If you have dogs, cats, birds, fish, reptiles, or any type of pet then they are probably costing you money. Pets cost food, grooming supplies, vet bills, toys, training classes, and love! If you don’t want to spend thousands of dollars on pet care expenses, pet insurance may be what you need.
There are many different types of pet insurance out there. Each company has its own set of rules and regulations. But no matter where you go, you’re sure to find a policy that fits your needs. Here is how to find the best pet insurance.
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Introduction to Pet Insurance
Pet Insurance is a coverage plan that protects your pet’s health care costs. Your pet may not have health coverage, and the cost of serious illness or injury could put a financial burden on you or your family.
Pet insurance provides peace of mind knowing that if something should happen to your beloved dog or cat, you won’t be responsible. You know how much your dog loves to eat his favorite food – or maybe he just likes to hear the sound of dinner being prepared!
But if you own a large breed dog, chances are good he eats way too much. When he’s eating too much, it can lead to obesity. Obesity in dogs is linked to diabetes, heart disease, joint problems, skin infections and even cancer. Obesity isn’t always caused by overeating.
Sometimes, a dog gets obese just because they’re too big for their body type. Their bones might be too long for their frame, leading to extra weight around their belly. If you notice any of these symptoms in your dog, talk to your veterinarian about getting them weighed and evaluated.
Many veterinarians offer free annual checkups as well as wellness exams for pets who qualify at no charge. If you already have a policy, you’ll need to update it with additional coverages. And if you don’t currently have a pet insurance policy, now’s a great time to make sure your furry friend is covered!
Most insurance companies offer discounts for routine preventive vaccinations, dental procedures, preventative care visits and even emergency medical care. To get started, contact your local veterinary clinic or contact the American Animal Hospital Association (AAHA) for a list of certified veterinary clinics in your area.
Benifits of Pet Insurance
- Provides peace of mind knowing your pet is taken care of if something should happen.
- You have peace of mind knowing your beloved dog or cat is covered.
- Your veterinarian is paid directly by the company, not you.
- No deductible since the first $250 is always covered.
- You do not need to worry about whether your pet’s condition qualifies under any exclusions in their policy.
- Peace of mind knowing your pet receives prompt veterinary attention.
- If your pet gets sick or injured while traveling, you don’t have to pay out-of-pocket expenses.
- You can make sure your pets receive preventive medical care and vaccinations.
- Easy and convenient claims filing procedures.
- Pet owners can file claims online or over the phone.
- Claims are processed promptly.
- Payment is guaranteed within 48 hours of authorization.
- Coverage is provided throughout North America and many other countries around the world.
- Pets insured for less than three years may qualify for free annual exams.
Tips to select best Pet Insurance
- Selecting pet insurance: A good pet insurance provides coverage for illnesses, injuries, and accidents. It should cover routine care, emergency visits and hospitalization, boarding costs, medical procedures, and any accidental damage.
- Evaluating options: There are many different types of pet insurance policies, each with varying features and premiums. You may want to compare policies based on deductible amounts, type of coverage, payout amount, number of covered animals, and whether the policy covers veterinary expenses, routine care, or both. To learn more about your options, visit the Insurance Information Institute at www.iii.org.
- Reviewing documents: Before purchasing a policy, check out its terms and conditions. Read them carefully before signing anything; make sure they accurately describe what the policy covers and how much you’ll pay. If you have questions about the policy, ask the agent who sold it to you.
- Choosing a company: Look for companies whose agents speak English and understand the culture of your home. Ask if you’re eligible for discounts and if the agency offers additional services (such as pet grooming). Check your state’s department of insurance to find a list of licensed agencies.
- Preparing claims: If your pet gets sick or injured while insured, contact your insurer immediately. Provide details of the accident or illness, including dates, times, locations, descriptions of symptoms, treatments received, and results of tests. In some cases, your insurer may require documentation from your vet or technician. A claim may take weeks or months to settle. Be patient, and don’t expect to receive payment right away.
I hope this information was helpful if you wanted to find out about pet insurance.
If your pet is dependent on you to survive, then you need to make sure they have some sort of insurance coverage – even if it’s just a couple hundred dollars per year. Pets often don’t understand what’s going on and their owners may not always know how much help they really need.Pet insurance helps protect pets from unforeseen, expensive medical costs.
Unfortunately, many pet owners don’t realize that while they’re paying top dollar for premium care from their vet, their pet may be suffering without proper coverage.