5 foolproof steps for finding the right plan

This step-by-step guide will help you make a smart decision when buying pet insurance for your dog or cat.

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1. Pick the reimbursement type that works for you.

All pet insurance plans use either a percentage of invoice or a benefit schedule to calculate reimbursement.

Percentage of invoice

Reimbursement is based on the treatment cost. You get back a percentage of what you paid your vet.

Benefit schedule

Reimbursement is capped at a set amount for each condition, regardless of the actual treatment cost.

2. Research the factors affecting your coverage.

Be sure you understand what is and isn't covered—as well as when and why those things might change.

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3. Look at prices and value.

Weigh what you’re paying against what you’re getting. There’s no point in buying a plan just because it’s cheap if it doesn’t cover what you need.

4. Decide what kind of coverage you want for your pet.

Choose a complete care plan or go à la carte with medical or wellness coverage.

  • Exams, lab tests, X-rays
  • Prescriptions
  • Surgeries & hospitalization
  • Chronic conditions
  • Hereditary conditions (no waiting period)
  • And more
  • Exams, lab tests, X-rays
  • Prescriptions
  • Surgeries & hospitalization
  • Chronic conditions
  • Some hereditary conditions (waiting period applies)
  • Wellness exams & tests
  • Flea/heartworm prevention
  • Vaccinations

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5. Look at the company’s track record for dependability.

A lot of pet insurers have come and gone. The key to picking one you can count on is to go with the company that has the most stability, experience and recommendations.