QUESTIONS TO ASK ABOUT THE PROVIDER
- How does this provider handle renewals? (Example: If my pet is diagnosed with hip dysplasia one year, is that problem considered a chronic or pre-existing condition when the policy comes up for renewal?)
- Are there any complaints about this provider on record at the Better Business Bureau?
- Does this provider have good ratings at independent websites that review and/or publish customer ratings of pet health insurance companies?
- Are this provider and the person selling the insurance licensed in my state?
- Does this provider offer high deductible policies?
- Does this provider offer a money-back, trial period for new subscribers?
- Does this provider exclude coverage for pets the same species, breed, and age as mine?
- Did this provider respond quickly and thoroughly when I requested more information?
- Will this provider allow me to change or revise my pet’s policy before the renewal date without charge?
- Does this provider offer multiple pet discounts?
- Did my veterinarian recommend this provider?
- Will this provider reimburse services provided by my veterinarian, or am I required to use a veterinarian in this provider’s network?
- Is the information I received from the provider consistent with I read on the company’s website and in its brochures?
- Will this provider accept my pet for coverage if a different company provided health insurance for my pet in the past?
- Am I comfortable with this provider’s complaint process?
- Does this provider have an appeals process I can use if my claim is denied?
QUESTIONS TO ASK ABOUT THE POLICY
- Do I understand exactly what the policy covers?
- Can I afford the monthly premium, deductible and required co-pay?
- How much coverage does this policy provide for chronic, hereditary or pre-existing conditions?
- Does this policy cover preventive care, and does that coverage justify a higher premium?
- Are there certain types of accidents or health problems that aren’t covered?
- How are claims submitted? How long do I have to submit a claim? Will my costs change based on the number of claims I submit?
- How long does it take, on average, to be reimbursed?
- Does this policy use a list of “usual and customary fees” to determine how much I will be reimbursed? Is that up to date? Are the fees consistent with what my veterinarian expects to charge?
- Is there a penalty if I cancel my policy?