You want the most comprehensive coverage with the lowest possible premiums and deductibles. Sound impossible? It’s not—but you’ll have to do your homework to find the best insurance plan for your pet.

These five tips will help you make the call:

1. Learn whether your breed is predisposed to certain illnesses. A lot of pet insurers won’t cover these conditions, but that’s the coverage you’ll need most.  When you speak with the different pet insurance companies, ask if they cover breed-specific, hereditary, or pre-existing conditions. Find out what percentage they’ll cover, and whether both treatments and prescriptions are included.

2. Read reviews online for the pet insurance companies you’re considering. There are a lot of articles weighing the pros and cons of pet insurance, but it can be most helpful to read real scenarios from pet owners. Learn if the company pays out in a timely manner, or if they frequently deny parts of claims.

3. Look at the underwriter behind the policy you’re considering and look at their Best Rating. This shows you the company is able to pay out future claims.

4.Find out whether there are caps per incident, year, or ailment. If you don’t ask this in advance, you may find yourself with insufficient coverage.

5. Ask if you have limitations regarding which vet you can see. Some pet insurance companies let you choose any veterinarian in the country, but they don’t all work the same way.

When comparing companies and plans, make sure to read all the fine print and ask lots of questions. It’s better to take your time than make a hasty decision—especially if you buy a lifetime policy!

Tags: Best Pet Insurance