If you have a pet, you need to pay pet insurance. It is a required expense, especially if you want to make sure that your dog’s or cat’s pet care needs are met. You just need to find an insurance package that will cover your pet sufficiently. Therefore, you need to survey each insurance option carefully.

For example, you can choose from routine care, accidental injury, or medical cover. If you choose all three types of care, you can buy a comprehensive package. Reduce the premium you pay by taking out larger excess. For instance, if you feel that you can afford to pay $200 out of pocket for your pet’s treatment, you can save money monthly on pet insurance cover options.

Discount Your Insurance Rates When You Own More Than One Pet

You can also reduce the amount you pay if you have more than one pet in your household. For instance, you can deduct as much as 5% for each animal. If you own a cat and dog, you can discount your insurance by 5%.

Overseas Pet Care

Maybe you like to travel. If so, you need to find out about optional benefits such as emergency boarding costs and overseas pet travel insurance. These additional benefits fall under accidental injury cover. If your pet is boarded, make sure that the site is licenced to receive benefits.

You can take care of eligible vet expenses too by adding overseas pet insurance to your policy. All eligible costs are paid by the insurer if you take your pet with you on holiday. This insurance only covers animals that do not have to be quarantined upon returning to Australia.

What Are Your Questions About Complaints and Claims?

Whilst filing insurance, you may have questions about complaints or claims. If so, you usually can get these questions answered on the insurance website. Any disputes can be handled by contacting the company. If you cannot get anything resolved by calling the insurance provider, you should mail or fax a letter to a complaints officer. You can also email a letter as a follow-up. Always make sure that you save the copy for future reference.

Mailing in the Claim

If you need to make a pet insurance claim, you generally will download the claim form from the pet insurance site. Next, you will complete and sign the documentation. Your vet should complete the second part of the paperwork. Attach all the receipts and invoices to the claim and mail the form to the insurer.

Submitting a Claim Online

You can also submit a claim online. In this case, you will upload the invoice and vet’s consultation notes. If you are submitting a claim for the first time, you need to provide your dog’s or cat’s medical history from your current vet as well as previous vets.

As you can see, submitting a claim, whether off-line or online, is pretty clear-cut. You can more clearly understand the services offered by an insurer by submitting a claim. Knowing what steps to take for claim submission is best way to communicate with your vet and insurance company.