Compare Pet Insurance For Two Dogs - Comparing pet insurance policies is about more than just price. There are several features, benefits, limitations and terms to consider to get the best value. Less is not always more. Just because a premium or extra option is cheaper doesn't mean you're getting a better deal. Here are some things you should always keep in mind while choosing a pet insurance policy:
Pet insurance prices vary depending on the coverage provided. Generally, the higher the price of pet insurance, the more it covers and the higher the limits. If you're looking for cheap pet insurance, you'll find that it has little coverage for accidents and illnesses that don't cover the main things your pet is at risk of. An interim payment usually seems cheaper, but it means you pay more again if something actually happens and you have to file a claim.
Compare Pet Insurance For Two Dogs
It's important to assess how your pet's breed, size and condition match up with the pet insurance policy you're looking at, to make sure your beloved pet is covered for risks associated with higher costs.
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Below is the average pet insurance price in Australia in 2019 and a price comparison of Vets Choice Pro and Elite insurance according to Canstar Pet Insurance Market Analysis.
Choosing the right level of pet insurance starts with making the right choices. We offer two types of pet insurance with the option to add dental coverage.
We also offer two dental add-ons with coverage levels called Dental and Dental Plus. Vets Choice Dental covers diseases such as dental lesions and cavities, feline resorptive lesions (FORLS) and gingivitis, while Dental Plus covers routine care such as dental checkups, tartar and polishes.
Each of these factors into the cost of your insurance policy and what your pet is covered for. Below you can see what all these mean and what to watch out for.
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Gap payments, also known as coinsurance or percentage coverage, are all the same. They may also be referred to as payout levels or repayment percentages. The insurer covers only a portion of the cost of the claim. This means if you have a $10,000 claim and the insurer has a 20% payout, they will only pay up to $8,000 of that claim. Gap payments are different from deductibles, so even if you choose a lower deductible, gap payments won't be eliminated. The only way to avoid them is to choose a policy with no gap payments.
Many insurers offer some form of discount. Usually first year discounts are only offered for puppies and kittens. Vets Choice offers a discount when you insure two or more pets with Vets Choice, with a discount for each pet insured and continuing to renew the policy for the next year.
Accident coverage usually covers any injury caused by an accidental event, such as broken bones. These may also include incidents such as tick paralysis and snakebite. Make sure you know what is and isn't covered, including any limitations that may apply. It is important to always look at liability coverage for policies with accident cover, as they go hand in hand.
There are many diseases that pets can get sick even if they stay indoors most of the time. Always pay attention to general coverage limitations and exclusions, such as cancer or cruciate ligament disease. This is one of the most common claims in Australia and while it is significantly limited, you won't have to pay out of pocket if this type of injury occurs.
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The amount you are insured for each year of your policy. This is important because some procedures can cost more than $10,000, and the annual limit covers multiple claims within a period, not the per-claim limit. For example, with an annual benefit limit of $15,000 and no interpayment, after paying the deductible, you will get back $15,000 if you have three eligible claims totaling $15,500 during your annual policy term.
Any injury or illness that occurred prior to taking out the policy or during the applicable eligibility period is generally considered a pre-existing condition. It is very rare to find a pet insurance company that not only covers your pet for a pre-existing condition, but also for a pre-existing condition. Here at Vets Choice, with your vet's approval, we will treat your pet with their pre-existing conditions and pre-existing condition if it meets our reasonable criteria (see more information).
The amount of loss or damage that you have to pay is deductible before taking out your insurance policy. This is essentially a contribution per claim. Most insurers offer a deductible option that allows you to lower your annual premium with a higher deductible or increase your annual premium with a lower deductible (which means less risk for you). Vets Choice offers a deductible option, you can request a quote here and see what difference your deductible option makes.
Like humans, dental work for animals can be expensive. Because pets use their mouths for more than just food, they are at greater risk for accidents and illnesses. According to Wet West Hospitals, more than 80% of dogs and 70% of cats over the age of three have some form of periodontal disease. Dental problems are common in animals over three years of age, and in puppies and kittens with fragile teeth. You can get dental accident and illness cover, as well as routine care.
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It is difficult to get coverage for pets above a certain age. If your pet is already insured with the Vets option and exceeds the age limit, we will continue to offer you coverage options each year you wish to renew.
Pet insurance is designed to cover things that happen to your pet, but many policies do not cover things that your pet does to others. Civil liability is similar to your third party car insurance, it covers you if your pet injures another animal, person or property.
These are diseases that are persistent conditions for a long period of time. Diabetes, for example, is a chronic disease that requires constant monitoring and medication. Usually only the test, but not the treatment, is reimbursed by insurance. Be sure to check coverage if your pet is at high risk of diabetes or other chronic diseases. Vets Choice Elite policy covers ongoing treatment for such ailments.
You can be rewarded for keeping your pet in good health. Your policy premium can be reduced by up to 5% if you keep your dog or cat healthy and you have no claims during your annual policy period.
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Most veterinarians use their own record-keeping system, and changing veterinarians risks losing critical information about a pet's history. Vets Choice allows you to send your pet to any qualified vet of your choice, so you stick with the vet who knows your pet best. Most insurers will not increase the risk they post on your pet over the age of nine. Insuring older pets with pre-existing conditions can be tricky, making it even more important to consider insuring your pet when it's young and healthy.
Ongoing care is important for the health of a dog or cat's teeth and gums. This significantly reduces the risk of related diseases that many pets are at risk of as they grow. Routine care coverage doesn't have to be much, but knowing you're covered makes it easier to make those scheduled appointments and keep your pet happy and healthy.
Basically, all insurance companies have age limits for younger and older pets. Usually it is a little younger than 8 weeks and older than 9 years. This is due to the increased risk of accidents and illness and generally the costs of insuring are very high. However, if your pet is insured before the age of 9 and continues, you can get lifetime coverage for the life of your pet.
Some insurers require filling out pages of documentation to file a claim, sometimes requiring printing and scanning, which is tedious. Vets Choice offers a simple online reporting form that requires some basic information and we'll check with your vet to make sure all the boxes are checked for you. If you need to call for any reason, our claims and customer service team are all in-house and based in Australia.
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If you have a dog and a cat, don't worry too much about different insurance products for each. Pet insurance policies are written for cats and dogs because, with the exception of certain conditions that each may contract (such as Feline Immunodeficiency Virus (FIV) for cats), they both have similar accident risks.
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