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How to Decide If You Should Get Pet Insurance

There are many factors to consider when deciding to get pet insurance. Be sure you're making the right decision before spending your money.


  • Step 1: Consider starting a pet care fund Consider starting a pet care fund as a less expensive alternative to insurance. The downside to a savings fund is discipline is needed to keep contributing to it each week or month, and not to dip into it for other expenses.
  • TIP: Determine a budget for the fund, and decide whether you want to save enough to cover unexpected major surgery or expensive treatment.
  • Step 2: Visit pet insurer websites Visit pet insurer websites to learn about coverage levels. Basic insurance levels cover accidents and illnesses.
  • TIP: Additional coverage levels can include expensive treatments and procedures like surgery, chemotherapy, and even kidney transplants.
  • Step 3: Ask your vet to recommend a plan Ask your vet to recommend an insurance plan, but keep in mind that vets aren't legally allowed to sell insurance. Now feel good that you're taking steps to keep your beloved pet with you for as long as possible.
  • Step 4: Contact insurers for free quotes Contact insurers for free quotes. Get specific info on premium rates. Plans consider where you live, as well as the age, species, and breed of your pet.
  • Step 5: Ask the right questions Ask the right questions. Are pre-existing conditions covered? Can you can stay with your current vet? Are there multiple pet group rates? Ask about reimbursement.
  • Step 6: Consider adding preventative care Consider adding preventative care coverage including annual exams, dental cleaning, and advanced vaccines for Lyme disease or feline leukemia.
  • FACT: The first pet insurance policy sold in the United States covered television star Lassie in 1982.

You Will Need

  • A bank savings account
  • Internet access
  • The right questions

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