Every devoted pet owner should know that the biggest bill that comes with the pet is from medical care. A pet can’t just be ignored when they are sick and medication can be very expensive. For that reason, many pet owners are using pet insurance to protect their pets from diseases without extra spending.

But choosing a pet insurance is not a walk in the park. There are some things or actions a person needs to avoid in order to make a wise decision in choosing pet insurance.

1. Pre-Existing Conditions – pet insurance is like regular health insurance. Your pet might be approved for insurance but your pet’s sickness might not be assisted because of the pre-existing condition. Read the fine print about this to avoid being scammed by health insurance companies.

2. Determine the Percentage of Payment - there are pet insurance providers that offer reasonable premium with a catch. More often than not, they only provide support for a certain percentage. This means you still have to spend more money when your pet is in an accident or contacts a disease.

3. Determine Cap in Supported Amount - another version of percentage is the cap or maximum support they will provide. This is very common and should be noted by the pet owner. This will also help you to know how much you might spend in case your pet gets sick and what type of support you can get.

4. Pet Insurance with no Dental – pet insurance is not just about the body. Pets that aggressively use their teeth should also have proper dental coverage. But instead of agreeing to look for a separate provider, the health insurance should also cover dental assistance.

5. Double check the Reimbursement Policy – there are health insurance companies that are confusing their customers on reimbursements. Get a straight answer on how you can prevent spending without being reimbursed. There are prerequisites and stages you should observe to avoid unnecessary spending.

6. Insurance with no Laboratory – your pet will always need laboratory for initial check-up. You may end up spending hundreds of dollars in laboratory even though your dog does not have any disease. This feature should be demanded or you can look for another provider that offers this type of service.

7. Support for Recurring Disease – it’s always important to know the common disease of your pet and have it covered. Never agree to one time support since this will only cause additional spending once the disease will resurface. Just like the previous tip, look for another provider if they do not cover the recurring disease.

8. Services that are not needed - pet owners always wants the best for their pets but the best is not necessarily the most expensive. Know what exactly you need for your pet and get an insurance that can provide fulfill those needs.

9. Increasing Premiums - read the fine print again for loopholes in premiums. Take note of this if the company will increase the premiums if your pet gets sick. Never agree to this offer since there will always be a problem in your pet which means your premiums will continue to rise.

10. Searching for Pet Insurance – time is never in your side when you’re looking for a pet insurance. Be intensive in your research so that you can find the right insurance before your pet gets sick. Ask your friends and family while doing enough research to choose the right pet insurance as soon as possible.