Archive for the ‘Pet Insurance’ Category

Pros and Cons of Pet Health Insurance

Thursday, April 16th, 2015

While pet health insurance is not as common as human health insurance, it is certainly gaining popularity due to the increasing costs of veterinarian care and the medical procedures that are now available to in the animal health industry.

So what are the Pros of pet health insurance?

Pet health insurance can save you a bundle if your pet needs surgery or treatment for a serious disease. For instance:

Cost of surgery due to injury ($1000 to $2000)
Cancer treatment ($5000)
MRI’s and CAT Scans (aproximately $1000)
Hospitalization (Prices vary widely but hospitalization is not cheap)

These are unexpected expenses that you may have to incur if you want to keep your pet alive. Many owners are often faced with choosing between a very expensive treatment or euthanasia and often are forced to put their pets to sleep because they can’t afford the cost of the treatments. If your pet is covered by health insurance, you could avoid life-or-money decisions like these.

By spending anywhere from $10 to $50 a month in premiums a large amount of these expenses will be covered by pet health insurance.

Veterinay care keeps getting more expensive.
Most policies will cover recovery costs if your pet gets lost.

On the downside, here are some points to consider before you buy pet health insurance:

– Insurance companies will not cover pre-existing conditions so it’s best to buy your policy before your cat or dog gets really sick
– Premiums increase as your pet gets older
– Most policies have a spending limit. Usually the limits are per incident, but in other cases the limits are per year

Not all pet health insurance companies offer the same value. In fact, deciding which plan you are going to sign up for could be a nightmare. Do your homework, read up about it as much as you can before you make a decision but if you are willing to do anything to keep your pet alive, pet health insurance might save you money in the long run.

Thinking of Buying Pet Health Insurance?

Thursday, April 16th, 2015

Thinking of buying pet health insurance?

Pet Health Insurance is becoming more popular not only because health care prices are rising, but because many treatments and surgeries once reserved for humans are now being applied to our animal companions.

Pet health insurance is not something new. In the early eighties, Dr Jack Stevens DVM started Veterinarian Pet Insurance. The purpose of his endeavor was to prevent animals from being euthanized because of budget concerns. Even now, treating pets has become so expensive that euthanizing the animal is oftentimes the most economical solution.

When medical veterinarian treatments include radiation, MRI’s, surgery, physical therapy and cancer treatments, the cost of caring for a dog or cat can be staggering. Accidents can also play a part in the high expense of health care. A broken leg, swallowing a foreign object or other types of accidents can end up costing thousands of dollars. Just think: ten days of dialysis treatment can cost $12,000 and cancer treatment could be as much as $40,000.

Americans will spend about $9.4 billion this year on the health of their pets, according to the American Pet Products Manufacturers Association.

Unfortunately, many pet owners find out the hard way. Their dog or cat gets into an accident or get really sick and they are faced with the hard decision of either paying the high bills (which sometimes they can’t afford) or putting their pet to sleep.

Rather than waiting for something terrible to happen to your dog and ending up with a huge vet bill, why not think ahead and get some sort of health insurance and avoid the stress that may come when your animal gets sick.

Pet health insurance comes in many “flavors”. Before making that decision, it is best to talk to your vet and get an idea of what kind of coverage you are going to need.

As with other health insurance, pet health insurance is subject to premiums, deductibles and certain limits on the amount of coverage. Insuring certain breeds could be more costly because of genetic factors.

When doing research, try to find out about the company’s reputation and efficiency. The Internet is a great place to start. Look in forums for people’s reviews and personal experiences. http://aspcacommunity.ning.com/forum is a good place to start. You will read opinions from people who have no vested interest in any particular company so you are more likely to learn the truth. Keep in mind that people are more likely to complain and express their disappointment with something than to praise. It is still a good place to get an idea of pet owners’ experiences with pet insurance.

When choosing an insurance companies find out about specific coverage and don’t forget drug coverage, dental treatment and recovery treatments such as physical therapy. Some insurance companies will even cover the costs involved if your pet gets lost or stolen.

