You can view the offers for Compare pet insurance and can define the most important features of the insurance packages for you.
The following tips will also help you to find the right animal insurance:
1. Choose between animal insurance and accident insurance
Animal insurance can be very comprehensive and includes damage to the animal in the event of an accident or illness. However, if the dog or cat is too old at the time of the takeover, you may no longer be able to insure the animal. In this case or if a lower scope of benefits is sufficient, accident insurance for animals can be useful. It only applies if the animal is damaged by an accident.
2. Check performance
A lot is promised by the insurer and full-bodied concessions are made. On closer inspection, however, these turn out to be less good and there are numerous exclusions in the small print. Take a close look and check which services are really offered and which only appear for advertising purposes only.
3. Check deductible
If you are required to pay a high deductible, which you then have to pay for each damage event, the insurance policy in many cases leaves only a very small portion of the costs to be borne. This is not worth it because you would have to add your premiums to it. If you end up paying as much for insurance as paying all the vet's bills yourself, you don't need them.
4. Check the transfer of treatments
Take a close look at which treatments are taken over and which conditions are linked to the benefits. Some insurers only benefit if you and your pet go to a specialist who is recognized by the insurance company. You then have no free choice of veterinarian, which also applies in an emergency. Also pay attention to whether chronic diseases are taken over. If this is not the case, you should look for another provider.
5. Note right of termination
Some insurers assume damage as agreed, but then give the pet owner notice of termination. This is not expedient and presents you with additional problems when looking for a new insurer. Therefore, pay attention to the termination clauses! Some providers waive their right of termination in the event of damage after a certain contract term, which you should give preference to.
6. Don't just look at the cheapest premiums
Many providers advertise with cheap premiums, but then require a high deductible or offer only very limited services. Others exclude numerous risks, which are very common. This cheap insurance can become expensive in the course of a dog's or cat's life because the policyholder, i.e. the pet owner, still has to make high contributions of his own. So don't just look at the annual fee, but at the entire package.
7. Select the appropriate insurance sums
Some insurers offer fixed cover amounts, which are sometimes too low or too high for individual pet owners. Choose an insurance company with which you can determine a suitable coverage amount. There are no upper limits for some tariffs, which are particularly interesting for animals that are at high risk of illness or injury. But keep in mind that higher coverage amounts also mean higher premiums.
8. Pay attention to the information on the services
The insurance policies differ in another important point, which also refers to the coverage amounts: depending on the contract and general insurance conditions, the maximum coverage amount is paid out per year or per event. This means that the insurance company would not pay for a second insured event per year if the maximum coverage was already achieved for the first insured event. However, if it works for every damage event, you are on the safe side.
9. Pay attention to reputation
It can be worth asking about experiences with various animal insurers on the Internet or with friends. Some insurers appear to be more involved in lawsuits than others. It can be concluded here that they do not necessarily like to perform, to put it mildly. Others are showered with good ratings. A closer look and a comprehensive insurance comparison are particularly worthwhile.
10. Pay attention to waiting periods
The waiting periods of the individual insurers vary. While some only require a waiting period of one month, others set the deadline longer and let their insured parties wait three months before the first possible use of the benefits. In some cases, comprehensive evidence must be provided that an illness did not exist at the start of the insurance if the insurer received a claim shortly after the contract was concluded. Current assessments by other policyholders are also helpful in this regard.
