What this worksheet is for
Use this before enrollment to compare the same coverage assumptions and catch exclusions that can matter later.
Keep the quote, sample policy, carrier email, or claim notice beside the worksheet so every answer can be tied to actual policy language.
Fields to complete
- Pet profile: species, breed, age, sex, ZIP code
- Plan type: accident-only or accident and illness
- Deductible, reimbursement percentage, annual limit
- Waiting periods by accident, illness, orthopedic, and other categories
- Pre-existing-condition and medical-record review language
- Exam fees, prescriptions, dental illness, rehabilitation, behavioral care
- Claim submission and direct-pay options
- Sample policy saved with quote date
Decision notes
| Question | Your note |
|---|---|
| What could make you choose a different plan? | |
| Which term still needs written clarification? | |
| Which document should you save before proceeding? |
Before you rely on the answer
Verify any unclear term in the current sample policy or with the carrier. If the issue involves a complaint or insurance regulation, use your state insurance department as the regulator starting point.