Florida Insurance Blog

Important questions to ask before purchasing pet insurance.

The agents at Morgan Insurance Services know how much residents in the Tampa, FL area love their furry friends. Pet insurance is one way to help keep pets healthy and keep pet owners from having to pay large medical bills. Knowing which policy is best for you and your pet can be confusing. Below are the important questions to ask before purchasing pet insurance. 

Can I keep my current pet care provider? 

If you love your current veterinarian practice, it is critical to find out if the plan will cover your vet. In addition to checking with the insurance carrier, you will want to check with your vet to confirm they will accept the insurance. 

What is the deductible?
Most insurance companies will offer various deductible amounts. You will want to review the different options available and decide which level of deductible makes the best sense for you. 

Are there exclusions?

All insurance policies have certain incidents that the policy will not cover and it is extremely important to know what is excluded under your policy. For example, if your pet has a preexisting condition, it will probably not be covered. There are also various add-on coverages that you can purchase. 

Is there a waiting period before coverage will start?

Many policies will have a 30 day waiting period prior to the coverage taking effect. Each carrier can vary on how long the waiting period will be. 

Does it cover routine care?

Many policies do not cover routine care. If routine care is an important feature to you, make sure you are purchasing a comprehensive plan with this coverage. 

Is there an age limit?

Many companies will not offer insurance to aging pets. It is important to purchase the coverage when the pet is younger so that you will be offered renewals as the pet ages. 

If you live in the Tampa, FL area and would like to learn more about pet insurance plans, reach out to an agent at Morgan Insurance Services today.