Here are some things to look for when you’re comparing options for the best pet insurance in Texas.
Waiting periods for coverage
After you buy a pet insurance policy, you usually have to wait a certain amount of time before your plan will reimburse you for vet bills. Although every insurance company has waiting periods, they vary across the industry. For example, companies like Figo have a one-day waiting period for accidents, while Healthy Paws has a 15-day accident waiting period.
Some companies also have extended waiting periods for issues like cruciate ligament conditions. If your pet is predisposed to these conditions, you may want to steer clear of plans with this type of extended waiting period.
Vet exam fees
Every time you visit the vet, you must pay a fee for the vet to examine your pet. Unfortunately, some pet insurance plans don’t cover exam fees for visits for injuries and illnesses, which means you’re on the hook for this cost, which can be $100 or more.
Range of benefits
Take a look at the other benefits that pet insurers offer, such as whether the pet insurance plan offers a 24/7 vet telehealth line. Helplines that can assist you with your questions no matter the time of day.
Pet insurance discounts
Pet insurance discounts can include military discounts, annual payment discounts and multi-pet discounts for insuring several pets.
Direct vet pay
Some pet insurance companies can pay the vet directly, so you don’t have to pay up-front at the vet’s office. For example, Trupanion pays vets directly if your vet has their claims software installed.
Routine care coverage
If preventive care is a top priority for you, find a pet insurer that lets you add a wellness plan. These plans offset the cost of annual visits, vaccinations and other preventative treatment.
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