Pet health insurance provides coverage to help defray the cost of veterinary medical care. We like to think that our young pet will never get into trouble, become ill or get older. This is the time to think about purchasing insurance when they are well and fit. There are more companies that provide pet insurance and each will have different plans that will cater to your pet's needs.
Before purchasing pet insurance:
1) Requires a veterinarian/client/patient relationship.
2) Allows pet owners to choose their own veterinarian, including specialists and emergency/critical care facilities the pet may need.
3) Never interferes with the veterinarian's fee structures.
4) Is offered only where the policies are approved by the state insurance regulatory agency.
5) Is consistent with the Principles of Veterinary Medical 6)Ethics and the pet health insurance industry ethical standards.
7) Uses a licensed veterinarian to assist in claims adjudication.
8) Is clear about their policy limits, pricing structure, and optional coverage (for example, wellness coverage for annual visits) that might be available to the policy holder.
9) Is transparent about how the terms and conditions of their plans will impact coverage and cost, including the financial obligations of the policy holder such as co-pays, deductibles, and exclusions.
10) Communicates about the fee reimbursement process clearly (how reimbursement is determined and how quickly reimbursements are provided to the policy holder).