Pet Insurance for Your Dog

Choosing the Best Pet Insurance for Your Dog

Every pet dog serves a different role in every household. Some serve as guard dogs while others are dressed-up and are well-pampered, but whatever role they play, dogs are very helpful and enjoyable house companions. A good owner should know better than ignoring his/her dog’s well-being.

Nowadays, there are various existing pet insurance policies that you can buy. However, just like for us humans, there are considerable circumstances which make one insurance plan better than another. Here are some things that you may consider in choosing an insurance plan for your pet dog:

1) Financial concerns are always a good place to start. First of all, consider your budget for your pet. For instance, how much have you been spending for its regular vet visits? Do you have money set aside for your buddy if a sudden disease or an accident occurs to it?

There are specific insurance plans for all your financial needs. Few plans can actually cover 100% of your expenses; however, there are plans which can offer you discounts or reimbursements for every vet visit and the like.

2) Another consideration should be the medical history of your pet dog. There are plans that do not cover pre-existing diseases so you must make sure to familiarize yourself with the terms of an insurance plan before buying it. You have to make sure that all of your pet’s medical needs, or most of it, can be covered by the plan so you can be confident about the well-being of your friend.

3) Third, consider your dog’s breed. There are breed-specific exclusive plans. These are usually breeds that have genetic or breed-related diseases, or working dogs that are more prone to age-related illnesses like arthritis. Although it is simply inhumane how people have created such discrimination against innocent dog breeds, you must accept that this is a reality. Figure out if your dog is part of this list and do your best to find a plan that does not exclude them.

4) Consider external factors, like your dog’s common habits such as biting and swallowing foreign objects. If your dog has these sorts of mannerisms, make sure that the policy also covers the medication when something wrong happens. Some plans also cover subsidies for other unwanted or sudden events like your dog attacking other people, or for board and lodging when you need to be elsewhere and you can’t bring your dog, like the hospital.

Pet Insurance

What Pet Insurance Will Benefit You With

Pets are loved by people, but we still need to take care of them. Rarely does pet insurance arise when people are discussing the important subject of insurance. Many of the people often associate policies to life, health, car or home insurance. However, for those who own pets, and particularly dogs or cats, it is a great idea for them to seriously consider it for their beloved pets. There are many benefits generated from having a policy for your pet, including:

· The insurance policy is relatively affordable

Pet insurance is inexpensive and easy to obtain. This is one of the reasons why pet owners find it enticing. Nevertheless, different companies charge different prices. Furthermore, the price is largely predicated on many other factors such as the coverage benefits, length of the policy, the insurance company’s issuing policy and the different deductibles, etc. In spite of these factors, the packages are affordable, cost efficient and easy to find. When you engage wise purchasing strategies and some research you will be in a position to find the right policy. If you consider the strategy of comparing insurance, you will be able to find an inexpensive insurance that helps you to maximize on cost efficiency.

· Easy process of approval

It is easy for any pet to receive the policy that is very important for the pet owner and the pet. It is possible the pet could be healthy and appears active for now. However, as time passes and it ages, health complications are likely to arise. Therefore, the easy process of approval offered by insurance companies is particularly helpful. This will go a long way in ensuring the costs of medical attention is catered for.

· Easy to find an all inclusive coverage

Another benefit of the insurance is the fact that it is not too difficult to find the right coverage for your pet. It is common for the insurance companies to offer covers on different types of procedures, medications and medical visits. Some of the pet owners’ argue an all inclusive insurance is not effective considering its cost would fail to offset the visits to the veterinarian- often undertaken once a year. This may be rue to some extent; however, the main reason of purchasing insurance for your pets is to cater for the costs that arise when the pets suddenly need treatment as a result of an illness or other medical procedures. Therefore, an all inclusive coverage comes handy in such circumstances.

Pet Insurance

How to Find Pet Insurance for Your New Kitten

Getting a new kitten involves a bit of preparation – getting food and water bowls, sorting the location for the litter box and their bed, picking a range of toys. Ill health isn’t something that you think about with a kitten but it prepares to be ready for the unexpected. For that reason, on your to-do list for the kitten’s arrival should be getting pet insurance in place.

Why insure a cat?

As a rule, cats are less prone to health problems than dogs and those that spend their lives indoors are less so again. But there is always the unexpected factor and illness or injury can attack any animal, regardless how safe its environment.

The quality of the vet service in the US is among the best in the world but this doesn’t come cheap. This means that a visit to the vets can be costly and unless you have a reservoir of money saved for this, can cause real problems. Vets have known cat owners having to miss out on treatment or go into debt to pay a bill.

What does it cover?

Pet insurance is like many other types of insurance – there are a variety of products with different levels of cover and different benefits. From one state to another, there can be changes in what is covered and of course the price. In fact, apart from California, there isn’t even statewide regulations about this type of policy so checking the fine print is important.

The basics of the cover include elements such as illness and accident but don’t cover annual reviews or check-ups as well as the cost of vaccinations. Some policies may cover if the cat goes missing or causes damage to a third party as well as even money to help advertise for them if they run away. But with most policies, you can pay for as much or as little as you require.

You can also get different levels of how much the policy pays out – this can be 80%, 90% or 100% of the bill. So the bill could be $1000 and if you choose the first level, the insurance company will pay you back $800 or $900 on the second level. The more money you are refunded, the higher the premium the insurance company will take for it.

