Pet Insurance Reviews can be found easily by conducting a standard internet search. Just type in the following phrase in the search engine and hit enter: “pet insurance reviews”. In the result, you will find hundreds of links to sites which will compare various insurance companies and give their dog insurance rating. The Pet Insurance Reviews is normally in favor of the major insurance companies, but these ratings can also be influenced by the number of advertisers on the site.
One thing you may want to look at when reading pet insurance reviews is the deductible and reimbursement percentage. Most of these comparisons do not include information about deductible or reimbursement percentage because they are meant to rank the insurance companies according to service and price. A higher deductible and/or larger reimbursement percentage means that the pet insurance company will have less coverage in the event of a veterinarian emergency. However, the consumer should keep in mind that this service may increase the monthly premium, which may not be worth it depending on the financial situation of the pet owner.
One item which can greatly affect the insurance companies rating is the medical costs coverage provided. Each company should be able to provide a full list of covered services. Some of the bigger companies may not offer any coverage for emergency vet visits, x-rays, prescriptions, prescription drugs, routine care, or preventative services like vaccinations. When comparing different companies, keep in mind that there are different service plans. These plans will also vary in cost. Just because one company offers a lot of options does not mean that all of the options will be offered by all of the companies.
Another item to consider when reading a review is the benefit caps. Each pet insurance company should be able to state the maximum benefits they offer. The benefit caps are the maximum amount that the insured pet will receive in the event of a veterinarian medical emergency. Some companies may cap the number of annual treatments at five, while other companies may limit the number of treatments to one.
An important feature to review is the pre-existing conditions coverage. The insurance companies have different treatment plans for animals with various types of pre-existing conditions. Some pet insurance companies will cover animals with certain pre-existing conditions up to a certain point, after which the waiting period begins. Other companies will not cover pre-existing conditions whatsoever.
A last few items to consider are the coverage provided for spaying and neutering, and the waiting period for these services. While some animal insurance companies may not cover spaying or neutering, others will cover the treatments up until the end of the current policy. Some companies will also allow the pet owner to choose their own waiting period. The waiting period can be as short as a few days or up to a year. Most of the major providers of pet health coverages offer a choice of coverage for spaying and neutering.