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role="main" class="layout_content__z9_o0 layout_withFixedHeader__ZuxvW"><nav class="PillarNavigation__HeaderWrapper-sc-qc2hg3-0 gvlUzE"><div class="PillarNavigation__HeaderInner-sc-qc2hg3-1 hjsJel"><div class="PillarNavigation__NavTitle-sc-qc2hg3-2 VjIWR">The Trustpilot Blog</div><hr class="PillarNavigation__BreadcrumbsVerticalDivider-sc-qc2hg3-6 gfoHQ"/><a href="" class="PillarNavigation__BreadcrumbsBackLink-sc-qc2hg3-7 bRZNIX"><span direction="left" class="Arrows__Arrow-sc-1gwjvbv-0 kGqLlx"></span>Go back</a><div class="PillarNavigation__SearchWrapper-sc-qc2hg3-4 gAAnHh"><div class="DropDown__DropDownContainer-sc-14dp86x-0 gTbKnp"><input placeholder="Search articles" class="DropDown__DropDownSearch-sc-14dp86x-5 dKrFID"/><span class="Search__SearchIconContainer-sc-dcvmlt-0 wRRrc"><svg xmlns="http://www.w3.org/2000/svg" fill="none" fill-rule="evenodd" clip-rule="evenodd" viewBox="0 0 19 20"><path d="M12.572 13.106l-.016.016-.016.016a6 6 0 11.032-.032zm2.062.68A8.002 8.002 0 002.657 3.221 8 8 0 0013.22 15.2l4.286 4.286 1.414-1.414-4.286-4.286z"></path></svg></span></div></div></div></nav><div itemscope="" itemType="http://schema.org/BlogPosting"><meta itemscope="" itemProp="mainEntityOfPage" itemType="https://schema.org/WebPage" itemID="https://.trustpilot.com/blog/buy-with-confidence/best-pet-insurance"/><div class="Spacing-sc-11pk266-0 gQkMvi"><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 SingleResourceView__TopPillarLink-sc-w8e2aw-0 hRKPDT jDOCWC" href="/blog/buy-with-confidence">Buy With Confidence</a><h1 itemProp="name headline" class="Headers__Heading-sc-1erae96-0 Headers__H1-sc-1erae96-2 SingleResourceView__Title-sc-w8e2aw-1 gKXYKr hfVHek hrcOuu">How to choose the best pet insurance for your four-legged friend</h1><div itemProp="dateCreated datePublished" class="SingleResourceView__PublishedDate-sc-w8e2aw-2 lnMZRc">Wednesday, February 14, 2024</div><meta itemProp="dateModified" content="2024-02-15"/></div><meta itemProp="image" content="https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg"/><div class="SingleResourceView__ArticleContent-sc-w8e2aw-4 fmQqAW"><div class="Spacing-sc-11pk266-0 kTQFfb"><div class="Spacing-sc-11pk266-0 ResourceImage__Wrapper-sc-uyzb89-1 hmxrfE OcFqL"><div class="react-aspect-ratio-placeholder" style="max-width:640px;width:100%;--aspect-ratio:(1.3333333333333333)"><img alt="How to choose pet insurance" title="A dog lying on the beach" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="50vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=640&fm=webp 640w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=750&fm=webp 750w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=828&fm=webp 828w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=1080&fm=webp 1080w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=3840&fm=webp"/></div></div><div class="from-markdown SingleResourceView__Introduction-sc-w8e2aw-3 bkyjuy"><p class="Markdown__Paragraph-sc-wk78ky-0 hvhTD">Paying for veterinary care is one of the less fun parts of having a pet—and for many pet owners, unexpected vet costs are a real concern. In a survey by Forbes Advisor, 63% of pet parents said that they would struggle to pay a surprise vet bill. Forty-two percent said a bill of $999 would put them in debt.</p></div><div class="RichText__RichtextWrapper-sc-lgc1a-5 cKNMGu"><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Pet insurance could provide some relief. In fact, pet insurance is becoming increasingly popular: The North American Pet Health Insurance Association says that <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://naphia.org/industry-data/"><u>4.41 million pets </u></a>were insured at the end of 2021 and that number is expected to increase for 2022. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">If you’re considering buying pet insurance, this guide is for you, with pointers on: </p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">How pet insurance works</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Factors that determine costs</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Where and how to find a reputable provider</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Things to think about before you sign a policy</p></li></ul><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte"><b>How does pet insurance work?</b></h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Pet insurance is similar to health insurance for humans. You pay premiums to an insurance company, and they agree to cover a predetermined set of services. Some veterinary clinics accept payment directly from pet insurance companies, while others will ask you to pay upfront and then file a claim for reimbursement.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte"><b>What’s covered (and not) by pet insurance </b></h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Your coverage will depend on your policy type (more on those in a bit). For the most part, pet insurance covers treatments for unexpected illnesses. That includes chronic conditions your pet may develop while enrolled in the policy. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Most policies will not cover care for pre-existing conditions, including conditions that are suspected but not yet confirmed. Some insurance companies also won’t cover hereditary or congenital conditions, like hip dysplasia for German Shepherds and Maine Coons.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Similarly, preventative care like wellness exams, vaccinations, and spay/neuter surgeries are not covered, but insurers often offer a separate policy for those services. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Non-medically necessary expenses (groomer visits, training, boarding) are usually not covered.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"></p><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte"><b>Types of policies available</b></h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">When selecting a pet insurance policy, you’ll usually be choosing between these options:</p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Accident-only.</b> This policy will only cover treatments needed after an accident. It’s the claim you hope you’ll never need to file, but if your pet got hit by a car, you should be covered for things like X-rays, bone setting, wound treatment, and antibiotics. Other expenses usually covered include treatment for accidental poisoning, bite wounds and lacerations, burns, and snake bites.<br/></p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Accident and illness.</b> As the name implies, in addition to treatment for accidents, A&I insurance will also cover treatment for illnesses. Surgeries, diagnostic tests, prescription medications, and procedures needed to treat sudden illness are covered. Most of these plans do not cover treatment for pre-existing conditions or preventative care (vaccinations, spay/neuter surgeries, flea/tick treatments).