Insurance for your pets

Health Care Insurance Plan for Pets

petsarebest — Fri, 20 Feb 2009 05:14:03 +0000

With the spiraling costs of vet bills it isn’t a surprise that more people are opting to take out one of the pet health care insurance plans to protect the families pets against the unexpected. For a lot of pet owners that don’t have insurance in force a routine operation can often prove to be a very costly endeavor. There are various levels of cover to choose with pet insurance so be certain that adequate protection is in place. Some of the typical features to a pet insurance plan includes vet’s fees up to a stipulated amount for the lifetime of the insurance, public liability coverage, death by illness or accident, loss by straying or theft, fees to cover boarding at the kennels, and coverage for prescription food. It’s also essential to review the main restrictions to these pet insurance schemes. One of the main restrictions to note is the age limits. Some plans will cover a dog or cat aged 5 weeks to 10 years on a standard policy, and provides coverage for an illness or injury up to 12 months from the date that the treatment started. While a lifetime scheme will be a necessity to offer long term coverage, such as cases of chronic or recurring illnesses. These lifetime schemes will remain in force for the life time of the pet as long as the renewal premium is paid in a timely manner. There’s also those dog breeds that not all insurers will agree to cover, such as the American Pit Bull Terrier or Wolf Hybrid and those used in trade or business, such as a racing Greyhound for example. In order to obtain a low cost or more affordable pet insurance coverage take the time to comparison shop with several of the top companies and see what discounts or special offers are available. Discounts to be had include insuring more than one pet with a single insurance provider – this can give a 10% – 15% multi-pet discount, and accepting an online quote can result in a further discount on some sites. Its always best to be prepared for the worst and to avoid those unexpected vet fees with a suitable pet health care insurance plan. And insuring your pets can also give that extra peace of mind.

Is Pet Insurance a Good Idea?

petsarebest — Fri, 14 Nov 2008 17:55:50 +0000

You are probably aware that there is insurance available for almost everything, and the family pet is no exception. People might think that pet insurance is a needless frivolity only to be indulged in by the overly rich or the overly lonely, those people who can afford to indulge their pets as though they were children. In this article, we will take a look at why pet insurance should appeal to even the most practical pet owner.

Pets are worth money

It is more than likely that in order to obtain your pet, you paid a certain amount of money to another party. Right away, you have made an investment. Although it may not be an investment that you are likely to turn into profit, the fact is that you want to make sure that you protect the value of your purchase. Some pets, of course, are worth more than others; horses, purebred dogs and cats, for example, represent a significant investment on the part of the owner. It’s an investment worth protecting through insurance.

Pet ownership invariably means vet bills

A lot of pet owners think that they can just let an injury or sickness in a pet run its course, but the fact is that we all get attached to our pets and are not likely to let them suffer when ill health occurs. Veterinary bills can run up very quickly, so it is in the best interest of the pet owner to make sure that they are covered both for check ups and treatments or operations that may be needed.

Pet insurance is inexpensive

As with most forms of insurance, pet coverage has this in its favour: compared to the cost of footing the veterinary bill or swallowing the loss of a particularly valuable pet, the cost of insurance is very cheap. Almost all pet owners can count on one trip to the vet over the course of their pet’s life, so it only makes sense to have the costs covered through a good pet insurance provider.

You probably don’t think of yourself as a pampering pet owner, but pet insurance just makes sense for anyone who has an animal friend. You will want to make sure your pet is properly cared for, and insurance means you will have something to set off the cost of veterinary bills.

The Benefits Of Pet Insurance

petsarebest — Mon, 20 Oct 2008 18:38:52 +0000

Owning a pet can be far more expensive than most people realize. There are shots and physical exams, regular medications to keep them pest and parasite-free, boarding fees for those times we go on vacation and the unexpected expenses of illness or accidental injury. Despite all that, most pet owners will tell you unequivocally that their pet is worth every penny spent on them. Even if your pet is worth every penny you spend on health care – and then some – wouldn’t it be nice to spend less on caring for your pet’s health? With pet insurance, you can.

Whether you think of your pet as a valued possession or a family member, pet insurance only makes sense. Pet insurance offers many benefits beyond cutting costs on health care for your pet. Depending on the policy you choose, your pet insurance could also cover many of the common expenses of owning a pet.

Health Care for Your Pet

Few pet insurance policies cover routine care for your pet, but some do. In general, you will have to pay for regular physical checkups and shots. Beyond that, though, pet insurance will help pay medical expenses for illnesses and accidents. While few pet insurance policies will pay the entire medical bill if your pet becomes ill, it can be a hefty savings for you.

Pet insurance works just like health insurance for people. You pay a monthly premium to insure your pet. The insurance company pays out if your pet becomes ill or is injured. The average pet insurance policy will cost you less than $300 a year. If your pet is diagnosed with a long-term health condition, the health insurance will cut your vet and medical bill by thousands of dollars.

Many insurers do not cover hereditary conditions in breeds that are prone to them, so it’s important to check the fine print of the policies you choose carefully. Similar to human health insurance, most policies also do not cover pre-existing conditions, so again, be certain that you read the fine print carefully.

Accident Insurance

Illness is only one of the medical expenses that your pet may require you to spend. Pet owners in the US spend nearly $11 billion a year for medical treatment for pets who have been injured in accidents. It can cost over $3,000 to treat a broken hip incurred when a dog is hit by a car. If your pet swallows a foreign object that becomes lodged in his intestines, it can cost over $2,500 to remove it. Even after you subtract required co-pays and the percentage of the bill that your policy may require you to pay, a pet insurance policy can save you thousands of dollars in care over the course of just one accident.

