Many people insure their own health and that of their families. Insuring pets, however, is a more recent practice. Just as when providing for your own health expenses, it is important to compare pet insurance policies before choosing a carrier.

Go online to see what companies are advertising. There are often comparison charts showing how the host company compares with its competitors. Prices differ according to what is covered and the deductible set for the policy. It’s relatively easy and simple to shop by price, but you will want to check out other important factors before making a decision.

Some companies promise to not raise the premium price as your pet ages. This is an important feature, since older animals have more health problems. Some policies will cover chronic conditions, hereditary problems, and even congenital defects. Others simply cover the expenses of accidents and sudden acute illnesses.

Of course, there is value in policies that merely cover unexpected illnesses or accidental injuries. Those pet owners who maintain a savings account for routine care of their animals still have to worry about an unplanned crisis, which can happen at times when only emergency clinics may be open. Charges for after-hours and trauma care can quickly mount up.

You can also get a more comprehensive policy that covers veterinary exam fees – something usually excluded from coverage – and things like prescription medicine, routine dental care, boarding fees, and even rehabilitation. You can also insure yourself against the loss of a valuable animal. This may sound excessive, but in these days of rising costs and new procedures having such a policy can make the difference of being able to follow the doctor’s recommendations and having to make tough choices.

The easiest way, if you choose not to compare pet insurance, is to ask your veterinarian to recommend a carrier.

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