From rattlesnakes lurking in bushes to earthquakes causing falling objects, living in California can pose health risks to your pet. As you compare your options, here are some tips for finding the best pet insurance in California.
Choose a plan with a 24/7 veterinary helpline
Many pet insurance companies offer free access to a 24/7 veterinary helpline to help with pet health questions. So if your pup gets sick in the middle of the night, you can contact the vet’s helpline for advice.
Find out if there are direct veterinary payments
Some pet insurance companies, like Pets Best and Trupanion, can pay your veterinarian directly, which can minimize your initial outlay.
Look for a multi-pet discount
If you have more than one furry friend, some pet insurance companies give you a discount for insuring multiple pets, known as a multi-pet discount. Insurers may also offer other ways to save. Adopting pet insurance, for example, reduces your deductible by $50 each year without filing a claim for your pet.
Add wellness or routine care coverage
Regular checkups at the vet can reduce your risk of larger vet bills later. If you need help paying for preventative care costs, look for a pet insurance plan that offers additional wellness or routine care.
Find out about waiting times
Every pet insurance company has a waiting period. This is the time you must wait after purchase until your pet’s coverage begins. Some insurers have shorter waiting times than others. For example, Lemonade’s pet insurance has a two-day accident waiting period, while ASPCA’s pet health insurance has an accident waiting period of 14 days.
Selecting a plan with shorter waiting periods is beneficial since you never know when your pet will become ill or injured.
Also check to see if the pet insurer has an extended waiting period for specific conditions. If your pet is prone to these issues, such as hip dysplasia, you may want to consider another pet insurance plan.
Check if veterinary examination fees are covered
Although it may seem counterintuitive, not all pet insurance companies pay vet fees for a visit following an accident or illness. If you don’t want to be hit with an exam bill, look for companies that will cover that cost.