What You Need to Know Before Buying Pet Health Insurance

Thursday, April 16th, 2015

By now, you have probably heard read about pet health insurance. But what does pet insurance do exactly?
Health insurance for pets may help you pay your veterinary bills if your pet has an accident, gets sick, or needs routine preventive care. Most plans cover dogs and cats, and some plans cover other types of animals.
What you should consider before you buy pet health insurance:
• Shop and compare – Ask your vet to recommend some pet insurers. Be aware that policies and premiums vary widely. Compare monthly or annual costs, and the differences in deductibles, co-pays and coverage limits. These may limit payouts by incident, annually, or your animal’s lifetime.
• Carefully read policies – Read the clauses on deductibles, co-pays, coverage limits, and exclusions before you buy a pet insurance policy. Pre-existing problems and hereditary conditions such as dysphasia in certain dog breeds, such as German shepherds and retrievers, are normally excluded.
• Do your math – Make sure you add up the total costs of the policy for the anticipated life expectancy of your pet. Be aware that the age of your pet affects the premium. The older your pet is, the higher the premium you will pay.
Questions to ask insurers:
• Can I choose my vet? – Does your insurance plan allows you to get the vet of your choice or do you have to choose from a “network” or designated care giver.
• Is there a waiting period? – Most policies have a waiting period and it might be different for accident or illnesses
• Do you cover routine wellness exams? – Most plans will not cover wellness or routine care though some policies give you an option if you pay extra
• Do you cover neutering or spaying?
• Does the plan include prescription drug coverage? – Some plans include prescription drugs others won’t
• Do you cover claims annually or by incident? – Find out the maximum coverage. Some plans will have a maximum per incident others will have a maximum per year.
• If the coverage is by incident, is there a time limit?
• Is there a dollar limit for vet office fees? – Some companies will only reimburse ” allowable” veterinary expenses. In other words, they set the price.
• If my pet has a pre-existing or hereditary condition, will this plan cover it?
• Does this plan cover chronic or recurring conditions?
• How long do you take to pay claims?
• Do you give discounts for insuring multiple pets?
• Does this plan cover advertising costs and rewards if my pet is lost or stolen?
• Does this plan make payouts if my pet is being treated and dies?

How Does Pet Health Insurance Work?

Thursday, April 16th, 2015

Pet health insurance works as an indemnity type insurance. This means that you pay your veterinarian, you file a claim, and then you are reimbursed for a portion of the fees.

After you get health insurance for your pet and you will have a waiting period. The waiting period can be 3, 8 or even 14 days depending on the policy and the company.

After that, if your pet gets sick or gets into an accident you will be ready to file a claim.

You need to make sure that you visit a licensed veterinarian

Next you need to obtain a claim form. Very often you can download a claim form from your pet health insurance company’s website. The form needs to be completed by you and your veterinarian. A good practice and a time saver is to keep a few pre-filled claims form in your pet’s file at your veterinarian’s office.

After you have your claims all filled out, you will have to attach a copy of the invoices. These could be your veterinarian bill, but also bills for x-rays, hospitalization or other charges that may apply. A quick fax or mailing the completed forms will start the process of reimbursment.

Since most plans have a deductible, the insurance company will deduct the specified amount and then send you a check for the percentage of coverage that you chose when you purchased the policy. According to our reseach, percentages go anywhere from 65% to 90%. In some instances, even 100% after the deductible is covered.

Some companies will only reimburse ” allowable” veterinary expenses. In other words, they set the price. This is why it is so important to inform yourself and do the research before buying pet health insurance so there are no unpleasant surprises.

If don’t have a policy and are thinking of getting health insurance for your cat or dog, you can start by asking your vet. He or she may have first hand experience with one or more companies. You can also search for customer comments on blogs or forums. You can also view a comprehensive pet health insurance comparison at :

Pet Health Insurance Review

Thursday, April 16th, 2015

Pet Health Insurance is becoming more popular not only because health care prices are rising, but because many treatments and surgeries once reserved for humans are now being applied to our animal companions.

Pet health insurance is not something new. In the early eighties, Dr Jack Stevens DVM started Veterinarian Pet Insurance. The purpose of his endeavor was to prevent animals from being euthanized because of budget concerns. Even now, treating pets has become so expensive that euthanizing the animal is oftentimes the most economical solution.

When medical veterinarian treatments include radiation, MRI’s, surgery, physical therapy and cancer treatments, the cost of caring for a dog or cat can be staggering. Accidents can also play a part in the high expense of health care. A broken leg, swallowing a foreign object or other types of accidents can end up costing thousands of dollars. Just think: ten days of dialysis treatment can cost $12,000 and cancer treatment could be as much as $40,000.

Americans will spend about $9.4 billion this year on the health of their pets, according to the American Pet Products Manufacturers Association.

Unfortunately, many pet owners find out the hard way. Their dog or cat gets into an accident or get really sick and they are faced with the hard decision of either paying the high bills (which sometimes they can’t afford) or putting their pet to sleep.