</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Wellness plans. </b>These plans cover costs traditionally left out of other pet insurance plans: vaccinations, wellness exams, dental treatments, and other preventative care. They are often offered as an add-on—or a rider, in insurance-speak—to accident-only or accident and illness policies, though some insurance companies sell it as a separate plan.</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Other add-on plans (riders).</b> Add-ons can be purchased in addition to your primary policy. For example, some A&I policies don’t cover cancer treatments, but the insurance company may offer to cover them as an “add-on/rider” to your main policy for an additional cost. </p></li></ul><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte"><b>How much will pet insurance cost? </b></h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Policies range by your geographic location and setting, but in general, according to <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://naphia.org/industry-data/section-3-average-premiums/"><u>data from the North American Pet Health Insurance Association (NAPHIA</u></a><u>)</u>, the average monthly premiums for 2021 were: </p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">$19.93, accident-only plans for dogs</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">$48.66, accident and illness for dogs</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">$10.85, accident-only plans for cats</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">$28.57, accident and illness for cats</p></li></ul><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Whether your policy is higher or lower than that will depend on <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.valuepenguin.com/pet-insurance/average-cost-of-pet-insurance"><u>several variables</u></a>, including the following.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>Your type of pet </b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Dogs tend to have higher vet bills because they <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7143178/"><u>go to the vet more often</u></a> than other pets, so they are more expensive to insure.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Pet insurance for purebred animals can also be more expensive. Many purebred dogs and cats are predisposed to hereditary conditions and are likely to have more vet expenses.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Older pets, who are more likely to be in poor health, will also have higher premiums.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>Your location</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Your premiums will vary by location, based on the estimated cost of vet care in your area. If you’re in a large metro area, you’ll likely pay more for pet insurance.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>What type of coverage you want</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">As noted, your costs will also depend on the type of policy you want. Here are some variables to consider.</p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Accident-only vs. accident and illness:</b> A&I policies have higher premiums because the insurance company must cover more expenses. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Lifetime vs. annual coverage:</b> Lifetime coverage covers your pet year after year, for the rest of their life. Annual coverage ends at the end of your plan year and has to be renewed in order to continue. Policies with lifetime coverage are usually more expensive, since the insurance company is promising to cover your pet’s health expenses as they age, which can frequently go up.<br/></p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Add-ons/riders:</b> If you want to add coverage for wellness visits, vaccines, or treatment for a certain condition, your costs will be higher.</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Deductible:</b> A deductible is an amount you must pay out-of-pocket before the insurance company starts covering your costs. For instance, if you have a $2,000 deductible, your insurance won’t start reimbursing you until you pay $2,000 worth of vet bills out of pocket. Plans with higher deductibles have lower premiums, or the set amount you’ll have to pay annually. But you may have to pay out of pocket for a while before you meet your deductible. Plans with lower deductibles have higher premiums (your set annual cost), but you won’t have to keep paying for vet bills out of pocket for too long. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Reimbursement rate:</b> A reimbursement rate is the percentage of covered veterinary expenses that your pet insurance company will cover. Most policies offer 80%-90% reimbursement rates. For example, if your veterinary bill is $1,000 and you have an 80% reimbursement rate, the insurance company will pay for $800 of that bill. Typically, the higher the reimbursement rate, the higher the premium.<br/></p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Discounts:</b> Some insurance companies will offer discounts for multi-pet policies, group policies, or bundled policies. They may also extend a lower rate for certain individuals like veterans or seniors. If you get a discounted premium, your costs may be lower.</p></li></ul><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte"><b>How to find the right pet insurance policy</b></h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">If you’ve had your pet for a while, review their medical history and estimate how often your pet might visit the vet each year. Make note of any existing health conditions you want covered. If you are new to pet ownership, talk with fellow pet owners about their experience with costs for illness, accidents, and chronic health conditions. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Then, take a look at your budget and see, should your pet incur such vet costs, how much you could realistically afford to pay out of pocket each year. With that in mind, you’ll have a sense of what type of pet insurance policy you might want. Next, research multiple providers and get a few quotes.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>Where to look for pet insurance</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">You have a couple of options when it comes to choosing a pet insurance provider:</p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Check your employee benefits guide. About 47% of employers now offer pet insurance, according to one <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.wtwco.com/en-US/News/2021/05/pandemic-accelerates-employer-voluntary-benefit-offerings-wtw-survey-finds"><u>recent survey</u></a>. You may get a discounted rate with a group policy, so take advantage of any pet insurance benefit programs available to you. