We often hear from pet owners who are considering switching to Pets Best Insurance from another pet insurance provider. We?re always happy to welcome new dogs and cats into our family, and want to share the top 5 things to keep in mind when choosing a new pet insurance provider.
1. Check Out Their Customer Service
Take a few minutes to check out the provider?s website and do a little investigation. Do they answer the phone quickly? Is it easy to find contact information, and do they offer a live chat option? As a customer, will you be able to manage your account online?
They way you?re treated as a prospective customer speaks volumes about how you may be treated after the sale. Be sure you like the experience they offer, because unlike buying a product, an insurance purchase is basically a promise you?ll have help when you need it.
2. Watch Out for Benefit Schedules
Veterinary fees can vary widely due to your pet?s size and age, not to mention complications, severity, where you live and how your pet responds to treatments. In other words, when it comes to pet care, one size does not fit all. You want a predictable and reliable method of payment for your claims ? ideally a flat percentage of your actual vet bill ? and not a benefit schedule, which will usually be lower than your actual cost. Whether you choose 70%, 80%, 90% or even 100% reimbursement, be sure that the plan you choose pays that amount of your actual bill. Otherwise, it?ll reduce your pet?s charges down to match a fixed schedule of fees before sending your reimbursement.
3. Consider Your Pet?s Health History
If your pet has a serious or chronic condition before enrollment or when switching to another pet insurer, remember, pre-existing conditions typically will not be covered. Most plans will allow for ?curable? pre- existing conditions to become eligible for coverage in the future, like a broken leg, for example. However, some plans have extensive waiting periods. If your pet has a chronic or existing condition, be sure to inquire about future coverage before enrolling.
One minor or inexpensive medical condition for your pet shouldn?t discourage you from enrolling or switching to a better pet insurance plan, because thousands of other medical conditions would still be covered.
4. Look for Fast Claim Payment
Choose a company that has a reputation for paying claims fairly and quickly. Your veterinarian or a friend who has pet insurance can be a good source. If you?re checking reviews sites, remember the old adage: If it seems too good to be true, it probably is! Make sure the reviews sound honest and balanced and appear to have been written by real customers.
Pets Best Insurance processes most claims within 5 business days, and current turnaround time is just 18 hours. You can mail, fax or email your claim, and we offer free direct deposit reimbursement.
5. Don?t Fall for Perks You Don?t Need
If a pet insurance plan is too robust with benefits you?re not likely to need, you may be paying too much for coverage. And if the plan is too expensive, you may be tempted to drop it after awhile. (According to Murphy?s Law, your pet is likely to face a problem soon after you drop coverage.)
Be realistic about whether you really need the benefits you?re being sold ? no pet owner needs a $1 million limit, for example. Ask your veterinarian or work with a knowledgeable sales representative if you need help figuring out just how much coverage you need, and which plan will be the best fit. If you?re using an insurance agent, choose one on salary instead of commission. The latter may be inclined to sell you more coverage than you need.
Tags: pet insurance plans, switching companiesSource: http://www.petsbest.com/blog/switching-pet-insurance-tips/
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