Compare insurance plans

When a client asked Dr. Jennifer Emerson of Adel Veterinary Clinic in Adel, Iowa, about pet insurance, she realized she didn't know enough about it. So she explored the plans and picked one she thought was the easiest to understand. Here are questions you—and your clients—can ask about prospective plans:

• Can you use any veterinarian?

• Does the policy cover a particular pet's medical needs?

• What are the policy's conditions and exclusions?

• Does it offer a multiple-pet discount?

• Does the plan cover any congenital or pre-existing conditions?

• What is the waiting period?