The first thing that you need to do is assess your needs and the needs of your pet. You should write down on a sheet of paper what exactly you require from your pet insurance. Some people want regular pet care to be covered such as routine check ups, vaccinations and teeth cleaning. Other people want insurance that will cover any damages that your pet may create, while others still want their insurance to cover any major illness of the pet such as cancer. However, it is possible that you may not find an insurance policy that will cover all of your needs, so you should consider prioritizing your needs. Be very clear as to what is the most important and what would just be a nice added bonus.
You can pick several policies that look good to you and ask your veterinarian about them. You should be sure that your veterinarian accepts certain policies. This may help to reduce the pile of the initial policies you have chosen. In addition they can also give you recommendations about companies they feel would service you well. Doctors don't want to deal with bad insurance companies as much as you don't. There is nothing more frustrating for a doctor when their payments are slow to come because the company isn't filing the claim very fast.
So now that you have your veterinarian's recommendations and you have a list of your top needs you can compare the policies that you have left. You can get a quote on these policies provided by various companies. Then all you have to do is compare the quotes and double check all the fine print so you are sure there will be no surprises. At this point you should be able to narrow your choices down to two or three companies. Then you should make an appointment with a representative to get some more information. You are then able to ask any questions that you still have about the policies and get clarification.
In addition the representative will want to ask you questions. You should be prepared to answer a variety of questions concerning your pet's health and history. After you have met with the representative you should have all the information that you need to make the right decision. Be sure that you tell representatives that you are talking with about other quotes that have been provided from other companies. This may want to make them reduce their rates for you so you will choose them.