Smart ways to buy pet insurance – CBS NewsSmart ways to buy pet insurance – CBS News

If you want to get the most benefit from your coverage, you’ll want in order to choose your own plan, provider and timing carefully. Getty Images/iStockphoto

If you own a dog or cat, buying pet insurance may be something to consider . Much like human health insurance coverage plans, these can help offset or even fully cover any unexpected medical bills, surgeries or treatments your pet may need. In some cases, they cover preventative care, too .

Just be aware: Not all pet insurance policy policies are equal. If you need to get the most take advantage of your coverage, you’ll want to choose your plan, provider and time carefully. Use this guide to learn more about buying dog insurance — and how to do it right .

If you’re considering pet insurance plan then start by getting a free price quote online now .

Smart ways to buy family pet insurance

1. Buy it when your pet is young

The younger your pet is, the less you’ll pay for insurance coverage. So insuring them while they’re still a pup or kitten? That could save you a good amount of money.  

Additionally , some pet insurers have age caps on their policies, so you may have trouble finding coverage once your dog turns 10 (or older).

Another perk to buying insurance young is that you can ensure any accidents are covered while your pet is still learning plus growing. If your puppy swallows something he’s not supposed to or your own cat escapes and is injured, having insurance would keep you from footing the large medical bill for treatment.

2 . Buy this when your pet will be healthy

Don’t wait until your own pet has many health conditions to get insurance coverage. Not only will this cost you a higher premium, but those problems (and the particular treatments for them) might not be covered.  

Many pet insurance providers refuse to protect pre-existing conditions , except in rare circumstances. In case you would like to make sure your pet’s future health conditions are usually covered, getting insurance now — before they develop any — is critical.

3. Buy it when you’re on a budget

It sounds counterintuitive, but purchasing insurance when you’re strapped for cash is probably the best time to do it. Just think: In case your pet was suddenly injured or even diagnosed with a serious illness, would a person have the funds in order to handle the large medical bill the treatment comes with? Would you have to put the charges on a costly, high-interest credit card? If so, paying $20 per month for insurance is probably the wise investment.

Start with a free price quote online right now so you know exactly what to expect.

4. Buy this after you’ve shopped companies

Every provider offers different plans, coverages and premiums, so shopping around is vital if you want to find the greatest deal. Try to get quotes from at least three different insurers, plus compare them each upon coverage and costs.  

You should also take into account any discounts the insurers provide. Some companies offer premium reductions if a person pay in full, are a military service member, really are a senior or you bundle your coverage with other types of policies. These can help you save quite a bit on your premiums.  

Use the table below to start comparing providers plus policies.

Consider your own savings

If you are not sure whether pet insurance is the particular right move for your furry friend, consider the state of your savings account. Could you have enough to cover an emergency or injury if your pet were hurt? If not, the small monthly insurance premium may be worth it for peace of mind.

Not sure if you can afford it? Get a free price quotation online today and find out.

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