There are a few points to watch out for so that you can find the right pet insurance for your four-legged friend:
Choose a suitable product
The animal insurers offer different benefits and exclusions. Stupid when the performance that is most important to you is excluded! Therefore, take a close look at the general insurance regulations and choose the basic and additional benefits that optimally protect your four-legged friend. But you can do without the inclusion of numerous little things that ultimately drive up the bonuses. Vaccinations and worm cures do not necessarily have to be insured!
Set the deductible appropriately
The deductible can be set at different levels and you can choose between deductibles to be paid once a year and deductibles that are payable for each insured event. The fact is: the higher the deductible, the lower the premiums. However, do not set the deductible too high, otherwise the insurance portion will remain very small and you will still bear a large part of the costs yourself.
Use discounts
Many perks are offered when you sign up for the Take out pet insurance online. Direct insurers score points on the Internet with good services and low premiums! You can also save if you insure several animals. Often the premiums drop from the second insured pet onwards.
You can also save with the type of payment, because an annual or semi-annual payment is rewarded with discounts.
Report damage cases directly
If an insured event occurs, you should immediately report to the animal insurance company. Subsequent claims often cause problems, which in the worst case can result in reduced benefits. In the following, the insurance company can request various information and needs various documents about the course of the damage or reports from the veterinarian for the further processing of the claim. A tip: If your deductible is higher than the expected bill from the veterinarian or from the clinic, it is advisable to pay the damage yourself. Otherwise you can lose discounts from some insurers if you report damage too often.
Pay on time
Always pay the premiums on time! Otherwise you risk overdue fees and gaps in insurance coverage. Because: There is no insurance cover between the actual payment date and the actual receipt of your payment by the insurer. If a claim arises, you must pay for it yourself. If you do not respond to reminders, the insurer can cancel your contract.
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