3 ways to optimize your pet insurance

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Pet insurance has many benefits for both owners and their beloved pets.

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With many financial products and services, it pays to do your research. This is especially true when it comes to insurance. By practicing a certain type of insurance, you can improve your chances of getting a lower rate. You can also create a comprehensive policy.

While most adults are familiar with health insurance and how it works, the information surrounding it is other types of insurance it may not be strong. This is especially true pet insurance, which traditionally includes medical care for cats and dogs. Although not as well known as other insurances, pet insurance is many benefits for both owners and their beloved pets. Therefore, it helps to understand the nuances of this unique protection to get the most out of it.

If you’re considering pet insurance, start by getting a free quote so you know exactly what to expect.

3 ways to improve your pet insurance

Whether you’re thinking about buying or adopting a pet — or already have one — here are three ways to improve your pet insurance plan.

Start early

Insurance companies favor the young – when the policyholder is healthy and claims are low. Pet insurance is no different. Getting pet insurance when your pet is young is undoubtedly the best way to improve your policy.

By starting at a young age owners can ensure a low level. If they wait until the pet is older and more vulnerable to insure that they can expect that risk to be reflected in their premiums. But a small cat or dog is usually a healthy cat or dog. Therefore, you won’t have to break the bank to get pet insurance (typically $30 to $70 per month for dogs and $15 to $40 per month for cats).

Another benefit of starting when your pet is young and healthy? You can avoid it pre-existing conditions. Pet insurance providers can discriminate against pets with pre-existing conditions and exclude those problems from coverage. But if you act soon, before any worrisome health issues arise, you can get your pet into a vet for comprehensive (and affordable) care.

So start shopping for a pet insurance plan now, before the rates go up. You can get a free quote on Lemonade pet insurance here now.

Talk to your vet

Your vet is not just someone you should talk to if you need care or to fill a prescription. Due to their knowledge and expertise in this field, your veterinarian can also help you create a special pet insurance plan to your furry friend.

Your veterinarian knows your pet and its medical history. You are probably familiar with each other give birth, the breed’s medical history and any diseases or health problems they may be prone to. By asking your vet for pet insurance guidance you can better tailor your policy to what your pet needs and what it doesn’t. This way you don’t end up paying for cover you won’t use.

For example, a German shepherd is more likely to need a medical procedure for hip dysplasia than many other breeds. English bulldogs and similar dog breeds often suffer from Brachycephalic Airway Obstruction Syndrome (BAOS).

Your vet already knows this. So contact them when getting pet insurance.

Shop around to find suppliers

Have you ever shopped online for a product only to find it cheaper on another website?

You should use the same approach when buying pet insurance. You can simply accept the original policy and the provider you get the quote from. Do your research, comparison shop and see where you can get the best and most comprehensive care at the lowest price. You might be surprised at what you find in the end.

However, when shopping for policies, just make sure you do an apples-to-apples comparison. For example, if you are looking for an accident-only policy for a 55-pound, 2-year-old dog, be sure to get quotes from other providers for the same type of policy for the same size and age dog. Otherwise, you won’t be able to complete an accurate side-by-side comparison.

You can start with a quote from Spot pet insurance here or use the table below to review the top providers.

An important point

Pet insurance is a unique and financially savvy way to protect your pet and your bank account. By purchasing a plan early, using your vet for guidance and shopping around for providers, you can improve your chances of getting an affordable but comprehensive policy.

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