Here is the second round of questions to ask a potential pet insurance provider. View the entire list here.

4. Does this provider offer a variety of deductibles?

The American Animal Hospital Association suggests going with a company that allows for high deductible plans, but this is entirely up to you. Their reasoning is that it keeps monthly premiums down, while still covering major accidents or illnesses. If you would prefer to only cover those really expensive trips to the vet, then I would also recommend finding a company that lets you have a high deductible.

5. Does this provider exclude coverage for pets the same species, breed, and age as mine?

You should be aware that there are companies that will have certain breed-specific exclusions. If you have a breed that may be prone to certain conditions, you might want to ask the provider if they have any exclusions for your specific pet.

6. Did this provider respond quickly and thoroughly when I requested more information?

This is another question to get the feel for the company. If they were slow in getting you more information, chances are they will be slow at processing any claims that you make. I would suggest going with a company that is very upfront and honest about giving you the right information, and giving you the information that you specifically ask for.

Again, please feel free to ask questions or embellish on anything I have mentioned here.

From the folks at Trupanion pet insurance, we thank you for visiting our blog and being a part of the community.  It is our goal to educate pet owners everywhere about the importance of pet care, positive pet parenting, pet safety, and the many advantages of Trupanion pet insurance. Thanks again for visiting our blog and remember to protect your pet and yourself with Trupanion pet insurance.

As you may come across throughout our site, we have created a section which outlines questions that you should ask pet insurance providers if you are considering pet insurance. Over the next few posts, I will explain what each of these questions mean and the best way to go around asking them.

Today I’ll start off with some basic company questions.

1.       Are there any complaints about this provider on record at the Better Business Bureau?

I think that this one is pretty straightforward, and may be something that you’re in the habit of doing already. Simply visit the BBB's website and see what, if any, complaints exist about the company.

2.       Does this provider have good ratings at independent websites that review and/or publish customer ratings of pet health insurance companies?

I know of one really good independent website called Pet Insurance Review. They have made sections where policyholders can go under their given company and write a review. You can view the reviews by visiting their website, here. I would also appreciate any other suggested websites that you might know of.

3.       Is this provider selling the insurance licensed in my state?

You shouldn’t worry about this question too much, as either you’re able to get the insurance or you’re not. Each company is required to jump through hoops with each state’s department of insurance, and if they have and they’re approved then you’ll be able to get insurance. Typically, once you have the insurance, the company will cover any veterinarian that you visit (even if they’re outside of your home state).

Please feel free to comment with questions or concerns. And, as I mentioned, I would also love to hear any embellishments on either question, or other suggested pet insurance review sites!

From the folks at Trupanion pet insurance, we thank you for visiting our blog and being a part of the community.  It is our goal to educate pet owners everywhere about the importance of pet care, positive pet parenting, pet safety, and the many advantages of Trupanion pet insurance. Thanks again for visiting our blog and remember to protect your pet and yourself with Trupanion pet insurance.