New Jersey’s Best Pet Insurance – Comparing quotes from many insurers is the easiest approach to discover a decent deal on pet insurance. Obtaining free quotations is possible by using a comparison website.
Visits to several pet insurance provider websites
Getting in touch with a free agent through the phone, email, or in person
It’s a good idea to look at the additional features or advantages offered by the pet plan in addition to comparing costs and coverage specifics. Here are some more advantages to think about.
When you make a trip to the vet, you usually have to pay a consultation or exam fee for the vet to evaluate your pet’s health. Unfortunately, not all pet insurance companies cover this cost. If that’s important to you, look for companies that include exam fee coverage.
Some pet insurance companies, like Pets Best and TrustedPals, offer wellness care as an add-on to your accident and illness coverage. If preventive care coverage is something that you want, find an insurer that gives you the option to add this coverage.
A waiting period is an amount of time you must wait between the policy purchase date and when the benefits begin. Some waiting periods are a couple of days, while others can last a couple of weeks. The amount of time varies by insurance company.
Some insurance companies apply an extended waiting period for certain conditions, like hip dysplasia. Condition-specific waiting periods vary by insurer but are usually between six and 12 months.
Access to vet helplines
Some plans come with access to vet helplines that are available 24/7. Vet helplines can help you decide how to manage a pet medical concern, like limping or diarrhea.
If you want to insure more than one pet, you may be eligible for a discount. Some pet insurance companies offer reduced rates when you insure multiple pets. Pet insurers may also offer other ways to save, such as military discounts or employer discounts.
Vet direct pay
Pet insurance policyholders typically pay the total vet bill and then file a claim with their insurer to get reimbursed. Some companies like Trupanion pay the vet directly through its unique claim processing software. This is a good solution if you don’t want to front the entire vet bill, but check with your vet to make sure they’re set up to take payment from a specific insurer.
Pet insurance companies sometimes offer extra perks. For example, Figo offers a pet cloud app that helps you organize your pet’s medical records and appointment schedules. Another example is Nationwide, which offers special pet medication pricing through its partnership with Walmart pharmacies.