Pet Insurance Basics, in Plain English

10 Questions to Ask Before Buying Pet Insurance

1. Accident-only, or accident and illness?
2. Deductible: per year or per condition?
3. Reimbursement percentage?
4. Annual or lifetime payout limit?
5. Waiting periods for illness and orthopedic conditions?
6. How are pre-existing conditions defined?
7. Hereditary/congenital conditions covered?
8. Age limits for enrolling?
9. Is the wellness add-on insurance or a separate program?
10. Where is the insurer's disclosure of important policy provisions? The model act requires insurers to post it on their website (NAIC Model Act).

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