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Get an individual policy from a company that specializes in pet insurance, such as <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/review/www.pumpkin.care"><u>Pumpkin</u></a> and <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/review/trupanion.com"><u>Trupanion</u></a> in the US, or <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/review/vetsure.com"><u>Vetsure Pet Insurance</u></a> in the UK.<br/></p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Check your current insurance policies. Many home, auto, and life insurance companies, such as <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/review/lemonade.com"><u>Lemonade</u></a> and <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/review/www.petinsurance.com"><u>Nationwide</u></a> offer pet insurance. You may be able to add pet insurance coverage through one of your current providers and get a discount for a bundled policy. </p></li></ul><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><br/><br/><br/><b>Look for reputable providers</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Spend time on company websites and figure out what types of policies they offer. Read <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/categories/pet_insurance_company"><u>reviews from fellow pet parents</u></a> to help you narrow down your options. Look out for any issues with:</p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Customer support. </b>Are customers getting their questions answered? Is it easy to get in touch?</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Ease of use.</b> Is it easy to file a claim? Is there an app? How long does it take to submit all the paperwork?</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Reimbursement process.</b> Are customers getting their reimbursement in a timely manner?</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Cancellations.</b> Are customers having issues with canceling their policy? </p></li></ul><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>Things to look out for before you sign a policy</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">An insurance policy is not exactly light reading. But it is a legally binding document, and your pet’s health may depend on it. So, break out the highlighter and go through it line by line before signing. In addition, some insurance companies post <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.healthypawspetinsurance.com/policydocuments/sample%20policy.pdf"><u>sample plans</u></a> you can review before requesting a quote. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Here are sections to watch out for:</p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>List of covered services. </b>Make sure the services you want to include are covered.</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Exclusions. </b>Give this section (what’s not included) an extra once-over, so you’re not surprised down the road.</p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Benefit limits.</b> Some policies will limit how much they will pay annually. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Payment terms</b>. Understand how much you’re paying for your premium and deductible and when coverage kicks in. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Waiting periods.</b> Some policies will cover a condition after a waiting period. A common example is hip dysplasia in German Shepherds. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Steps to file a claim.</b> Don’t wait until an emergency arises to figure out how you can access your benefits. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Renewals, cancellations, disputes.</b> If you ever have a dispute with your insurance company, it’s good to know your options are ahead of time.</p></li></ul><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Not sure what something in your policy means? Check out this<a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.pawlicy.com/dictionary/pet-insurance-terms/"><u> list of common insurance terms</u></a>.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte"><b>Pet Insurance FAQs</b></h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>When is the best time to get pet insurance?</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Ideally, you should get pet insurance as soon as possible because the cost of insuring a pet goes up as they get older. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>I have an older pet with a chronic condition. Is pet insurance still worth it?</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">It could be. You’ll want to do some research and check reviews from other pet owners with older pets. Take a look at your current vet expenses and compare them with premium estimates to figure out what makes sense.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"> </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>My pet is pretty healthy. Is it worth it to pay premiums every month?</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">You’ll need to do some math and ask yourself if you can cover an unexpected vet bill. If something really serious comes up, like a $2,000 emergency surgery, will the payout from a policy even out how much you paid in premiums? </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"></p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu"><b>I can’t take on another monthly payment. Is there another way to handle an expensive vet bill?</b></h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Some nonprofits, such as <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://redrover.org/relief/"><u>RedRover Relief</u></a> and <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.thepetfund.com/for-pet-owners"><u>The Pet Fund</u></a>, may help with vet bills, depending on your income. A lot of vet clinics also offer payment plans and will discuss your options with you. You might also look for a low-cost community vet clinic in your area.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"></p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">At the end of the day, having pet insurance should give you peace of mind, not lead to more stress. Make sure you choose a policy that works for you and leave a review on <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/"><u>Trustpilot</u></a> about your experience.</p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"></p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><i>Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. The Trustpilot companies linked in this post are expected to abide by </i><a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://legal.trustpilot.com/"><i>Trustpilot’s Guidelines</i></a><i>, but have not been reviewed for compliance.