Pet insurance checklists can help you make the best choice of health insurance for your pet. We often use reviews to help us find the best of something. Think of the power of Oprah’s book club: When she reviews a book, it’s almost guaranteed to be a bestseller. People listen to reviews. Think about the last time you went to the movies without having read at least one review of the movie you are going to see. This is the power of word of mouth. Advertising agencies have capitalized on this for years, but that doesn’t reduce the value of a personal testimonial. When it comes to pet insurance reviews, there are two basic forms: the pet owner’s testimonial and the industry expert.

When a pet owner gives a pet insurance review, it’s usually in response to personal circumstances. Often, that owner’s pet has undergone treatment for illness or accident and the pet’s insurance has worked out well or left the owner feeling disillusioned and angry. Either way, the pet owner will create an emotional story detailing her experience with the pet insurance company. It is sometimes difficult to gain an objective view of the insurance company from these testimonials, which by their very nature are intensely subjective.

Another type of pet insurance review comes from an industry expert: a veterinarian or pet care specialist. These reviews are often written from the perspective of multiple interactions with the insurance company. Clearly less emotional, these reviews can sometimes seem aloof and dispassionate, more concerned with facts and figures than real-life situations. However, the benefit of expert opinion is the thorough nature of the investigation. From these reviews, you’ll learn about payment limits, hereditary exclusions, and other conditions that can limit a policy’s value.

In the end, checking both personal and expert reviews will give you a balanced view of the pet insurance company and the policies they offer. You can find these reviews on the Internet and in pet-related magazines. You can also ask your friends, neighbors, and your vet to provide you with personal reviews to complete the view you’ll collect from published reviews. When you’re shopping for a policy, reading a pet insurance review or multiple reviews about the policy you’re considering will help you make an informed and educated decision.

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