Pet insurance: tips for choosing the right one

Most pet insurance companies generally handle specimens that are between three months and eight years old and that are microchipped. Today, we are going to give you some advice on how to choose a pet insurance policy.

Like any owner, we must be responsible when it comes to the safety of our pets.  And if we protect our personal possessions, like our car and our house, why not protect our faithful companions as well?

How does pet insurance work?

Pet insurance works similarly to health insurance. Its purpose is to protect owners and pets in the event of any eventuality, such as illness or accidents. These insurances are designed for any type of domestic animal but are almost always restricted to dogs and cats.

Companies that work with pet insurance have a wide range of services available.

The customer must choose the option that best meets the needs of their animal . So, you must analyze the costs, benefits and limitations of each coverage to choose the right policy.

To calculate the value of pet insurance, insurers require a series of information. Among them are: species, breed, certificate of age and proof of health signed by a veterinarian.

smiling pit bull

In addition, most pet insurance companies handle specimens that are between three months and eight years old and that are microchipped.

Choosing an insurance policy for your pet: coverage and services

It must be emphasized that the services included in each coverage vary by an insurance company.  However, according to the consultants and experts on this topic, good basic coverage should include:

  • Civil liability in case of damage to third parties.
  • Lost or stolen pet: some companies include a pet search service in case of loss.
  • Death by accident.
  • Sacrifice in case of terminal illness or accident with serious damage.
  • 24-hour telephone assistance.

Quality comprehensive coverage should cover the basic services just mentioned, with the following additional items:

  • Complete veterinary assistance  .  This point should include preventive medicine: consultations, vaccinations, laboratory analyzes and diagnostic tests, surgical interventions, hospitalization and home care.
  • Most companies work similarly to a medical plan.  They have collaborating professionals, clinics and hospitals. Some of them also offer reimbursement for consultations and treatments carried out with professionals who do not participate in the insurance.
  • Hospitalization and assisted rest  in case of surgery or illness.
  • Assistance with burial expenses. Many companies fully cover the costs of  cremating the animal’s remains.

Economically, is it advisable to take out pet insurance?

There is no single answer to this question. Each owner must do their math on how much they invest monthly or annually in their pet’s health.

Dog next to piggy with money

The investment in pet insurance will depend on the coverage chosen.  As owners often opt for full coverage, we recommend factoring this amount into your bills.

It is worth it? This depends on the result of the calculations and the budget of each one. The great advantage of insurance with full coverage is that it avoids unforeseen expenses. In addition, they provide security for the owner and the dog against third-party civil liability.

5 tips for choosing an insurance policy for your pet

If we unconsciously choose to insure our pet, we may be helpless in the face of needing to use the services. With the following tips, it is possible to choose a policy simply and effectively:

  • Compare the coverages and services offered by each insurer. The services are not always the same, so it is necessary to analyze carefully.
  • Ensure that you will have support in case of civil liability for damages to third parties and in case of accidents.
  • Fulfill the requirements to contract and keep the policy active:  accepted age group, identification with a microchip, up-to-date vaccination and deworming, and proof of pedigree.
  • Check the scope of coverage chosen:  is it valid only in the country where you live? Can it be extended to other countries? Is it possible to have insurance in case of travel on another continent?
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