</i></p></div></div><div class="Spacing-sc-11pk266-0 fWOdXJ"><div class="SingleResourceView__ResourceFooter-sc-w8e2aw-6 fWIZrr"><div itemscope="" itemProp="author" class="Author__Wrapper-sc-1ep02bo-0 dLxPXm" itemType="https://schema.org/Person"><div class="Author__SectionName-sc-1ep02bo-2 exWuZb">Author</div><div class="Author__Header-sc-1ep02bo-3 dwxJle"><div class="Author__Image-sc-1ep02bo-1 cHhCTI"><picture><source type="image/webp" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/5BtPdSV1nKyAGsdJoJn5SA/0f2b6dc9e9073b6d3be9af6cf663f858/Ana_M_headshot.jpg?w=120&fm=webp&q=80"/><img alt="Ana Merkulova" loading="lazy" src="https://images.ctfassets.net/b7g9mrbfayuu/5BtPdSV1nKyAGsdJoJn5SA/0f2b6dc9e9073b6d3be9af6cf663f858/Ana_M_headshot.jpg?w=120&fm=jpg&q=80" itemProp="image" title="Ana Merkulova - Content Writer"/></picture></div><div class="Author__Info-sc-1ep02bo-7 cryOmn"><div itemProp="name" class="Author__Name-sc-1ep02bo-4 eIjpPE">Ana Merkulova</div><div itemProp="jobTitle" class="Author__Title-sc-1ep02bo-5 jYfPKU">Content Writer</div></div></div><div itemProp="description" class="Author__Description-sc-1ep02bo-6 ivrcQH">Ana writes about pets, careers, and the outdoors. 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When she's not at her desk, she's tending to a small herd of cats and a couple of dogs.","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5BtPdSV1nKyAGsdJoJn5SA","type":"Asset","createdAt":"2022-11-16T11:17:59.996Z","updatedAt":"2022-11-16T11:17:59.996Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":14,"revision":1,"locale":"en-US"},"title":"Ana Merkulova","description":"Ana Merkulova - Content Writer (pets, careers and outdoors)","url":"https://images.ctfassets.net/b7g9mrbfayuu/5BtPdSV1nKyAGsdJoJn5SA/0f2b6dc9e9073b6d3be9af6cf663f858/Ana_M_headshot.jpg","details":{"size":27382,"image":{"width":410,"height":419}},"fileName":"Ana_M_headshot.jpg","contentType":"image/jpeg","width":410,"height":419}},"thumbnail":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4PKnuMYiW9OVsGd1UueQBl","type":"Asset","createdAt":"2022-11-24T09:36:59.293Z","updatedAt":"2023-09-26T11:33:15.053Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":16,"revision":2,"locale":"en-US"},"title":"How to choose pet insurance","description":"A dog lying on the beach","url":"https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg","details":{"size":97126,"image":{"width":640,"height":480}},"fileName":"how-to-choose-pet-insurance.jpg","contentType":"image/jpeg","width":640,"height":480},"featuredResource":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"432JRJq9joUmmC3qjqvhgc","type":"Entry","createdAt":"2022-11-24T09:37:21.950Z","updatedAt":"2023-09-26T11:33:30.728Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"title":"Pet insurance buying guide","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4PKnuMYiW9OVsGd1UueQBl","type":"Asset","createdAt":"2022-11-24T09:36:59.293Z","updatedAt":"2023-09-26T11:33:15.053Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":16,"revision":2,"locale":"en-US"},"title":"How to choose pet insurance","description":"A dog lying on the beach","url":"https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg","details":{"size":97126,"image":{"width":640,"height":480}},"fileName":"how-to-choose-pet-insurance.jpg","contentType":"image/jpeg","width":640,"height":480}},"intro":"Paying for veterinary care is one of the less fun parts of having a pet—and for many pet owners, unexpected vet costs are a real concern. In a survey by Forbes Advisor, 63% of pet parents said that they would struggle to pay a surprise vet bill. Forty-two percent said a bill of $999 would put them in debt. ","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Pet insurance could provide some relief. In fact, pet insurance is becoming increasingly popular: The North American Pet Health Insurance Association says that ","nodeType":"text"},{"data":{"uri":"https://naphia.org/industry-data/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"4.41 million pets ","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":"were insured at the end of 2021 and that number is expected to increase for 2022. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you’re considering buying pet insurance, this guide is for you, with pointers on: ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"How pet insurance works","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Factors that determine costs","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Where and how to find a reputable provider","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Things to think about before you sign a policy","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How does pet insurance work?","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Pet insurance is similar to health insurance for humans. You pay premiums to an insurance company, and they agree to cover a predetermined set of services. Some veterinary clinics accept payment directly from pet insurance companies, while others will ask you to pay upfront and then file a claim for reimbursement.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What’s covered (and not) by pet insurance ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Your coverage will depend on your policy type (more on those in a bit). For the most part, pet insurance covers treatments for unexpected illnesses. That includes chronic conditions your pet may develop while enrolled in the policy. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Most policies will not cover care for pre-existing conditions, including conditions that are suspected but not yet confirmed. Some insurance companies also won’t cover hereditary or congenital conditions, like hip dysplasia for German Shepherds and Maine Coons.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Similarly, preventative care like wellness exams, vaccinations, and spay/neuter surgeries are not covered, but insurers often offer a separate policy for those services. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Non-medically necessary expenses (groomer visits, training, boarding) are usually not covered.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Types of policies available","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"When selecting a pet insurance policy, you’ll usually be choosing between these options:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Accident-only.","nodeType":"text"},{"data":{},"marks":[],"value":" This policy will only cover treatments needed after an accident. It’s the claim you hope you’ll never need to file, but if your pet got hit by a car, you should be covered for things like X-rays, bone setting, wound treatment, and antibiotics. Other expenses usually covered include treatment for accidental poisoning, bite wounds and lacerations, burns, and snake bites.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Accident and illness.","nodeType":"text"},{"data":{},"marks":[],"value":" As the name implies, in addition to treatment for accidents, A\u0026I insurance will also cover treatment for illnesses. Surgeries, diagnostic tests, prescription medications, and procedures needed to treat sudden illness are covered. Most of these plans do not cover treatment for pre-existing conditions or preventative care (vaccinations, spay/neuter surgeries, flea/tick treatments).","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Wellness plans. ","nodeType":"text"},{"data":{},"marks":[],"value":"These plans cover costs traditionally left out of other pet insurance plans: vaccinations, wellness exams, dental treatments, and other preventative care. They are often offered as an add-on—or a rider, in insurance-speak—to accident-only or accident and illness policies, though some insurance companies sell it as a separate plan.