What to Know Before Buying Pet Insurance

Paying ahead to care for your pet

Keeping your pets healthy can be expensive. That’s one reason more people are turning to insurance, according the Jerrica Owen with the San Diego Humane Society.

"Pet insurance is definitely becoming more and more common," said Owen.

For pet owners, there are things to consider when shopping for insurance.

The cost of a pet's health insurance is going to vary based on the breed, age and gender of the animal.

"There are certain breeds that are predispositioned to various different genetic things that may happen," said Owen. 

In the case of dogs and cats, purebreds could cost more because of the risk of hereditary conditions.

And don't expect to have pre-existing conditions covered. Most pet insurance policies exclude them.

There are different levels of coverage - basic coverage is the least expensive option. These plans typically cover injuries, illness and poisoning.

Comprehensive care cost more but covers more, too.

In addition to the benefits of basic coverage, they typically cover office visits, prescriptions and x-rays.

There is also pet "well care." These plans cover preventative care, vaccinations as well as flea and heart worm prevention.

Some plans are geared more towards accidents and injuries, other plans may be geared toward wellness and vaccinations, spaying and neutering, dental and routine things.

Before you purchase, make sure to check for details about the deductibles, annual limits and reimbursement methods.

As with any type of insurance you need to read the policy closely before signing anything. 

Owen says having that insurance and having that coverage at a time you're not expecting it is going to be very beneficial.

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