Rather than waiting for something terrible to happen to your dog and ending up with a huge vet bill, why not think ahead and get some sort of health insurance and avoid the stress that may come when your animal gets sick.

Pet health insurance comes in many “flavors”. Before making that decision, it is best to talk to your vet and get an idea of what kind of coverage you are going to need.

As with other health insurance, pet health insurance is subject to premiums, deductibles and certain limits on the amount of coverage. Insuring certain breeds could be more costly because of genetic factors.

When doing research, try to find out about the company’s reputation and efficiency. The Internet is a great place to start. Look in forums for people’s reviews and personal experiences. http://aspcacommunity.ning.com/forum is a good place to start. You will read opinions from people who have no vested interest in any particular company so you are more likely to learn the truth. Keep in mind that people are more likely to complain and express their disappointment with something than to praise. It is still a good place to get an idea of pet owners’ experiences with pet insurance.

When choosing an insurance companies find out about specific coverage and don’t forget drug coverage, dental treatment and recovery treatments such as physical therapy. Some insurance companies will even cover the costs involved if your pet gets lost or stolen.

How Much Does Pet Insurance Cost?

Thursday, April 16th, 2015

Many people want to know how much pet insurance costs, and I am sure would like to do a price comparison and compare pet insurance companies before they commit to buy insurance for their pets. So the question comes up all over the Internet, in blogs, forums and some wiki websites.

The answer though is not an easy one. Pet insurance like most insurance have many variables that could make the price higher or lower.

First, let’s start with the company itself. If you decide to get a quote, and you try several companies, most likely you will get different premiums for the same pet, so the company you choose is definitely a factor in the price of your premiums.

Next is the type of animal. Are you insuring a dog or a cat? Cats are generally cheaper to insure due to several reasons. Cats are usually kept indoors so they are less likely to get into accidents. They are also less prone to disease and they seem to stay out of trouble better than dogs. Cat owners will tell you of course that cats are smarter, but we don’t want to go there do we? The truth is that dogs are more impulsive and usually greedy when it comes to food and are more likely to ingest a foreign object or to get hit by a car because they ran after something on the street.

Another variable is breed. Regardless whether a cat or a dog, certain breeds are more prone to diseases. In fact there is a pet insurance company that will only provide accident insurance (no illness) for Chinese Shar-pei and Shar-pei cross-breeds.

Another factor that affects your premiums is location. Every time you want to get a quote from a pet insurance company, they will ask you for you zip code. This probably has to do with veterinary rates.

Age also plays a role on the cost of pet insurance. The older your pet, the higher the premiums. This doesn’t mean that pet insurance is not available for senior pets, in fact, many companies will still enroll your pet even if she is older than 8 years. This is why it pays to do a little research before jumping into pet insurance.

And last but not least, is the amount of coverage and the size of the deductible you choose. This can make a big difference on your monthly premium. For instance some companies will allow you to choose you premium from selected amounts. It could be $50, $100 or $200, and the percentage of the reimbursement which can range from 70% of the bill to 100%.

If you really want to know how much pet insurance costs, you need to visit the company’s websites and get free quotes. The information you will need is the zip code where you live, the age of your dog, the breed, whether it is a cat or a dog, male or female.

An Overview on Pet Health Insurance

Thursday, April 16th, 2015

Pet health insurance is becoming very popular and is catching on in the US. With rising pet health care costs, the prospect of having those costs covered by an insurance program is becoming more attractive.

Pet Health Care Costs

Pet health care costs have increased dramatically in recent years, mostly because vets use more sophisticated diagnostic tools (MRIs and CAT scans, for example) and those tests can be very costly.
In addition, the cost for life-saving treatment such as chemotherapy could be around $2,000.
Health insurance for our animal family, can be almost as confusing as health insurance for people, but it also can be an asset in an unexpected situation—particularly for an animal owner whose companion develops a major medical condition.

Coverage

Many pet owners have accidental coverage only. My research showed that there are a several pet health insurance companies that offer a diverse animal health insurance rates from routine care coverage to life threatening illness protection. Most companies won’t cover congenital problems such as hip-dysplasia for any dog, and one company provided a listing of health problems that do not qualify for coverage based on breed. . Some plans cover preventative care and others are just major medical while plans cover only accident and illness

Policies

So how do most of these pet health insurance policies work? Almost all policies have a deductible and a co-pay requirement. You pay for the services provided and then file a claim with insurance company to get reimbursed. Policies and costs vary widely from company to company, so you definitely need to research and shop around to find the right policy for you and your pet.. Some policies cover a broad range of treatments, from cancer medications to acupuncture and some but not all, provide policies for senior pets.

