Starting your search for the best pet insurance in New Zealand can feel like diving into a sea of options from different providers with strange names. It can be overwhelming, right? Well, it doesn’t have to be. In this blog post, we'll walk you through some key things to think about when choosing the best pet insurance for your needs. By the end, you'll feel more confident about picking the right plan for your furry friend.

1. Coverage for your pet's needs

Understanding your pet's specific needs is crucial. Consider the breed and age of your pet when evaluating insurance policies. Why? Some dog and cat breeds may be prone to certain health issues that require specific coverage. Investing time to research these details can prevent costly surprises and ensure your pet gets necessary care without undue stress—something we’ve learned in our 17 years of experience in pet insurance.

2. Understand coverage Limits

Coverage limits are a critical aspect of any pet insurance plan. These limits define the maximum payout for claims, either annually or over your pet’s lifetime. For instance, Pet-n-Sur plans include options with varying limits:

• Titanium Plan: $18,000 annually
• Platinum Plan: $9,000 annually
• Rhodium Plan: $6,000 annually

3. Consider waiting periods and exclusions

When signing up for pet insurance, it is vital to consider exclusions and waiting periods. They directly impact when and how your coverage kicks in, as well as what treatments or conditions are not covered.

So, what are exclusions exactly? Exclusions are specific conditions or treatments that the policy doesn't cover, such as pre-existing conditions or health problems your pet had before taking out insurance.

In contrast, a waiting period is the time you must wait before your cover becomes effective. For example, when you start a policy with us, there is a 21-day stand-down period for medical treatments and a 7-day stand-down period for accident-related treatments from the day your cover commences. However, when your policy is renewed, the stand-down period is waived.

4. Think about preventive care coverage

When you're looking into pet insurance, examine if the policy or plan covers getting your pet neutered or spayed, and vaccinations. This means you can take care of your pet's health without paying for everything on your own. Combining pet insurance with preventative care is really important for keeping your pet healthy.

5. Decipher the payment process

Unlike other types of insurance, pet insurance typically requires you to pay upfront and seek reimbursement. Familiarise yourself with your chosen insurer's claim process, including typical reimbursement timelines and what percentage of costs are covered. This understanding will help you manage finances effectively when care is needed.

6. Evaluate customer reviews

Customer testimonials and reviews such as google reviews provide insights into the insurer’s service quality and reliability. Look for patterns in feedback that indicate strong customer service, speedy claims handling, and overall satisfaction. Remember, a large volume of reviews generally provides a more accurate picture.

7. Consider additional coverage options

Explore additional coverage options, such as dental care and alternative therapies. Depending on your pet's needs, these extras can be beneficial in providing comprehensive care, especially dental care. Oral health in our furry friends is a problem - 85% of our cats and dogs aged four and older have dental disease.

8. Emergency and specialist care inclusions

Look to see if emergency care and visits to specialists are covered. These situations can be particularly costly, and having insurance that supports you during unexpected emergencies ensures you can make decisions based on your pet's health rather than financial constraints.

Wrapping it all up

Choosing the right pet insurance is a crucial step in securing your pet's well-being. By considering these key tips, you're not just getting insurance; you're investing in a plan that complements your commitment to your pet's health and will provide you with peace of mind.

Looking for the best way to protect your furry friend?

Contact experts from Pet-n-Sur today and discover how you can protect your beloved companion. Alternatively, you can visit our plans page to find out more about the details of the plans we offer.