Other Benefits of Pet Insurance Policies

Many pet insurance policies provide other benefits besides health and medical coverage. Some of the other benefits that you might find included in a pet insurance policy include:

Pet recovery expenses
Most pet insurance policies pay out a benefit to pet owners if their pet is lost. The pet recovery benefit will usually cover the cost of placing advertisements in local newspapers and copying expenses for posters advertising for your lost pet.
Insurance against theft
If your pet is stolen, some pet insurance policies will pay you the value of your pet. It won’t replace your pet of course, but it can help console a heartbroken child with a new kitten.
Death benefit
Your pet insurance policy may pay for burial or disposal of your pet’s remains if the animal dies while covered by the insurance policy.
Medical expenses for someone injured by your dog
If your pet injures someone other than a family member or household resident, pet insurance may cover medical expenses for their care. In most cases, there is a cap on the amount paid out for this benefit, just as there is with most other benefits.
Property damage caused by your pet
If Rover digs up your neighbor’s rosebushes or damages your rented apartment, the reimbursement for the damages will usually come out of your pocket. Many pet insurance policies will pay a percentage of those damages.
Boarding if you become ill
The last thing you should have to worry about if you become ill is how your pet will be cared for during your hospitalization. One of the lesser-known benefits offered by many pet insurance policies is a boarding benefit that will cover part of the cost of boarding your pet if you are hospitalized for an illness.

Pet insurance: Show love and care towards your pets

petsarebest — Thu, 25 Sep 2008 13:42:59 +0000

Today’s populace believes in leading a pragmatic lifestyle, where all efficient arrangements have been made to stand against any kind of unexpected trouble and incident and the most suitable example of such precautionary measures is insurance policy. Nowadays, almost every human being is securing the advantages of life insurance and medical insurance policies so that in future, they can easily deal with the unfortunate moments in a more planned way. Similarly, for pet owners, their pet is no less than a family member and as it is extremely painful to see your loved ones in pains, most of the intelligent pet owners are now opting for fruitful pet insurance schemes to secure a happy life for their pets.

It is true that pet insurance plans are designed for ensuring a healthy and comfortable life of your pets but you are the one who will gain maximum financial benefits from it. Right from the elementary requirements of your pet such as routine check ups, vaccinations and nutritious diet to extra, expensive needs like proper grooming and etc come at a cost. Hence, even if you maintain a separate monthly budget for your pets, it is not always feasible to estimate the exact expenditure for unforeseen problems. At such circumstances only, pet insurance will offer your considerable monetary support that will allow you to make no compromises with your budget as well as with your pet’s requirements. Decent insurance plan for pets from any good and reliable company offers the mandatory coverage for each and every conceivable incident that you may have to encounter because of your pets and in return, you just have to pay a nominal premium which will be easy on your pocket.

Nowadays, several good, reliable and affordable pet insurance plans are available in the market. These plans cover all the expenses of regular check ups and vaccinations, treatment for diseases of your pet which at times may be complicated as well as expensive, accident related injuries along with illness care. On the other hand, many times it happens that your pet gets lost or stolen. In such cases also, the insurance will cover the charges of putting pamphlets and advertisements in the newspaper and television. Moreover, these policies also offer various levels of expenses depending upon the cost. So whatever may be the need of your pet, you can stay assured that you will find a plan that suits you.

It is important for all the pet owners to consult their vets before taking any insurance plans for their pets. Even your friends who have already taken such kind of plans can offer qualitative information about the various insurance policies and their procedures. Basically, any pet insurance plan is recommended to an individual only after analyzing the breed, age, gender and medical condition of his or her pet. Hence, once you get worthy options in your bag, try to opt for the best insurance service that suits all your requirements and offer good premiums and coverage for various needs of your beloved pet. Hence, with just little of efforts, you can actually make your pet’s life healthier where finances will stand as a problem in providing the best care for your pet.

Insurance for your Pets

petsarebest — Thu, 18 Sep 2008 18:11:15 +0000

Everyone knows how important it is to have health insurance for themselves and their family. Many do not even think about pet insurance until they have the option of spending $2,000 on your pup that just got ran over or putting the puppy down. At some point and time your pet most likely will need a major surgery. It may develop cancer or drink leaking coolant from your car.

As an animal lover I really hate to see dogs and other pets that can be saved but the owner just can’t spend the money upfront to save their loving friend. For the last 5 years consumers have spent 15% more each and every year on their pets. That’s 100% more you spend then 5 years ago. The cost of a good vet has risen close to this as well.

Is Pet Insurance new?

Animal insurance or most often referred to as pet insurance has been around for many years now. In fact over in the UK 1/3 to half of all people in some areas have pet insurance on their pet. Getting insurance on your pet puppy is an investment. Your dog may never get sick but if he does then the insurance will offset the cost of major surgeries. With Every insurance policy you need to do a little research. All puppy breeds and pet breads have different traits and the rate for one pet will be different then another. You need to find out ahead of time what the insurance will cover. Will it cover regular checkups? What type types of surgery the insurance will cover and hospital stays? What is you co-pay?

Insure Your Puppy or Pet When They are Young

When puppies are young or any pet you are more likely to get a better deal. If you get insurance later in the dogs life the price will be more because adult dogs are proned to more health issues just like humans. If you are looking at saving a few bucks I recommend getting insurance that does not cover the regular checkups. This normally drops the price in half. Yes you would still have to pay for the checkups but at the same time you are balancing out your costs if the pet never ends up needing surgery.