Pet Insurance Broker

A pet insurance broker does a lot more than insurance agent does. A broker is more knowledgeable on the policies and has much more responsibility to help you choose the right policy for you and your pet.

An insurance agent normally works for a company, but can be independent. An agent generally only handles selling policies and basic customer service. And they generally do not make sure that you have the proper type of insurance or the correct amount of coverage.

So it's very important that you know the difference between a pet insurance broker and an agent. Also, in almost all states a broker is a much more highly regulated profession which requires special licensing.

How to find one

To find a broker in your area normally the easiest place to look is in the Yellow Pages or on the Internet. You might have to call several brokers in your area as most likely most of them do not sell pet insurance policies.

It can be easy to just buy a policy online through the Internet or by calling a company's 1-800. But by going through a local broker, they might be able to save you some money on your policy.

While saving a few dollars might not seem like a lot of money, over the months and years of paying your premium saving just a few dollars can really add up in the long run.

Remember if your pet insurance premium is $30 a month, and your dog lives for 10 years, that will add over $3000 to the cost of owning that dog.

So is important that you get the right policy for you and your dog, and generally only a broker will put in the time to make sure that you find the right policy. While an agent might be able to answer most your questions they generally do not do more than that.

Comparing policies

Remember if you are serious about getting a policy for your pet try to get a least three quotes from different companies. Your broker might be able to get three different quotes for you but if they can only furnish one you should try and get two other ones by yourself.

This way you know if you're getting a good deal or not. Remember don't wait to buy a pet insurance policy because of waiting periods and pre-existing conditions clauses.