Wondering if it’s worth taking pet health insurance for your puppy? Watch Donna’s story about Max.
Many pet owners only consider insurance once they’ve been hit by high vet bills. But accidents and illness can happen at any time, and the risks are higher with younger puppies or kittens. In this video, Donna relates the sad story of her puppy Max, and how insurance helped them. For more info about pet insurance visit www.bowwowinsurance.com.au
Ten things you should know about pet insurance
Ten things you should know about pet insurance
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Home Page > Finance > Insurance > Ten things you should know about pet insurance
Ten things you should know about pet insurance
Posted: Jul 31, 2010 |Comments: 0
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Ten things you should know about pet insurance
By: ravi
About the Author
(ArticlesBase SC #2939076)
Article Source: http://www.articlesbase.com/ – Ten things you should know about pet insurance
If you are thinking of buying a pet insurance policy, here are 10 things to keep in mind:
Age
The age of your pet is an important factor when purchasing pet insurance. Pet insurance typically covers pets from the age of 6 weeks. Many insurance companies will also not insure pets older than 8 years. But if your pet already has coverage before the age of 8, the policy will continue beyond this age.
Deductibles and co-pays
Similar to human insurance, a deductible applies to pet insurance. A deductible is the amount you have to pay out of your pocket before the insurance pays out. Generally, the higher your deductible, the lower your monthly premium and the choice is up to you. The premiums will also be based on the breed of your pet, age, and any pre-existing conditions.
Insurance plan types
A comprehensive pet insurance plan covers a wide variety of services, including vaccinations, annual check-ups, spaying, neutering, medications and other veterinary services. And while a comprehensive insurance plans covers a lot of conditions and medical related problems, a basic plan may only cover illness, injury and emergency services.
Covered services
Most pet insurance plans will cover certain services like office visits, accidents, illness, hospitalisation, prescription medication, X-rays, MRIs and CAT scans. A comprehensive insurance plan will cover these plus things like physical exams, vaccinations, spaying and neutering, prescription flea control and heartworm protection.
Benefit limits
Most insurance plans have a specified limit on how much they will pay out for a certain illness, accident or service. Any services beyond this limit will mean you have to pay out of your pocket.
Choice of vets
Depending on the policy you will be restricted on which vets you can use. Some pet insurers will have contracts with certain vets. If you want to keep your current vet, first check if he/she is part of the network.
Discounts
There are certain discounts available on various pet insurance plans. Some insurers offer a 5-10% discount on your premium if you have more than one pet on your policy.
Waiting period
Like human insurance, there is a waiting period before the pet insurance pays out. However, cover for emergencies usually begin immediately.
Exclusions
There are certain conditions or services that your pet insurance will not cover, so it is very important to go through your contract accurately. These usually include hereditary defects, pre-existing conditions, elective procedures, special diets and grooming services.
Claims
When you want to claim from insurance, it is important to contact your insurer immediately as there is usually a time period within which you must make a claim. Save all your invoices from your pet as procedures for filing claims differ from one insurer to the next.
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What You Should Know About Pet Insurance
Keeping an animal as a pet means adopting it as part —practically a member, if not really a member— of the family. Your children pet it, you talk to it, you care for it and you love it, especially if your pet is a dog or cat that can also reciprocate with love for you. It is therefore natural for you to fret and worry if your pet gets sick, hurt or otherwise unhealthy.
What happens, then, if your pet suddenly gets hurt or falls ill, and you don’t have the budget for its hospitalization or treatment at the time? Will you nevertheless take it to the vet, hoping to find him a compassionate professional, who can ‘advance’ you the cost of medical treatment? Or would you just accept the inevitable -whatever it is— result of your pet’s injury or ailment? To avoid such scenario, the answer is pet insurance.
Why Insure your Pet?
Whether you accept it or not, your pet is an investment. You probably bought it from a pet shop or a kennel if it is a dog. You provided it with food, water, shelter, and plenty of attention. In return you expect to derive pleasure and reciprocal attention from it. It may, of course, simply be psychic in terms of fulfillment but fulfillment nevertheless. Therefore it follows that you hope to receive such fulfillment from your pet as long as you can.
But pets, like humans, are also subject to ailments, accidents, and hurt. In such instances they also need medical treatment and attention, but it does not follow that you can always support such need. The need may come suddenly and unexpectedly, that you may not be ready for it. Therefore, as you insure your loved ones you should think of insuring your loved pet or pets to provide it with a continuous opportunity to reciprocate the love and affection you bestowed on it.
Insurance coverage
Pet insurance, just like normal insurance for humans, also underwent a series of development phases. After the barrier of non-acceptability was hurdled, the extent of insurable coverage also grew in a series of spurts. Today, after many decades, pet insurance has evolved into an insurance industry sector with its own rules, regulations, levels, standards and requirements. Pet insurance has come of age.
Like any other kind of life insurance, pet insurance basically covers health and hospitalization, veterinary care and medicine, and life and accident insurance in varying combinations of cover, depending on many different factors. These factors may include, among others, pet species and other specifics (if a dog or cat, for example, breed, age, and whether its master is a family or an individual), living and other domestic conditions, and level of care normally bestowed by its owner. Some might even consider the economic stratum the owner belongs to as a significant factor in determining the appropriate insurance cover for the pet.
Insurance Particulars
As stated above, insurance coverage of pets vary with companies in terms of coverage and eligibility requirements. Some pet insurance companies will not cover animals not certified by their veterinarian as ‘normal’, ‘stable’, or ‘controlled’, those prone to certain ailments or diseases, ‘old’ pets, and the terminally ill. Other companies, notably those insuring pets of high-profile owners such as the rich and the famous, may even require authenticated and certified pedigree papers, but the coverage amounts may also be astronomical and incredibly large.
Premium payments also depend on the capacity to pay and desired or agreed on terms. Some may be monthly, semi-annually or annually, and may cover regularly scheduled check-ups, standard or special preventive medication, vaccination, grooming, and other wellness requirements. Group insurance options are also available, often at rates lower than individual costs, as well as accident insurance, which may specify coverage terms.
It is best to check around for the best deals, but one thing is sure: pet insurance is your best gift for your pet.
Seomul Evans is a SEO Services consultant, Internet Marketing writer and contributor of pets Articles.
does anyone know about pet insurance with Pedigree Livestock?
how do i go about in getting a quote for pet insurance?
As far as i know my mum has the house and car insurance with axa insurance. I was just wondering how do i go about getting insurance and how it works. i will be getting the puppy pretty soon am just waiting on a vert from the shelter to give me the all clear.
If aanyone could asnwer this and give me an idea on what to do i would be very grateful.
