Top 5 Tips for Switching Pet Insurance Providers

Dog owners look into .We often hear from pet owners who are considering switching to Pets Best Insurance from another pet insurance provider. We’re always happy to welcome new dogs and cats into our family, and want to share the top 5 things we recommend you keep in mind when choosing a new pet insurance provider.

1. Check Out Their Customer Service
Take a few minutes to check out the provider’s website and do a little investigation. Do they answer the phone quickly? Is it easy to find contact information, and do they offer a live chat option? As a customer, will you be able to manage your account online?

The way you’re treated as a prospective customer speaks volumes about how you may be treated after the sale. Be sure you like the experience they offer, because it’s a sneak peek at how your relationship will be with the provider throughout the life of your policy.

2. Understand How Your Reimbursement is Calculated
Veterinary fees can vary widely due to your pet’s size and age, not to mention complications, severity, where you live and how your pet responds to treatments. In other words, when it comes to pet care, one size does not fit all. You want a predictable and reliable method of payment for your claims – ideally a flat percentage of your actual vet bill – and not a benefit schedule or fixed amount depending on the diagnosis or treatment option, which will usually reflect lower prices than what you were actually charged. Whether you choose a plan with 70%, 80%, 90% or even 100% reimbursement after a deductible, be sure that the reimbursement level is based on your actual vet bill.

3. Consider Your Pet’s Health History
If your pet has a serious or chronic condition, before enrollment or when switching to another pet insurer, remember, pre-existing conditions typically will not be covered. If your pet has a chronic or existing condition, be sure to inquire about future coverage before enrolling.

Most plans, however, like Pets Best Insurance plans, will allow for “curable” pre- existing conditions (like a broken leg) to become eligible for coverage in the future. One minor or inexpensive medical condition for your pet shouldn’t discourage you from enrolling or switching to a better pet insurance plan, since your pet will still likely be covered for future accidents and illnesses. Be careful, though, because some plans have extensive waiting periods, even for conditions Pets Best Insurance considers “curable”.

4. Look for Fast Claim Payment
Choose a company that has a reputation for paying claims fairly and quickly. Your veterinarian or a friend who has pet insurance can be a good source.

Pets Best Insurance processes most claims within 5 business days, and current turnaround time is just 18 hours. You can mail, fax or email your claim, and we offer free direct deposit reimbursement.

5. Don’t Fall for Perks You Don’t Need
If a pet insurance plan is too robust with benefits you’re not likely to need, you may be paying too much for coverage. And if the plan is too expensive, you may be tempted to drop it after awhile. (According to Murphy’s Law, your pet is likely to face a problem soon after you drop coverage.)

Be realistic about whether you really need the benefits you’re being sold – no pet owner needs a $1 million limit, for example. Ask your veterinarian or work with a knowledgeable sales representative if you need help figuring out just how much coverage you need, and which plan will be the best fit. If you’re using an insurance agent, choose one on salary instead of commission. The latter may be inclined to sell you more coverage than you need.

Simmer Down! Tips for Calming a Hyperactive Dog

You can train your hyper dog to be better behaved.Dr. Fiona, Doctor of Veterinary Medicine, guest blogs for pet insurance provider Pets Best.

Puppy jumping, sloppy kisses and general ‘misbehaving’ is adorable when your puppy is less than 10 pounds, but this behavior can quickly become undesirable as your puppy becomes a full grown adult. Personalities are very individual in every dog, and some just seem to have more uncontainable energy! What should you do when simple uncontrollable joy becomes a little too much to handle? Dog training obedience classes are a great idea for all puppies, high energy or not, but there are some other things you can do to help a particularly overactive dog.

1. Exercise, exercise, exercise…then exercise some more!

A leash walk twice a week just is not enough activity for a high-strung dog. Spot might be better off going on runs with you. Not a runner? Teach your dog to fetch and use a “chuck-it” or other device that will maximize your throwing power and save time.

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First Dogs: A Look at Presidential Pets

Po Obama currently lives in the White House.With the presidential race in full swing and November quickly approaching, the White House is on a lot of Americans’ minds. Regardless of who takes office for the next term, one thing will remain constant; dogs will continue to be a part of the White House and a part of politics. The current First Dog is Bo (pictured here), a Portuguese Water Dog owned by the Obamas. And who can forget Gov. Romney’s family dog, Seamus, who rode on the roof of their car during vacations? Historically, presidential pets have had a place in the White House, and have even been thought to influence voters.

When President Franklin D. Roosevelt was running for re-election in 1944, he had been criticized for misusing tax payers’ money following an incident where he sent a ship back from a family vacation to collect his dog, Fala. He is quoted as saying, “You can criticize me, my wife and my family, but you can’t criticize my little dog. He’s Scotch and all these allegations about spending all this money have just made his little soul furious.”1 This speech was credited for turning the election in Roosevelt’s favor!

They way presidents have treated their pets has historically been a topic for political discussRead More…

Silly Dogs, Trick-or-Treating is for Kids

Buddy wishes he could go trick-or-treating, but we recommend pets stay home.
There’s something exciting about trick-or-treating, no matter how old you are. The cool fall air, dead leaves crunching under foot, a gentle wind whistling by your ear…

But no matter how excited you are to fill that pillowcase with candy, for the sake of pet health, it’s probably a good idea to leave the dogs at home on Halloween night. Here are a few reasons why:

1. Dropped Goodies

Dogs love to scavenge, but Halloween night is not the time to allow it. Kids drop candy and wrappers, and both could cause pet health issues. In addition to chocolate and raisins being toxic to dogs, wrappers cause a choking hazard and could even cause intestinal blockages if swallowed.

2. Other Dogs

When it’s dark, people are in costumes, the doorbell has been ringing and strangers have been showing up at the house all night, dogs can be on edge. There may be one or two roaming your neighborhood after escaping when kids came to the door, or the Read More…

Smart Solutions for Cats & Carriers

Cat insurance can help pay for routine visits to keep your cat healthy.Feline visits to the veterinary’s office have declined steadily over the past decade, despite the fact that the population of cats has increased over the years. It’s estimated that over half of household pets are cats, but felines only make up 39% of visits overall in the veterinary clinic1. Possible reasons for this trend include the misconception that indoor cats don’t need cat insurance or regular veterinary check-ups and vaccinations, and due to the fact that, well, getting the cat in the carrier and in the car and in the waiting room and then in the exam room is stressful for the cat, and you! Here are 5 tips for making your cat’s next vet visit smoother:

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