Premiums

Costs are generally in the $100-400 range annually. Discounts are available sometimes if you pet has a microchip ID implant. f you have more than one pet on your policy then you will normally receive a discount. Usually the discount for multiple pets is about 5%. If you work for a major corporation, check to see if they offer pet health insurance. Over 1,500 companies in the United States already offer pet insurance as a benefit. Some insurers also offer discount for service pets but you must show proper documentation.

Should I Get Health Insurance for My Pet?

Thursday, April 16th, 2015

Many pet owners share a common concern: what if my beloved animal gets sick or injured? Will I be able to afford the care that he or she will need?
.This is a valid concern. From MRIs to radiation therapy, there are many options for veterinary care that used to be only available for humans. There are even a growing number of veterinary specialists, including cardiologists, oncologists, and neurologists

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who can provide life-saving care that would have been out of the question in past years… but only at a hefty cost.
.The question of whether or not you should take out a health insurance policy for your four-legged friends (or winged or slithery friends, as the case may be) will depend largely upon your financial circumstances, your pet’s health and age, and your need for further peace of mind when it comes to your buddy’s medical needs.
.Reasons to consider investing in policies for your furry friends:
.1. You have a pet who you already know has a condition that will likely require more extensive care throughout his or her life (see below regarding “If you do decide to take out a policy”).
.2. You worry a great deal about having to confront situations in which your pet has a treatable condition that you simply cannot afford, and as a result have to decide whether to euthanize. For some people, the peace of mind that results from having a policy that would prevent the need to make such a difficult

decision will outweigh their concern over whether or not they will get back more in benefits than they have paid for the premiums.
.3. You have enough disposable income for a premium, but would be unable to cover the expense of diagnostics and treatment in the case of an emergency (see below regarding “A very valid alternative”). Reasons not to splurge on a premium for your pet:
.4. You consider the policy as an investment: the deductibles, co-pays, and benefit limits of many policies do not guarantee (or even make likely) that you will come out ahead.
.Also take into consideration that very few insurers will cover pre-existing conditions and if your pet is already elderly, some insurers may not allow you to take out a policy on aged animals and others will charge a significantly higher premium.
.If you do decide to take out a policy make sure to research your options: as always, practice due diligence! Also, don’t hesitate to ask your vet for suggestions and look up online customer reviews of the different companies.
.It is also a good idea to get a copy of the complete policies you are considering and read the fine print. Some things to consider are:
.1. Whether you will have limited options for what providers you can go to.
.2. Whether they require you to pay the bill up front and get reimbursed later (and, if so, what their reimbursement schedule is).
.3. What the annual, lifetime, and accident-related coverage limits are.
.4. Whether the policy covers chronic and recurring health issues.
.5. Whether they cover annual checkups, vaccines, and routine tests.
.6. Whether they have breed-related restrictions.
.7. What percentage of services the company will pay for after the deductible.
.8. Whether prescription drug coverage is included
.9. Whether treatment will still be covered if your pet dies during a procedure.
.10. Whether you will be covered if you travel with your pet.
.To get the best rates, take out a policy while your pet is still young. In addition, if your pet already has a medical condition, make sure you get a policy that covers pre-existing conditions and carefully weigh the costs and benefits of more expensive plan options, such as zero-deductible plans.
.Furthermore, make sure to research pet insurance policies to price out the average premium and put the money you would have spent on pet insurance into a savings account that is to be used only for veterinary expenses.
.Whether or not you decide to take out a health insurance policy for your pet, make sure you stay up-to-date on their preventative care, feed them a quality diet, and set aside money in case of the unexpected.

An Alternative to Pet Health Insurance: The Pet Health Discount Program

Thursday, April 16th, 2015

The popularity of pet insurance is increasing. Taking care of one’s pet’s needs now goes beyond just food, shelter and some love. Currently, an increasing number of pets have regular visits with their veterinarian just as their human owners have done for years with their doctors. In addition, surgeries for medical issues to extend a pet’s life and comfort are also increasingly more common. It is understandable

