Before making your final decision on which insurance policy that you will purchase, ask the agent for names and phone numbers of people in your area that have previously sign with them. The agent should have no problem with securing the names of at least three people who are willing to speak to you and act as references.

Even if you purchase a lifetime policy for your pet, it might not cover your pet for all illnesses or injuries, or even until his or her death. Many policies have per illness limits or annual limits. In addition, some policies might have limitations on how much the pet is insured for over his or her lifetime.

Above all else, make certain that you check with your insurance agent to ensure that you know all aspects of the policy: benefits, limitations, and restrictions. If there is anything that you do not understand, ask as many questions that you need to fully comprehend everything before you sign anything.