Coverage usually starts at eight weeks, but some plans won't cover pets over a certain age (usually between six and 10 years old, depending on the breed, type of animal and other factors).- CostPayment options for pet insurance include flat fees or deductibles and/or co-payments. Not surprisingly, plans with lower monthly premiums come with higher deductibles and/or larger co-payments. Some issues to consider:* Insurance premiums are affected by the age, health and breed of your pet, as well as the type of animal.* Some plans offers discounts for multiple pets.*
Plans generally require customers to pay the vet bill first and then submit receipts for reimbursement.* Find out if the insurance premiums will increase as your pet ages.* Depending on the plan you choose, the monthly premiums can range from less than $10 to about $40.Step three: Choose an Insurer You've determined what you can afford to spend and the amount of pet insurance coverage you want. Before selecting an insurer, here are some final considerations:*
Make a list of your questions and priorities in advance. Make sure to answer or check off each item when reviewing plan options. * Research the insurer thoroughly.
Review its website and sales materials, read its testimonials, talk to other pet owners and look for on-line reviews. How long has the company been in business? Are its customers satisfied? Make sure you feel comfortable about everything you hear or read.*
Compare the plan's benefit schedule with your vet's fees to determine to what degree the plan will cover the actual treatment costs.* Find out how quickly the insurance company reimburses customers' claim payments and if it has claim deadlines. *
Read the fine print. Make sure you completely understand the plan's benefits and, more importantly, the limitations. If something isn't clear, ask – and get the answer in writing. Otherwise, you might find you don't have the coverage you need if an accident occurs.*
Start a file for your pet. Use it for all receipts and insurance paperwork so you can keep on top of your claims and make sure you are maximizing your insurance investment. Your responsibility as a pet owner doesn't end with food, shelter and affection. Pet health insurance can give the smallest member of your family a longer and healthier life – and provide you with more time to enjoy the unconditional love it so willingly offers to you. | 
