A popular internet search phrase is:
However, the pet insurance policy with the lowest premium may end up being the most expensive especially if you have to file a large claim e.g. $5,000 or $10,000.
You may be thinking, "What can be more important than the premium?
The most important figure to look at when making the final choice of a company and policy is your total "out-of-pocket" expense including the premium. A number of other factors besides the premium will determine this and you'll need to do some calculations to determine this. Although the book has some tables that you can print and use while doing your research, I've prepared some Excel worksheets with built in formulas to automate some of the calculations for you.
Here is a link (out-of-pocket expense) that shows you how to use these worksheets.
These worksheets will also work with Numbers (spreadsheet program in iWork) on a Mac. You can also use them with the free Open Office spreadsheet Calc. Open Office is a free downloadable equivalent of Microsoft Office Suite.
Price of worksheets - $3.95
