Pet insurance can be expensive, but it’s one of the best ways to protect your furry friend.
If you have an auto, home or vehicle policy, you can get coverage for your pet, or for yourself.
But you can’t afford to take your pet out of your home or car if you’re on disability.
And many states don’t have comprehensive insurance for pets, leaving you with a limited amount of coverage that can be very costly.
Here are three simple tips to save money and avoid expensive claims and medical expenses for your furry friends.
Save for an emergency The National Pet Insurance Association says pet insurance can save you thousands of dollars each year.
You can take advantage of this by making your first claim in the spring, and then making the claim for the full year.
“Pet insurance is an important tool for families who can’t take their pets out of their homes and who are in financial distress,” says Sarah Fisch, the group’s president.
“It can save your family money for a variety of emergencies.”
You can find out more about how to claim your pet insurance coverage in the NPI’s pet policy guide.
Pay attention to your deductible and deductibles for auto, house and vehicle insurance Pet insurance deductibles can vary widely depending on the policies you choose.
But there are several things you should know about your pet.
If your pet is eligible for an auto or home insurance policy, its coverage will be lower than for other pets.
This means that the deductible will likely be higher, and your policy may be less comprehensive.
Your home insurance will also be lower.
If the policy has a deductible of $2,000 or more, the policy will pay less for all your expenses.
And if you choose a home policy, the deductible may be higher.
This is because the policy pays for the damage to your home.
If there’s no damage, you may be entitled to claim more than your deductible.
Your pet’s deductible is determined based on its size.
For example, a dog weighing less than a pound may not qualify for a deductible.
A cat weighing less would not qualify if it’s not eligible for coverage.
Use the right type of pet insurance You don’t need to get a pet policy to qualify for coverage for other pet products.
In some states, you might qualify for an automobile or home policy if your pet has been vaccinated for rabies or has a valid identification number.
But if your dog or cat has been tested negative for rababies, the insurer won’t cover the claim.
And in some states that do not have policies for pets with certain health conditions, the insurance company won’t pay for your dog’s vaccinations.
You might also be able to claim coverage for pets you own.
For a list of pet health benefits and conditions, visit NPI.com/pethealth.
Don’t take your dog out of the home if you need to report it to a government agency Pet insurance is not required for pets that have been injured or euthanized.
But the government does require you to report a pet if it has been injured, injured in a fight or killed.
“There’s no reason why your pet shouldn’t be able go out in public,” says Fisch.
“If it’s an emergency, they’re more likely to be killed by a stray dog or other animal.”
The government doesn’t pay any of the claims for pet deaths.
If a pet dies or is injured in an accident, the animal’s insurance provider will pay for veterinary care and any other medical costs incurred by the family.
If it’s euthanization, the government pays for any necessary medical expenses.
Use your own insurance company If you can find an insurer that covers your pet but you need help, you’re not out of luck.
You’ll need to work with a pet insurance company, Fisch says.
You should consider your insurance carrier’s claim limits, and choose one that will help cover your pet in the event of a medical emergency.
“The key is to get your pet covered before you even think about reporting it,” Fisch said.
“You should not take your animal out of home unless you need it to stay there.”
If your insurance company does not cover your pets, you’ll need a third-party to cover the cost.
This third party could be an animal shelter, a veterinarian or a veterinary technician, according to NPI, which recommends contacting your local animal shelter.
If someone in your home has a pet with a severe medical condition, you should consider hiring a pet rescue or animal care company.
A good pet rescue will look after your pet during a medical crisis.
And they’ll take care of your pet for a long time, Fish says.
“They’ll take great care of the animal until it can be released back into the wild,” she says.
The rescue or other pet care company will help you make payments on your pet plan.