What is pet liability insurance, and do you need it? The answer depends on what…
Pet insurance ratings are used these days by many people to help them make a choice between the different insurance companies that offer plans for pets. But are they reliable? How much should you trust them when you are shopping around for a pet insurance plan?
In theory, pet insurance ratings and reviews are given by consumers who have tried pet insurance and want to report their experience to other potential users. They can be very useful, a little like getting a neighbor to tell you what he thinks of his insurance company.
However, it is important to remember that they are subjective. Each rating that is submitted is just one person’s view. It may not be a balanced view. It could even be untrue. Staff could go online and post positive reviews of their company or negative ratings of competitors. If they were feeling unhappy at work, they might even post negative reviews of their own company!
On the other hand, most ratings are made up of the opinions of a number of different people. So it is clear that you can have much more confidence in them if the rating is calculated from thousands of consumers’ opinions rather than just a few.
If you are a member of any online forums, you probably know that people often come to the internet to vent and rant when they are feeling frustrated with something in their lives. This is true of pet insurance just like anything else. People are probably more likely to leave a rating for any type of product or service when they have had a bad experience. If they have had a good experience or an OK experience, they do not necessarily bother to tell others.
So when you are reading pet insurance ratings online, keep in mind that they may be skewed toward the negative.
Another point to remember is that not everybody will be looking for the same things that you are. A company could have a plan that would suit one person just fine but another not at all. So even if somebody rates a company 5 stars, it does not mean that they will have the product or service that you want.
It is much more useful if people post individual reviews instead of just a numerical rating. Then you can see why everybody felt the way that they did.
Where To Find Pet Insurance Ratings
You will find consumer ratings for pet insurance companies on specialist sites that compare the market for this and other products and services. Just keep in mind that you should not use consumer reviews as your only reason for deciding to go with a pet insurance company.
You will also need to look carefully at what they offer, including reading their policy document which most companies put online so that you can check it before you sign up. Do not pass up that opportunity. Pet insurance ratings are not the only way to evaluate the service that a company offers.