When comparing pet insurance plans, a great way to do it is to go online and compare pet insurance. There are many sites that offer these comparisons, lining up the features and pricing of the various plans and companies offering them so that the consumer can see the differences and choose the plan that is right for them. When comparing pet insurance online, it is always wise to check more than one of the comparison sites since some might not have accurate information and may be skewed toward one type of pet health insurance, being sponsored by that company. It is also nice to have consumer feedback available on these online pet insurance comparisons sites since then the consumer can read what other people who have used the different plans have to say about the pros and cons.
Types of Plans
One aspect of comparing pet insurance online is comparing what types of accidents and illnesses are covered by the various plans. There are some plans that only cover accidents while others will include both accidents and illnesses. The comparisons of the pet insurance plans online will usually list out the common accidents and illnesses that are covered by the plans. Broken bones, burns, lacerations and insect bites are usually covered by the plans. Under illnesses, the best plans will cover not only the diagnostic exam and tests, but it will also cover the follow up visits, the medications and any other materials necessary to help the animal to recover from the illness.
Another aspect of comparing pet insurance online is the deductible and maximum benefit comparison. The deductible is what the pet owners will have to pay before the pet insurance will kick in. The best plans will either have no deductible or will have a fifty dollar deductible on them. The maximum benefit is the cap that the insurance company sets on the amount of money that it will pay out for a particular incident, and also what they will pay out per year for that animal. The maximum benefit per incident should be set at twenty-five hundred dollars or more to be beneficial to the pet owner. The maximum benefit per year should be around ten thousand dollars or more to be beneficial. One other aspect to look at in comparing pet health insurance online is the co-pay amount. Some plans will not have a co-pay, while others will set the co-pay at ten to twenty percent.