Is Pet Insurance the Right Choice for Your Furry Friend?
Whether you have a new, younger pet or an older furry friend in the house, you may be wondering if pet insurance is worth the financial commitment. We asked Alyssa DeVito, Certified Sales Professional / Customer Service Representative at Allstate Cirigliano in Patchogue, to “shed some light” on how pet insurance works and what animals she enjoys on the job. better.
For starters, think about your pets and what type of blanket you might be interested in. For example, Allstate offers two types of coverage with very little difference; one covers more services than the other and includes grooming rewards and annual reviews.
“Basic coverage generally covers all sudden and potentially fatal expenses. For example, it covers the cost of cancer treatments and any emergency surgery for injury. All pet owners looking to earn incentives through annual exams and grooming should consider a more comprehensive package; However, the basic package is what we like to recommend to our customers, ”says DeVito.
Let’s talk about the costs. You may be surprised to learn that a dog’s breed and age will not result in denial of coverage, but it will affect the price of the premium. As an example, DeVito notes that the average monthly cost for a healthy young puppy is around $ 30 to $ 60 per month, but each breed is valued differently, so it can vary. And while age isn’t considered a factor in and of itself, keep in mind that if the pet already has a pre-existing condition, coverage may not be approved. “Whenever a policy is purchased, the company will request a copy of a dated physical document within 30 days of the initial signing in order to better assess the policy based on the health of the animal,” says DeVito. In addition, some companies such as Allstate will offer a 10% discount on multiple pets.
Many pet owners have nightmarish stories about their insurance company’s reimbursement process, but generally, once the pet is treated, the company will ask for all documents provided by the vet as proof of treatment and treatment. cost. Once the documents are filed and inspected by the claims department, reimbursement should follow shortly thereafter.
DeVito suggests doing your homework before choosing a font that’s right for your pet. “There shouldn’t be any fine print. These policies are very strong; they should list everything they do and not cover it in clear, bold text. At Allstate we try to make the owner understand this before purchasing the policy, to make sure they get what they are looking for, because at the end of the day our main goal is to make sure that the animals we love so much are protected as we protect ourselves.
For more information on Allstate pet insurance, contact the Cirigliano agency at 631-758-7225.
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