Best Pet Insurance In Ohio 2022 – Forbes Advisor

Price isn’t the only factor to consider if you’re shopping for the best pet insurance in Ohio. Other considerations should include:

Waiting periods for coverage

Typically, pet insurance plans apply a waiting period, which means you must wait for the coverage to begin. Waiting periods can range between a day or two to several weeks.

Since waiting periods vary by the insurance company, it’s wise to identify companies with shorter waiting periods. After all, you’re paying for coverage; you want to be able to use it as soon as possible. For example, Figo has a one-day accident waiting period, while Healthy Paws has a 15-day accident waiting period.

Also, watch out for extended waiting periods for conditions like hip dysplasia. If your pet is prone to these issues, you could have to wait months before coverage will pay for the costs associated with these conditions.

Discounts

You can save money on your pet insurance policy with companies that offer discounts. Common discounts include military discounts, annual payment discounts and multi-pet discounts when buying insurance for more than one pet. For example, Nationwide offers a 5% multi-pet discount and Prudent Pet provides a 10% multi-pet discount.

Routine care add-on

This protection helps pay for preventive costs and wellness care, such as an annual vet check-up.

Direct payment to veterinarian

Typically, you will pay the entire vet bill first when you visit the vet. Then you submit a claim and your pet insurance company reimburses you for its portion of the cost. However, some pet insurance companies like Trupanion will pay the vet directly if the vet has the compatible software installed. Buying insurance from a company that gives you this option will help minimize your initial out-of-pocket cost.

Extra pet insurance perks

From 24/7 vet helplines to special pricing at the pharmacy, pet insurance companies may offer a variety of free perks. For example, selecting a company with a 24/7 vet helpline will be valuable if your pet gets sick in the middle of the night.