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Other add-on plans (riders).","nodeType":"text"},{"data":{},"marks":[],"value":" Add-ons can be purchased in addition to your primary policy. For example, some A\u0026I policies don’t cover cancer treatments, but the insurance company may offer to cover them as an “add-on/rider” to your main policy for an additional cost. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How much will pet insurance cost? ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Policies range by your geographic location and setting, but in general, according to ","nodeType":"text"},{"data":{"uri":"https://naphia.org/industry-data/section-3-average-premiums/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"data from the North American Pet Health Insurance Association (NAPHIA","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[{"type":"underline"}],"value":")","nodeType":"text"},{"data":{},"marks":[],"value":", the average monthly premiums for 2021 were: ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$19.93, accident-only plans for dogs","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$48.66, accident and illness for dogs","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$10.85, accident-only plans for cats","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$28.57, accident and illness for cats","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"Whether your policy is higher or lower than that will depend on ","nodeType":"text"},{"data":{"uri":"https://www.valuepenguin.com/pet-insurance/average-cost-of-pet-insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"several variables","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", including the following.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Your type of pet ","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Dogs tend to have higher vet bills because they ","nodeType":"text"},{"data":{"uri":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7143178/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"go to the vet more often","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" than other pets, so they are more expensive to insure.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Pet insurance for purebred animals can also be more expensive. Many purebred dogs and cats are predisposed to hereditary conditions and are likely to have more vet expenses.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Older pets, who are more likely to be in poor health, will also have higher premiums.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Your location","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Your premiums will vary by location, based on the estimated cost of vet care in your area. If you’re in a large metro area, you’ll likely pay more for pet insurance.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What type of coverage you want","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"As noted, your costs will also depend on the type of policy you want. Here are some variables to consider.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Accident-only vs. accident and illness:","nodeType":"text"},{"data":{},"marks":[],"value":" A\u0026I policies have higher premiums because the insurance company must cover more expenses. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Lifetime vs. annual coverage:","nodeType":"text"},{"data":{},"marks":[],"value":" Lifetime coverage covers your pet year after year, for the rest of their life. Annual coverage ends at the end of your plan year and has to be renewed in order to continue. Policies with lifetime coverage are usually more expensive, since the insurance company is promising to cover your pet’s health expenses as they age, which can frequently go up.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Add-ons/riders:","nodeType":"text"},{"data":{},"marks":[],"value":" If you want to add coverage for wellness visits, vaccines, or treatment for a certain condition, your costs will be higher.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Deductible:","nodeType":"text"},{"data":{},"marks":[],"value":" A deductible is an amount you must pay out-of-pocket before the insurance company starts covering your costs. For instance, if you have a $2,000 deductible, your insurance won’t start reimbursing you until you pay $2,000 worth of vet bills out of pocket. Plans with higher deductibles have lower premiums, or the set amount you’ll have to pay annually. But you may have to pay out of pocket for a while before you meet your deductible. Plans with lower deductibles have higher premiums (your set annual cost), but you won’t have to keep paying for vet bills out of pocket for too long. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Reimbursement rate:","nodeType":"text"},{"data":{},"marks":[],"value":" A reimbursement rate is the percentage of covered veterinary expenses that your pet insurance company will cover. Most policies offer 80%-90% reimbursement rates. For example, if your veterinary bill is $1,000 and you have an 80% reimbursement rate, the insurance company will pay for $800 of that bill. Typically, the higher the reimbursement rate, the higher the premium.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Discounts:","nodeType":"text"},{"data":{},"marks":[],"value":" Some insurance companies will offer discounts for multi-pet policies, group policies, or bundled policies. They may also extend a lower rate for certain individuals like veterans or seniors. If you get a discounted premium, your costs may be lower.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How to find the right pet insurance policy","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you’ve had your pet for a while, review their medical history and estimate how often your pet might visit the vet each year. Make note of any existing health conditions you want covered. If you are new to pet ownership, talk with fellow pet owners about their experience with costs for illness, accidents, and chronic health conditions. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Then, take a look at your budget and see, should your pet incur such vet costs, how much you could realistically afford to pay out of pocket each year. With that in mind, you’ll have a sense of what type of pet insurance policy you might want. Next, research multiple providers and get a few quotes.