How to Compare Cat Insurance
All feline pet owners want to know how to choose the best policy and how to save the most money. The answer is simple – by comparing cat insurance. When you have more products to pick from, the chances of finding the ideal one are higher. More importantly, if you use an all-encompassing and productive method for comparison, you are bound to get the most perfect policy which meets all your requirements and falls within your budget. Use this seven-step method to get the best results.
Decide on the right type of cat insurance for you.
Things will be much easier for you when you know exactly what you want. Furthermore, when comparing cat insurance, it is crucial to compare likes with likes. Otherwise, you will get totally confused and the end result may not be as beneficial as you have expected.
Figure out which level of cover will be most suitable for you given your pet’s age and its overall health and given the vet fees in your city or town. While per-condition and time-limited plans are recommended for young and healthy pets, you should certainly consider the more comprehensive and versatile lifetime policies, if your pet is old and/or predisposed to serious and chronic injuries and illnesses. Check the vet fees in your area to get an idea of how much the treatment of a common condition such as gastrointestinal infection will cost. Then figure out if per-condition or time-limited insurance will be sufficient for paying for it.
Obtain insurance quotes.
This is the simplest of all tasks when it comes to comparing cat insurance. You simply need to fill out a quote request form online and you will obtain an offer instantly after submitting it. You can choose to obtain a quote over the phone or directly at an insurer’s office, but these methods are time consuming and costly. Using the internet will allow you to obtain a large number of offers easily and quickly at no cost. In general, it is best for you to obtain at least five offers from different insurers. To make sure that they will be accurate, you have to fill out the quote request form honestly and accurately.
Compare the amounts of vet fees cover.
Once you obtain quotes, your first task is to check how much cover is available with each policy. Check how much cover you will be entitled to and whether it will be sufficient for you. This will help you eliminate a number of offers automatically, when comparing cat insurance plans. Do not take a look at the prices yet. The idea is to evaluate the products based on their usefulness first.
Compare any additional cover benefits.
Check what you get along with the main vet fees cover. Most companies provide boarding fees, holiday cancellation, advertising and reward, theft / straying and death cover. Figure out how useful each of these will be to you when comparing cat insurance quotes. At this point, you can select the most suitable policies for you in terms of comprehensiveness.
The key to comparing cat insurance prices is to do it on the basis of what you will get for your money. Go over the policies which provide sufficient vet fees cover and the extra cover benefits which you require. Pick the one which offers the best value for your money. You can choose to do some calculations to make the comparison more precise. Try to calculate how much £1,000 of cover will cost you with each different product. Check how much you will pay for adding an advertising and reward cover benefit. This should give you a better idea of what you will obtain for your money.
Compare the level of comprehensiveness and flexibility.
It is a good idea to check for any limitations and exclusions when comparing cat insurance. This will help you figure out how comprehensive and versatile a policy really is. You do not have to go over the entire wording of each plan available. Just check the relevant sections. You can also go to the FAQ page on the insurer’s website to get the information you need. Watch out for seemingly unimportant exclusions such as secondary dental conditions occurring due to another illness.
Compare saving options.
You should certainly consider the ways in which you can save when comparing cat insurance as they may allow you to get a more comprehensive and flexible policy for less. The discounts are the most popular saving options as they are the easiest to use. Check how much you can save with them in total. Keep their limitations in mind as well. The discounts usually apply only during the first year of the policy. Check if the different companies allow you to lower the premium by raising the excess. This is another method for saving which tends to work quite well.
The insurer which you buy a policy from has to have a high rating. This guarantees that they are financially capable of paying claims to customers. Make sure that the company offers quick and objective claim processing. They should have a good customer service providing support whenever you need it.
Comparing cat insurance is easy and effective if you know how to do it right.
I hope that this guild helps you to compare the best cat insurance and I hope it saves you some money:-) We write about all sorts of issues to do with cat’s dog’s horses and rabbits. The more knowledge we can provide to you about your pet/s the healthier your pet will be.