Can someone working with Odie afford it? That is a question many owners ask after they see their pet insurance premiums skyrocket. This type of insurance for dogs is very affordable, but there are exclusions and limitations that can make your policy more expensive than you realize. There are also other factors to consider besides the company’s business hours when you are searching for coverage for your pet. The following are some things you should consider.
How business hours work for your insurer will depend on several factors. For example, some companies offer their policies during regular business hours while others work on an “off premise” basis. If your pet insurance company offers off premise policies, the cost will be higher because there are fewer hours during normal business hours. In contrast, if you purchase your insurance policies during regular business hours, the cost will be less because there are fewer hours. You can also save money by purchasing your pet insurance policy on an “as needed” basis, which means that you only pay for coverage when your pet needs it.
Do you know when the company’s business hours are? Some insurers list their business hours on their websites. If your insurer does not have this information, look for another insurer. Odie’s hours are always 8 a.m. to 5 p.m. This is the typical business hours for the Pet Insurance Company, which has offices in Alabama, Florida, Georgia, Maryland, Ohio and Washington.
Is your pet covered if you are away at work? Many companies require their policyholders to purchase extra coverage if they are on extended leave from their jobs. If you are out of the country on vacation or business trips, check to see if your pet is covered by your pet insurance. If not, you may want to consider purchasing additional coverage.
Does your employer carry pet insurance? If your company provides this type of insurance, ask about a referral bonus. If your boss allows it, make sure to use it. Referrals get you very good rates. If your boss does not offer this perk, look for a company that does.
Do you belong to a union? Unions are very strong in bargaining for better insurance rates. If your company is one of them, you will likely get a lower premium than you would for someone who does not belong to a union. However, there are still many options available if you cannot join or afford the union. Check with your insurance agent for more information.
Do you employees need a referral bonus? Ask your HR department to create a policy that offers this benefit to all employees. Many carriers automatically offer this to all new employees. If your company has older employees, consider offering them this option. They may be pleasantly surprised at the low cost and the peace of mind that comes from knowing their company is watching out for them.
Once you have checked these factors out, it is time to check out how much coverage you will need. Work with Odie to find a policy that fits your unique needs. This will ensure that you get the best care for your pet. Many policies allow up to forty-eight hours of care. The more time you can devote to your pet, the better your care will be.
What other benefits do you want to be able to provide? Some policies allow for home visits, health examinations and preventative services. Does your policyholder deserve to know if there are any issues with your employees, such as a history of alcohol abuse or mental illness? If so, add these things to your policy. If you work with an employer, you may be able to get your policy added in to his package.
Finally, consider how easy it is to cancel your Oggie plan. Does it require a phone call to the customer service number or any other unreasonable process? Does it require an appraisal by an independent veterinarian? These policies often allow for very simple cancellations, which can be done in person or online. When you work with an employee, you can give him a simple slip of paper containing the number to call, and he can cancel the policy at any time.
It’s really important to work with an insurance plan that you can easily cancel. You don’t want to end up tied to an employer-sponsored plan, only to discover that you will have to pay premiums month after month. If you want to avoid extra costs, read your policy carefully and contact one of your agents if you have any questions. Also, if you work with an employer, you may be able to work out a cancellation in order to avoid extra time from your regular workload. It’s better to get started sooner rather than later.