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Where to look for pet insurance","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"You have a couple of options when it comes to choosing a pet insurance provider:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Check your employee benefits guide. About 47% of employers now offer pet insurance, according to one ","nodeType":"text"},{"data":{"uri":"https://www.wtwco.com/en-US/News/2021/05/pandemic-accelerates-employer-voluntary-benefit-offerings-wtw-survey-finds"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"recent survey","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":". You may get a discounted rate with a group policy, so take advantage of any pet insurance benefit programs available to you. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Get an individual policy from a company that specializes in pet insurance, such as ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/www.pumpkin.care"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Pumpkin","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" and ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/trupanion.com"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Trupanion","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" in the US, or ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/vetsure.com"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Vetsure Pet Insurance","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" in the UK.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Check your current insurance policies. Many home, auto, and life insurance companies, such as ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/lemonade.com"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Lemonade","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" and ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/www.petinsurance.com"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Nationwide","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" offer pet insurance. You may be able to add pet insurance coverage through one of your current providers and get a discount for a bundled policy. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"\n\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"Look for reputable providers","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Spend time on company websites and figure out what types of policies they offer. Read ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/pet_insurance_company"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"reviews from fellow pet parents","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" to help you narrow down your options. Look out for any issues with:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Customer support. ","nodeType":"text"},{"data":{},"marks":[],"value":"Are customers getting their questions answered? Is it easy to get in touch?","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Ease of use.","nodeType":"text"},{"data":{},"marks":[],"value":" Is it easy to file a claim? Is there an app? How long does it take to submit all the paperwork?","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Reimbursement process.","nodeType":"text"},{"data":{},"marks":[],"value":" Are customers getting their reimbursement in a timely manner?","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Cancellations.","nodeType":"text"},{"data":{},"marks":[],"value":" Are customers having issues with canceling their policy? ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Things to look out for before you sign a policy","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"An insurance policy is not exactly light reading. But it is a legally binding document, and your pet’s health may depend on it. So, break out the highlighter and go through it line by line before signing. In addition, some insurance companies post ","nodeType":"text"},{"data":{"uri":"https://www.healthypawspetinsurance.com/policydocuments/sample%20policy.pdf"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"sample plans","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" you can review before requesting a quote. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Here are sections to watch out for:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"List of covered services. ","nodeType":"text"},{"data":{},"marks":[],"value":"Make sure the services you want to include are covered.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Exclusions. ","nodeType":"text"},{"data":{},"marks":[],"value":"Give this section (what’s not included) an extra once-over, so you’re not surprised down the road.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Benefit limits.","nodeType":"text"},{"data":{},"marks":[],"value":" Some policies will limit how much they will pay annually. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Payment terms","nodeType":"text"},{"data":{},"marks":[],"value":". Understand how much you’re paying for your premium and deductible and when coverage kicks in. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Waiting periods.","nodeType":"text"},{"data":{},"marks":[],"value":" Some policies will cover a condition after a waiting period. A common example is hip dysplasia in German Shepherds. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Steps to file a claim.","nodeType":"text"},{"data":{},"marks":[],"value":" Don’t wait until an emergency arises to figure out how you can access your benefits. 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","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Specifically, personal liability insurance covers:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Bodily Injury:","nodeType":"text"},{"data":{},"marks":[],"value":" If a visitor is injured at your home or apartment, for example, by falling on a wet floor, your insurance can cover their doctor bills and surgery. \n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Property Damage:","nodeType":"text"},{"data":{},"marks":[],"value":" If others sustain property damage from you or your household relatives, personal liability coverage can cover the costs of fixing their property. If your kiddo hits a baseball through your neighbor’s expensive stained-glass window, this may kick in. \n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Legal Expenses:","nodeType":"text"},{"data":{},"marks":[],"value":" If you’re sued by a ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/personal_injury_lawyer"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"personal injury attorney","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" arising from bodily injury or property damage to others, this coverage might pay for ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/lawyers_attorneys"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"hiring a lawyer","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" to defend you in court and cover any court costs and settlements resulting from the accident.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Dog bites: ","nodeType":"text"},{"data":{},"marks":[],"value":"Some ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/money_insurance?subcategories=insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance companies","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" offer this, and some do not. 