6 Questions Before You Buy Dog Medical Insurance

It may come to some people's surprise, but dog medical insurance is an absolute necessity. Dogs, just like humans, run the risk of getting injured or sick at any time. And when this happens, you had better be prepared with insurance or you will be handing over an arm and a leg. Here are 6 questions to ask prior to buying dog medical insurance.

1. Deductibles and maximums It is important that you find out if the dog medical insurance you are looking at offers deductibles or maximums. This is vital because it can give you more options and opportunities to put together a plan that suits your budget best. If it does not offer these, then you will be stuck paying for an insurance plan that you may not even want.

2. Recurring conditions It is sad to say, but there are dogs that have recurring conditions that require constant medical attention. If your dog has a condition like this, it is essential that you find out if the insurance plan covers such a thing. This can save you thousands of dollars if the plan does cover chronic conditions.

3. Coverage you will never use Research can help you find what some plans offer that other do not. One thing that you will find with many dog medical insurance plans is that there is a bunch of coverage tagged on that you will never use most likely. If you are paying for lost and found or accidental death, then you are probably wasting your money. Find out what kinds of coverage is included in the price.

4. How long to pay claims? The quicker the company pays claims, the better off you are. Find out over the phone or in person how long it will take for the insurance to pay claims.

5. What genetic conditions are covered? This may sound rather odd, but some insurance plans actually cover genetic conditions for your dog. You will find that not many plans cover this, but there are some out there that do. Look at this as more of a bonus than an essential coverage on your plan.

6. Are there per-incident limits? Most dog medical insurance plans have a per-incident limit of money that you will get back. For example, if your dog has a procedure that costs $750 and your per-incident limit is only $500, you will only get back $500.

There are hundreds of questions you can and should ask prior to committing to a dog medical insurance plan. But these are a few of the essential questions that should be found either by internet, phone or in person.