Checklist for Choosing a Pet Health Insurance Provider and Policy
By emiliem January 3, 2014 Uncategorized
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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?
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Contact Us
404 Main Street
Watertown, Massachusetts, 02472
Phone: 617-926-8888
Fax: 617-926-8845
Email: info@watertownanimalhospitalma.com
Hours of Operation
Tuesday 8:00am – 5:00pm
Wednesday 8:00am – 5:00pm
Thursday 8:00am – 5:00pm
Friday 8:00am – 5:00pm
Saturday 8:00am – 12:00pm
Sunday & Monday – Closed
Emergency Process
PLEASE CALL BEFORE GOING
We refer our emergencies after hours, based on your location to:
Angell at 350 South Huntington Ave in Jamaica Plain at 617-522-7282
Blue Pearl at 180 Bear Hill Rd in Waltham at 781-684-8387
Blue Pearl at 56 Roland St in Charlestown at 617-284-9777
Boston West at 5 Strathmore Rd in Natick at 508-319-2117
Massachusetts Veterinary Referral Hospital at 20 Cabot Rd in Woburn at 781-932-5802
Veterinary Emergency Group at 165 Needham St in Newton at 617-729-4446
Veterinary Emergency Group at 312-316 Stuart St in Boston at 617-762-0001
Veterinary Emergency Group at 357-359 Fresh Pond Pkwy in Cambridge at 617-804-0103
WE REFER URGENT CARE TO:
Angell West Urgent Care at 293 2nd Ave in Waltham at 781-902-8400
PetMedic Urgent Care at 109 First St #101 in Cambridge at 617-209-6003
PetMedic Urgent Care at 112 Burlington Mall Rd in Burlington at 781-205-1097
PetMedic Urgent Care at 240 Andover St Unit G in Peabody at 978-806-2962
Veterinary Urgent Care-Station Landing at 25 Revere Beach Parkway Station Landing Plaza in Medford at
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