Trying to find low cost pet insurance is not too difficult if you know where to look and what to ask for. In most cases you can find insurance for dogs starting under $ 10 and plans for cats starting under $ 8.
Obviously these would be entry level plans that just cover basic accident protection but that that is all you want. Obviously, the more money you are willing to pay, the more coverage you can get. But if you are set on finding low cost pet insurance for your pet, here are some tips to help you.
Always ask for discounts; Since the insurance industry is a competitive one, they offer discounts for many different things to earn your business. For example, if you are a member of certain professional organizations, if your pet has taken training courses, or if they are microchipped, you will likely qualify for a discount. So always ask for discounts!
One way to get a lower insurance premium is to ask for a higher deductible. Most plans start off at a $ 100 deductible, but if you are willing to go up to a $ 500 deductible you can save even more.
Get 3 Quotes
It is always a good idea to get at least three quotes from different companies to make sure you are getting the best low cost pet insurance. Try to get quotes on three comparable plans so they are easier to compare.
When you call to get a quote most companies will try to upsell you to a more expensive policy. To prevent this from happening to you, make sure it is clear what kind of coverage you want and how much you are willing to pay, otherwise it is easy for them to get you to agree to a more expensive plan.
Do not just look for the cheapest pet insurance plan, but also which one offers the best value. While it is a good idea to save money, you also need to get good value for that money. So if you find a better plan for a little bit more money that might be a better idea.
Ask Your Veterinarian
It is always a good idea to consult your veterinarian before buying a low cost pet insurance policy. They will likely have had a lot of experience dealing with these companies and can give you many points when it comes to which company to buy a policy from.
Actually Call Them
These days you can buy anything online, including pet insurance. But you should call them and find out if they have a responsive customer service department. What good is it paying all that money if you can not get any claims paid out?
So use these seven tips to help you find low cost pet insurance. But remember the lowest price might not necessarily mean that it is the best value for you. So try and get at least three quotes before making up your decision. Saving evening at a few dollars a month can really add up over the years of paying premiums for your pet.