The most fundamental factors that you should check on a pet policy before you buy are the cover limits and claim allowances for veterinarian bills, since medical expenses are, primarily, the reason for pet insurance in the first place.
There are a number of different ways in which insurers regulate the amount of cover provided for vet costs on a policy; Some insurers set monetary limits per condition and will only pay out a certain amount no matter how long your pet requires treatment; Some will pay out an unlimited amount per condition, but will only cover cost of treatment for the first twelve months of each particular condition – once that period is over the insurer will refuse payment for a pet’s ongoing treatment; The system that offers the best value, however, is when a policy has yearly limits with no ‘per condition’ limits. With this type of policy vet expenses will be covered (to a certain degree) year after year even if your pet requires treatment for an ongoing medical condition.
