We must be honest about everything if we are to be happy with certain products or services. In this case, we have to be honest about insurance for dogs. Pet insurance companies are in business to make money, so they must protect themselves from losing exorbitant sums of money on many policies. When it comes to pet insurance, overlooking the important points may cause you great frustration and disappointment if you should make a claim. Insurers are not knights in shining armor that will come to your rescue no matter what. They have the top lawyers drawing up contracts and policies to protect themselves and their investment, while providing their coverage. As such there are some things you should know about pet insurance plans insurers hope you don’t.
What Don’t Pet Insurance Plans Cover
Continuing on the track of being honest, know that pet insurance is far from perfect. There exist those that try to avoid reimbursing clients, but that can only happen to uninformed clients.
Right off the bat, know that dogs with pre-existing conditions won’t be covered for their previously diagnosed diseases. Moreover, many insurers won’t cover dog breeds for their breed-specific conditions, such as German Shepherds are notorious for hip dysplasia, but some just might.
As a consumer, the ball is in your court to know the policy inside-out. Take the time to educate yourself. Use all your resources: online, insight from friends and family, veterinarians, and asking the insurer all the right questions. With a little time and effort, you can save yourself lots of money and frustration down the line. As you collect your information, jot it down or save it on an electronic device. Then you’ll be ready to use it when you communicate with an insurance agent. Like this, you’ll be prepared whatever you decide. But, the more informed you are, the more you’ll likely come to see that pet insurance plans might be the answer for you when you understand the coverage, the premiums, deductibles, and so forth.