Other options

If you don’t like the idea of pet insurance, you can always take the self-insure idea. This involves setting up a bank account for the purpose, putting a set amount into the account every month and not touching it for anything apart from emergencies or illnesses. Don’t use it for normal check-ups or to buy stuff the kitten needs – save it and hope you don’t need it until there is plenty of money in the account!

Whatever option you choose for your kitten, it is important to start the plan as soon as the kitten arrives. While that cute little face will bring you love and affection, it can also bring you a very big vet’s bill and it is best to be prepared for it.

Insurance Company

Why Not Be Your Own Pet Insurance Company?

It is midnight and you are at the pet emergency hospital with your dog. It turns out he did break his back leg and it requires orthopedic surgery. The surgery will cost $2,500 with hundreds of dollars in after care and physical therapy. Sound familiar or scary? That is why the pet insurance business is one of the fastest growing pet related industries.

How Pet Insurance Works
Pet insurance companies are not charity groups that seek to help you out in times of financial need. They are profitable businesses. The reason they are profitable is that they know the risk of a payout to pet owners is less than the money that they receive in total monthly premiums. They also know that the odds of your pet needing extensive care when they are young is so low that you will have paid more than enough in monthly premiums by the time they need to payout in the pet’s later years. Why not take advantage of the same facts? Be your own insurance company and retain any unspent money.

Pet Savings Accounts
Quality pet insurance policies range from $35-75 per month depending on coverage and deductibles. Why not put that same amount in a savings account for your pet(s)? In one year the account would be worth $420-900. According to the American Veterinary Medical Association pet ownership statistics, the average household spends only $378 annually for dogs and $191 annually for cats in veterinary care. Your account would easily cover these expenses.

Over the life of your dog, the account would grow to ensure care in the pet’s later years. If you considered yearly exams and vaccines as “a deductible” and paid them out of pocket instead of the account, especially during the early, healthy years of your pet, the account would even be larger in the later years.

Another way to protect your pet savings account in the early years is to consider the addition of a “catastrophic” pet insurance policy. These are less expensive than major policies and protect against a serious injury or disease. Eventually the policy can be dropped as the saving account grows.

Analysis of pet insurance policies in Consumer Reports agrees that self-insured pet plans are superior. The odds are in your favor that your pet savings account will have money left after your pet is deceased. You retain the money that would have been spent as monthly premiums and profits for the insurance companies. Feeding a quality diet and maximizing your pet’s health will also minimize veterinary bills and increase the value of your pet savings account.

Pet Health

Pet Health Insurance – What It Is and How It Is Beneficial

Pet health insurance is the one which only provides you money for issues related to healthcare. It will not provide you money if your pet is missing or if it damages property. It is a simple process where you need to pay a deductible annually, and you can claim money when you need a large amount of money for your pet’s treatment. There are different organizations where you can get it done, and the rate varies from one to another. In some organizations, it starts from $19 per month.

Let us go through the things which pet insurance covers and the ones it does not cover.

A pet health insurance covers the following areas:-
• Vet Fees
• Surgery Costs
• Medicines
• Cancer treatments
• Medical Tests
• Alternative Treatments like homeopathy
• Vaccinations
• Oral Treatments
The areas which are not covered by pet insurance include:-
• Pre-existing Diseases
• Vitamins and Supplements
• Food

What is the process involved?
To get a pet insurance done, you need to choose an organization first. You need to fill up a form specifying your personal details and details regarding the pet. They will discuss the policy and its terms with you. If there are multiple policies available, you can choose from them according to your convenience.

Here are some of the standard policies:-
• Lifetime Insurance: – In, this type of insurance, you are offered a payment every year. You can renew the policy and the amount then gets regenerated.
• Limited-time Insurance: – Here, the amount you can get can be covered within a certain period. After that time is over, there will be no value to your insurance.
• Maximum-amount Insurance: – Here, an amount is specified which you can get for the coverage of the bills. There is no time limit, you can avail it anytime, but you will not get more than the specified amount.
• Accident-only Insurance: – This type of insurance is valid only for accidents that your pet might come across.

Benefits of getting a pet insurance done:-
By getting a pet insurance done, you get a significant amount of money paid against your veterinary bill by paying a lesser amount on a monthly basis. So, it is more economical. Also, during times of emergency or accidents, it is not easy to arrange for a huge sum of money. If you have a pet insurance done, it becomes easier for you to arrange it since most organizations bear about 80% of the total expenses (depending on certain conditions). It gives you a sense of relief and satisfaction and proves your responsibility as a pet owner.

Apart from covering the serious diseases, a pet insurance also provides money for routine wellness care. If the conditions recur, they pay your bills, and you don’t need to pay any additional costs for this.

After you get the insurance done, you can go to any vet of your choice. You can also go to specialists, physiotherapists, or medical stores. It does not matter for the companies where you are going. They are ready to pay the bills based on certain criteria.

The difference between a pet insurance company and HMO
A pet insurance company allows you to go any vet or hospital of your choice, unlike HMO where particular hospitals or medical centers are specified.

A pet health insurance can be sub-divided into dog insurance and cat insurance. The coverage is almost similar in both the cases. These are the two general categories which people prefer for insuring their pets. However, there are also provisions for insuring birds like parrot or birds of prey and also other mammals apart from cat and dog. Reptiles and some exotic species can also be insured.