Finding low cost pet insurance is not very difficult if you just know where to look and what to ask about. In most instances you can find insurance coverage for dogs starting under $10 and insurance coverage for cats starting under $8.
Of course, these coverages represent plans covering only the basic accident protection, but maybe that is all that you are looking for. As is the nature with any insurance, the more you are willing to pay, the more coverage you may obtain. But should you need low cost pet insurance for your pet, you should find the following tips helpful.
Due to the competitiveness of the insurance industry, companies offer discounts for various situations to earn your business, so you should always be informed of what discounts are available. For example, members of certain professional organizations, pets that have taken training courses and pets that have a microchip implant probably will qualify for a discount. So, don’t forget to inquire about discounts!
One certain way to receive a lower insurance premium amount is to inquire about a higher deductible. Most of the plans begin with a $100 deductible, but if you increase that amount, perhaps to $500, you will save more on the premium.
Obtain Three Quotes
It is always recommended to obtain a minimum of three quotes from different companies to ensure that you are finding the best low cost pet insurance. These quotes should be for similar plans so that they are more easily, and realistically, compared.
When you contact an insurance company for a quote, most will attempt to lead you into a more expensive policy. To keep from having to deal with this, make certain to be clear on the sort of coverage you want and the amount that you wish to pay, or it will be simple for them to sell you a more costly plan.
Do not search only for the least expensive pet insurance plan, but look also for the one offering the best value. Of course it is a good plan to save money, but you also want to receive a good value for that money. So, should you identify a better plan for a small amount more, it may be the better way to go.
Ask Your Veterinarian
A good resource to use in your search for a low cost pet insurance policy is your veterinarian. It is probable that they have had much experience in dealing with these companies and will be able to provide valuable information regarding which company to do business with.
Actually Call Them
Nowadays you can purchase anything via the internet, including pet insurance. You need to call them in order to gauge the responsiveness of their customer service department. After all, what good does it do to pay in all that money if you cannot receive any claims paid out?
So, make use of these seven tips on finding low cost pet insurance. But do not forget that the lowest price does not necessarily indicate that it is the best value for your situation. And obtain three quotes at minimum prior to deciding on any particular company. Saving even just a few dollars a month will certainly add up substantially over time as you are paying premiums for your pet.