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to see why the popularity of pet insurance has increased.
.Unfortunately though, for pet owners who want to purchase pet insurance for their pets, just like human health insurance, pet insurance can be expensive. And again, just like human health insurance, it does help to shop around but the cost can still be more than some are willing or able to pay. And even when some are able to pay but they start looking at all the exclusions that can be in some pet health insurance policies, they wonder if it is really worth the cost of the pet health insurance policy.
.Often many pet owners do feel the cost of pet health insurance is worth the benefit, but for those who can’t justify the cost of pet health insurance or are just not able to afford a policy just yet, there is an alternative. A pet health discount program.
.Pet health discount programs are becoming a popular choice for many to help cover their pet’s health care needs. These programs give pet owners a discount on their veterinarian services

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along with other discounts for various pet products. In addition, it is easier for pet owners to participate since there are no exclusions due to a pet’s age or health and the cost of a pet health discount program is much easier to afford for most people than pet health insurance.
.Let’s take a look at some common pet health discount program features:
.1. The pet owner saves a percentage off their veterinarian services: With a pet health discount program the pet owner will save an up-front percentage off of the veterinarian bill. There are no claims to file and one can choose among a variety of veterinarians in their area that will accept the pet health discount program. It would be like having a coupon to use every time one would need to take their pet to the veterinarian.
.2. Very little exclusions: Unlike traditional pet insurance, with a pet health discount program there are minimal exclusions. For enrollment, there are usually no exclusions at all. This means that any pet can be enrolled into the pet health discount plan regardless of age, health conditions, type of breed, hereditary conditions, or pre-existing conditions. However, there are some exclusions as to what services the pet health discount program may or may not cover. Generally, the pet health discount program would not cover products or medications suggested or sent home with the pet. Also, if any outside services were used, such as a company that lab work may have been sent to, these would generally not be eligible for the discount.
.3. Low costs and extra services: Many find that a pet health discount program is very reasonably priced. Depending on the choice in plan, a pet health discount program can start at about $100-200 per year. It is a one time fee and there are usually no limits as to how many times the discount can be used for qualifying services. In addition, many pet health discount programs offer additional savings to members such as discounts at a variety of companies that sell pet merchandise and services and some plans even offer pet recovery services to help one find their pet if they are lost.
.Although for some a pet health discount program may seem like a great choice, it is important that every pet owner research for themselves if a pet health discount program would be the right choice for them. And if one chooses a pet health discount program they will want to first make sure their veterinarian accepts the program they may choose. It is also important to again note that pet health discount programs are not insurance and although they are a much more affordable choice, they will not offer the same coverage as a pet health insurance plan.

Give Your Beloved Pet The Security Of A Cat Insurance

Wednesday, October 10th, 2012

Bringing home a pet is a matter of great responsibility and one should undertake it only if one feels that he or she is ready to provide the very best for the pet. Once you have got a pet at home it is not just an animal that you feed, groom and play with, but is an integral part of the family and as good as a family member. The purr of furry cat can drive all your worries away even if you have just returned home after a stressful day at work. A cat is one of the most preferred categories of pets due to their beautiful looks, majestic nature and the intense companionship which they can provide to any individual who gets them home. Although a cat is quite a self sufficient animal and will usually entertain itself when you are not around, it can be very specific in its needs. cat insurance is, therefore, one of the best decisions that you can take for your beloved pet.

Like any other pet, a cat also needs the owner to provide devoted care in terms of providing a nutritious diet, proper grooming and most importantly regular health check ups, vaccinations and proper care at all times like an illness. The maintenance of your pet in the proper manner can therefore burn a hole in your pocket and any unplanned event can make your family budget defunct. Cat insurance is the solution to all these financial problems which you may face in the event that you have a cat as a pet. The selection of a proper cat insurance plan is hence, the most crucial step in providing a long and healthy life to your pet without disturbing your planned budget in any manner.

The advancement in the field of veterinary treatment has already made it possible to treat many diseases in animals, which were earlier not possible. So in case your cat in suffering from any severe illness and needs a complicated treatment, it is very much possible nowadays. However, the only hindrance may be the high cost associated with the treatment and care and hence some pet owners are unable to provide such treatment in spite of their best intentions. Avoid such a situation in the case of your pet with a proper cat insurance plan.

The selection of the right cat insurance plan is the most important step towards ensuring a healthy and happy existence for your furry friend. The yellow pages or the internet may be the best place to locate a reputed insurance company providing pet insurance. Also, you could ask the vet or other pet owners for reference and accordingly select the right insurance company for your pet. Pay attention to your pet’s age, gender and physical and mental health while considering the best plan. If you select the company and the insurance plan with care, you can get a plan that not only helps you financially in providing the best care for your pet but also saves you thousands of dollars when you only need to pay the nominal premium on the chosen plan.