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Then if a covered liability claim hits the maximum amount of coverage you have in your home and ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/auto_insurance_agency"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"auto insurance","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" policies, the umbrella will begin paying up to a $1,000,000 limit. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"A qualified ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance professional","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" can help you determine the right level of coverage for you. 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","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"First, homeowners will typically have higher coverage limits because they generally have more assets at risk — such as their house! This can make homeowners a bigger target for lawsuits. Plus, renters typically only need to worry about liability related to the contents within their rented dwelling, not outside premises or structures like garages. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"For these reasons, renters’ policies typically offer $100,000 and $300,000 limits and at a lesser cost. Some insurance companies might have $500,000 options, but it’s not as standard an offering as with homeowners policies. And renter’s insurance is not as apt to offer coverage for dog bites. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Regardless of policy, personal liability coverage is often considered the most affordable part of your homeowners or renters policy. So it doesn’t cost much more to buy the maximum limits offered.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"How to choose the right personal liability insurance ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you have assets to protect, some level of protection for personal liability may well be worth it. Buying an umbrella policy might give you further peace of mind if you have a high net worth or valuable assets. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Another consideration is to partner with an insurance company that will guide you through the process and take the stress out of lawsuits and accidents. As you shop your insurance options, Trustpilot reviews that discuss claims handling can give you a good idea of the type of customer service you might expect from different insurers. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Learn more: ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/car-rental-services-what-to-watch-out-for-to-ensure-a-smooth-trip"},"content":[{"nodeType":"text","value":"How to rent a car: What to watch out for to ensure a smooth trip","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Glass coverage","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Some companies offer a full glass coverage policy in addition to, but separate from, the comprehensive deductible. 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Essential insights for securing your future.","url":"https://images.ctfassets.net/b7g9mrbfayuu/6Zw5UASvVstfHGO1rcpwow/79a0271cd46872f5f55dea15481e3377/Life_insurance_Trustpilot.jpg","details":{"size":69904,"image":{"width":640,"height":427}},"fileName":"Life insurance Trustpilot.jpg","contentType":"image/jpeg","width":640,"height":427}},"intro":"Life doesn’t always go our way. Most people hope for a long, healthy life. Unfortunately, an unexpected illness or injury can derail those plans and force our families to change course. ","content":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nobody wants to think about a loved one dying prematurely. But planning ahead by purchasing a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/insurance?subcategories=life_insurance_agency"},"content":[{"nodeType":"text","value":"life insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" policy can offer survivors some financial protection as they cope with the loss. And educating yourself on your options and reading Trustpilot reviews can help you choose a reliable provider to ensure your loved ones are covered.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What is life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If someone dies while their life insurance policy is in force, their beneficiaries get a payout. They can use this money to cover medical or funeral costs, pay off a mortgage, fund a child’s education, or however else they see fit. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This can be an important financial planning tool if you have people who rely on you financially or logistically. If you’re the main wage earner in your family, your family will lose your income when you die. They would then need to replace that income or reduce their spending. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here’s why one customer purchased life insurance from ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/choicemutual.com"},"content":[{"nodeType":"text","value":"Choice Mutual","marks":[],"data":{}}]},{"nodeType":"text","value":": ","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3AccVSoOvECJIBZUYUjLdH","type":"Entry","createdAt":"2024-05-15T14:16:29.339Z","updatedAt":"2024-05-15T14:16:29.339Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Choice Mutual","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"fVbVfPl6Ksh4gD5hbYNJ0","type":"Asset","createdAt":"2024-05-15T14:16:23.256Z","updatedAt":"2024-05-15T14:16:23.256Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Choice Mutual","description":"Review of Choice Mutual","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/fVbVfPl6Ksh4gD5hbYNJ0/05d710558fa520855ce1ba25744528ea/Review_of_Choice_Mutual.png","details":{"size":71134,"image":{"width":587,"height":338}},"fileName":"Review of Choice Mutual.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/66353291779ea7ffe86fb218"}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Parents and caregivers who don’t work outside the home might also need life insurance. If a stay-at-home parent died suddenly, the other parent would need to hire help to keep the house running and the children cared for. A life insurance payout could allow the surviving parent to hire help and continue working.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What types of life insurance are available? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Life insurance comes in a few different flavors, including term life, whole life, and supplemental life. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is term life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Term life insurance covers you for a specified term, often 10, 15, 20, or 30 years. A homeowner might choose a 30-year term life policy in case they pass away while their spouse is still paying off the mortgage. A new parent might choose a 20-year term life policy to cover their children in case the parent dies before their children are financially independent. