How to Decide if You Should Get Pet Insurance
There are many factors to consider when deciding to get pet insurance. Be sure you’re making the right decision before spending your money.
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Why You Should Consider Pet Insurance For Your Family Pet
Why You Should Consider Pet Insurance For Your Family Pet
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Home Page > Finance > Why You Should Consider Pet Insurance For Your Family Pet
Why You Should Consider Pet Insurance For Your Family Pet
Posted: Nov 08, 2005 |Comments: 0
| Views: 233 |
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Want to consider the following pointers as to why you should consider pet insurance for your family pet:
- 1 in every 3 family pets will visit a vet this year for treatment
- 40 percent of all vet fees are caused by ‘unforeseen’ illnesses or accidents
- less than 15 percent of family pets in the UK are covered by pet insurance
- the average vet bill for care and attention needed following a road accident involving a cat or dog last year was circa. £750 – £1,000
- 2 out of every 3 pet owners in the UK have admitted to having gone overdrawn at some time during their lives in order to pay for their pet’s vet bills.
All of these are fairly scary statistics. They’re event more scary when you consider that will a simple family pet insurance policy, paying a minimum premium of somewhere between £25 and £75 (depending on the size of the pet), all of these are totally unnecessary.
If you want to get you pet insured and avoid any of these statistics happening to you, you can choose from:
Pet Accident Insurance
As the name suggests, with a pet accident insurance you are getting the basic minimum in pet insurance – accident coverage. Under this policy the insurance company will reimburse you for all costs and expenses you incur caused as a result of your pet having been involved in an accident (unfortunately, more often than not, this means a road accident).
Pet Accident and Illness Insurance
With pet accident and illness insurance you get full coverage insurance; namely, your insurance company will agree to pay for all the costs and expenses incurred as a result of your family pet having suffered any illness or accident.
Excess Amount
One thing you do need to keep in mind when arranging your family pet insurance is the excess amount. As with all insurance policies, the excess amount is the amount you and the insurance company agree you’ll pay before you are entitled to claim against the insurance policy. While it is always a good idea to set an excess amount that would cover you for any mundane visits to the vet, so as to keep the premium down if nothing else, you don’t want to se the excess too high that you end up having to pay for care and attention you thought would be covered by the pet insurance policy. It is, therefore, advisable that you have a look at some of your more recent vet bills and try and mind a medium between these sums so you have some idea of the excess before you set off arranging your family pet insurance
Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of pet insurance in the UK.
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Joseph Kenny is the webmaster of Credit Cards 121, The Loan Store and also the insurance comparison site Insure121.
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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
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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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