The following are a list of questions that you may want to consider in selecting your provider. Remember, that your personal needs are the important factor - some of these issues may not be concerns for you. In that case focus on your own priorities and needs.

Will they cover treatment of a pre-existing condition?

This varies with pet insurance companies and among different policies. If your pet has a pre-existing condition, such as diabetes, you may be limited in the policies available to you. Be honest with your provider about your pet's current state of health and learn more about what medications and procedures they will cover.

Do they have a time limit on covering treatments and medications?

Some providers will only cover the medication and treatment of an illness or injury for a limited amount of time; a common length is 1 year. This means that if your pet develops a chronic disease that will require life long medication, you may have to cover the full cost after 12 months.

Do they have an age limit?

Some providers automatically end coverage at a certain age, which varies between species and breeds. Other providers will continue covering an animal for their entire life, but will not initiate coverage after a certain age. This means that you must be diligent in renewing your policy or you could risk losing coverage.

Which treatments are not covered?

When asking this question you should not worry yourself with obscure or rare medications and treatments, but instead think about things that your pet could realistically require. For example, do they cover overnight veterinary care? Dental procedures? Cancer treatments? Some companies even provide limited coverage for alternative treatments such as animal therapy, homeopathy, and massage.

Will they pay you or will they pay the vet directly?

Some providers ask that you pay for the treatment or medication, and then file a claim for reimbursement; while other providers will accept a claim directly from the vet. The style that is best for you will depend on your personal circumstances and your relationship with your vet.

What is the time limit to make a claim?

Be sure to know the time limit for making a claim or you could risk missing the opportunity to be reimbursed. Some providers ask that all claims be made within a short period of time. Others allow you to place all of your claims for the year at one time. Consider your own financial situation and how much time you want to spend on paper work when evaluating this characteristic. Whether you intend to travel with your pet or not, may also influence the time limit that you require.