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This customer chose a 20-year term life insurance policy from ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/efinancial.com"},"content":[{"nodeType":"text","value":"eFinancial Life Insurance","marks":[],"data":{}}]},{"nodeType":"text","value":": \n","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4DnejMJUcTDBAqHAlbENyF","type":"Entry","createdAt":"2024-05-15T14:19:12.201Z","updatedAt":"2024-05-15T14:19:12.201Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of eFinancial Life Insurance","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"zga27n7L3izUTBeUHLe5f","type":"Asset","createdAt":"2024-05-15T14:19:02.017Z","updatedAt":"2024-05-15T14:19:02.017Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"locale":"en-US"},"fields":{"title":"Review of eFinancial Life Insurance","description":"","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/zga27n7L3izUTBeUHLe5f/6bc153c569253c7b9e3d1ad7829c8e67/Review_of_eFinancial_Life_Insurance.png","details":{"size":54199,"image":{"width":600,"height":280}},"fileName":"Review of eFinancial Life Insurance.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/652020b491a638d2a6e4eea2"}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Term life insurance is a popular option, because the premiums tend to be lower than whole life or supplemental life insurance. The simplest form of term life insurance is level term. This means the premiums remain at the same level throughout the term. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"With a yearly renewable term, you’re insured for a year at a time with the option to renew your policy each year at a higher premium. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is whole life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"While term life insurance covers you for a specific term, whole life insurance covers you for the entirety of your life, provided the premiums are paid up. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It also accrues cash value that you can access while you’re still alive using a tax-free loan or withdrawal. Some people use this cash value for a down payment on a home or their children's higher education. However, borrowing or withdrawing from your whole life insurance policy means your survivors get a smaller death benefit later on. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Because whole life insurance offers policyholder benefits beyond death and covers you for a longer time frame, the premiums are generally more expensive than term life insurance for the same payout. And remember that checking Trustpilot reviews can help you evaluate the best whole life insurance providers for your needs. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is supplemental life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Supplemental life insurance is often available as an employee benefit. Some companies buy a small amount of life insurance for each employee and then allow those employees to purchase additional coverage. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Some people don’t qualify for term or whole life insurance privately due to their health, so supplemental life insurance purchased through an employer offers an alternative. Trustpilot reviews can assist you in finding supplemental life insurance policies that are well-regarded by other customers.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"How do I compare life insurance policies? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"There are several factors to consider when shopping around for life insurance. ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How much coverage do your survivors need?","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Add up expenses like funeral costs, your mortgage, your kids’ college education, and your family’s living expenses. If you’re working, life insurance should replace your income, plus give your survivors a little extra for funeral costs or medical expenses. Some experts recommend buying a policy worth 10 times your income, plus whatever you’d plan to contribute to your children’s college education. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How much can you afford in premiums? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If your budget is tight, you might consider buying term life insurance, since the premiums are lower. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Is your insurable need time-limited or indefinite? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If you need to insure your loved ones until the mortgage is paid off or your kids reach adulthood, a term policy might suit your needs. But if your need lasts longer than 30 years, you might opt for whole life insurance. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Do you need a policy that accrues cash value? Or would a simpler term life policy suit your needs? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Some people plan on using the cash value while they’re still alive to pay for future medical costs or a child’s education. Of course, there are other ways to fund these needs. ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Life insurance can take many different forms, but its primary goal is giving your loved ones peace of mind in case something happens to you. Understanding different types of insurance can help you prepare for the unexpected. The right policy can free them from financial worries at a difficult time. Reading Trustpilot reviews can also help you choose a company you can trust, ensuring you make a well-informed decision for your future.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\nTrustpilot is a review platform that is open to all. 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The Trustpilot companies linked in this post are expected to abide by ","marks":[{"type":"italic"}],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://legal.trustpilot.com/for-businesses/guidelines-for-businesses"},"content":[{"nodeType":"text","value":"Trustpilot’s Guidelines","marks":[{"type":"italic"}],"data":{}}]},{"nodeType":"text","value":", but have not been reviewed for compliance.","marks":[{"type":"italic"}],"data":{}}]}]}}]},"__N_SSP":true},"page":"/blog/[pillar]/[slug]","query":{"pillar":"buy-with-confidence","slug":"best-pet-insurance"},"buildId":"businesssite-consumerblog-1.545.0","assetPrefix":"https://businesssite-assets-1.trustpilot.net/businesssite-consumerblog","runtimeConfig":{"contentful":{"space":"b7g9mrbfayuu","accessToken":"nfTcwHjn2e3PxejW1L0osHVyQK80OoA8hNUaYyqwY8Q","environment":"master-blog","host":"cdn.contentful.com"},"sentry":{"dsn":"https://a797806e87d044c99418c9eae0320a92@o211375.ingest.sentry.io/5895884"},"defaultLocaleCode":"en-US","baseUrl":"trustpilot.com","oneTrustEndpoint":"84cb5c09-05e4-488b-b71c-2fe171dca5e5"},"isFallback":false,"isExperimentalCompile":false,"dynamicIds":[93989],"gssp":true,"appGip":true,"scriptLoader":[]}</script></body></html>