Here is some food for thought:
- I know we all want as many extras as possible but don’t forget – if it’s ‘free’, you are already paying for it in increased premiums.
- It’s nice to get Vaccinations and flea protection covered, but these are planned expenses you can save for so don’t pay excessive premiums for things you can pay out of your pocked – like Vaccination costs.
- Now for the stuff you don’t need – you want to be covered for both: emergency and medical care. Because often times it is hard to tell the difference between the two and the insurance company can always dismiss your claim if it doesn’t fit their definition of ’emergency’ (and they have better lawyers then you do). So even if the premiums are cheaper – don take out a cover just for ’emergency’.
- Lets talk about ‘chronic’ and ‘hereditary‘ conditions – it’s simple, if the cover doesn’t include these – don’t get it! Who is to say what is ‘hereditary’? Do you want your insurance company to decide on that? And is a second ear infection ‘chronic’ or not? Do you want your insurance company to decide?
- Now about the ‘gap’ – that’s the amount you pay even if you claim. A ‘gap’ of 10% on a $4000 fee is $400. You will need to pay that on the spot even though your dog is ensured.
By the way, I am using $4000 as an example because that’s how much a typical bill at the Veterinary emergency centre might cost you after, say a car accident. An orthopaedic or spinal surgery could cost you a lot more – up to may be $10000.
You will find many pet insurance comparison tools on the net. The point is – don’t compare apples to oranges. A lower monthly payment doesn’t necessarily mean a better deal. Get your dog covered for the things you will urgently need – like emergency care, hospital medication. If you are not – you are getting a bad deal, even if the payments are smaller.