There are several factors to consider when choosing a pet insurance plan. One of these factors is the annual deductible. The deductible is the amount of money you must pay before your insurance provider will pay for your pet’s medical expenses. If you get sick and have to pay more than that, you may need to pay out-of-pocket for your pet’s medical expenses. The deductible is generally $250, but you can increase it to $4,750 if you are able to afford it.
Another factor to consider is the cost of the policy. Many pet insurance plans have lower monthly premiums, but they also carry higher deductibles. You will have to pay these higher deductibles before your pet receives coverage. Make sure you’re comfortable with these limits before choosing a plan. While some insurers offer unlimited coverage, this may cost you more money in the long run. Also, some plans cover deductibles for pre-existing conditions and don’t cover illnesses common to certain breeds of dogs.
A good accident and illness pet insurance plan covers most of your pet’s medical costs, including x-rays, medications, and surgery. Unfortunately, these plans generally have an age limit, so they are best for older, mostly healthy pets. Accident-only plans cost more but can be a great option for people who don’t want to spend money each month on coverage. But don’t forget to look for an insurance company that is willing to provide excellent customer service and competitive prices.
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