The cost of providing health care in an emergency for your pet can only rise in the future and may very well have reached a level that makes pet health insurance a must for any pet owner. Many pet owners are recognizing that pet health insurance is a wise investment. The price of animal health care has risen roughly at the same rate as human health care. There are a wide range of plans available. Purchasing low cost catastrophic health insurance for your pet could save you lots of time and money under unforeseen emergent circumstances.

Devil is in the Details

Premier Pet Insurance offers four categories of coverage, each with its own costs, exclusions, waiting periods and limitations. Accidents and Injuries, Illnesses, Preventive and Advanced Care are the options for types of conditions covered. The website is simple and easy to use, but the link to the actual details of the policy are the important part of the information provided in the small print at the bottom of the opening page. The website also offers a quote process that the customer has to go through to get any sense of the cost for your particular pet. Pre-existing conditions are not covered,

Assessing Your Options

Premier Pet Insurance seems to use a fairly complicated model to create its various plans. The cost of coverage, the breadth of coverage, the out of pocket expense and deductibles (be they incident by incident or annual) are all relevant considerations. Premier Pet Insurance offers annual deductible rates and categories that represent different types of medical care. Taking the time to identify your pet’s health care priorities based on their age, breed and general healthiness will allow you to search more quickly and effectively for the right policy.  Also, the company was bought and the insurance product is produced and administered by the new parent company Crum & Forster Insurance Agency.