A good option is to discuss pet insurance with your veterinarian and make sure you do some of your own research. Here are some things to consider:


         Make sure the insurance company clearly spells out the details, including limitations and exclusions, of the coverage plan.

         See if there are any add-on options (for example dental care).

         Find out how they handle pre-existing conditions.

         Some insurance carriers will not cover a specific pet or breed of pet.

         Check if they offer discounts for multiple pets.

         Most insurance plans are reimbursement plans which means you pay up front and get reimbursed by the insurance provider.

         Find out how claims are submitted. Is it something you do? Does your vet have to do it?