| Friday, June 29, 2007 |
| Veterinary Pet Insurance Usually Include Coverage For Vaccines, As Also Surgical And Other Medical Care |
Every pet owner that is looking to get their pets insured for their veterinary care would need to take out veterinary pet insurance that will stand them in good stead if and when their pet needs medical attention. Included in veterinary pet insurance are vaccines, surgical care as well as certain more advanced medical care treatments.
Read The Fine Print First
It is also possible to get included in these veterinary pet insurance plans that cover for on-going as well as long-term treatment even when your pet has a chronic problem. When you do take out this form of pet insurance, be sure to renew the policy each year and also make sure that such plans include pets of your age as sometimes pets above a certain age may be excluded from the plan. It would also be a good idea to check the insurance plan and read the details and study the fine print before deciding on your veterinary pet insurance.
Normally, you will find three different kinds of veterinary pet insurance of which the first one you may want to consider and which is also the cheapest would be a plan that restricts the claim to a particular condition for a year, and is most suited for treating pets under emergency situations.
Another veterinary pet insurance plan is one that restricts the total amount paid each year, while the third plan may restrict the amount that will be paid to a particular condition. In the more westernized and developed world, having veterinary pet insurance is almost the norm and that may be why this form of pet insurance is fast growing and becoming exceedingly popular today.
It has also given rise to many companies that are today offering many cheap pet insurance policies, and the most notable of these veterinary pet insurance companies would no doubt is, in the United States, the one that goes by the name of VPI Pet Insurance. This insurance company is perhaps the oldest as well as the biggest dog and also cat insurance company that is, at the moment, providing health insurance for pets in the United States.
Among the pet insurance policies VPI Pet Insurance provide is VPI Superior that covers your pet for accidents, illnesses as also routine care, and also vaccination and routine care. This plan is well suited for those pet owners that only want or require minimum coverage though there is also VPI Cancer Rider for coverage of cancer treatment.
Normally, such veterinary pet insurance plans will cost between fewer than hundred dollars and as much as two hundred dollars, depending on the policy type. And, in case you are unsure about which the best policy is for your pet, seek the advice of an expert. |
posted by Sara @ 2:15 PM  |
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| Does Your Pet Need Vet Pet Insurance? |
The short answer to that question is “It depends.”
Now for the long answer. You have to take into consideration what kind of pet you have, what kind of lifestyle you and your pet live and the vet pet insurance policy itself.
What Kind Of Pet Do You Have?
If you have a cat, you will pay less than if you have a dog. Is your pet a show, working or breeding animal? How often does your pet go outside? How old is your pet? Is your pet a mixed breed or purebred? If a purebred, what illnesses does your pet’s breed often get?
What Is Your Lifestyle?
Are you away a lot, or do you spend more time at home with your pet than anywhere else? Do you live near a busy road? Are there any young children about who can act very unpredictably around your pet? Do you always have to have overseas vacations that would require your pet to go in a boarding kennel at least a week a year? Answering these questions can help you pinpoint the kind of vet pet insurance you want to look for. If you live near a busy road, for example, accident vet pet insurance is highly recommended. If you travel a lot, then you would be best to look for a plan that includes paying some of the costs of boarding your pet while you are away.
The Policy Itself
In general, the more you pay for your vet pet insurance, the more areas in a pet’s health it will cover, such as medications and x-rays. The low-cost vet pet insurance policies have many restrictions on just what is covered. Also check to see if the policy will cover old animals – most won’t. If you can only afford a low-cost vet pet insurance while you have a young animal, it might be best just to get a term policy, or decide if you want to keep or change the policy a year later.
The Least You Can Do
There are many things you can do from keeping your pet in need of a vet, let alone vet pet insurance:
Spay or neuter your pet. They will not “miss” the sexual experience. Think very hard about your life. Wouldn’t your life have been a lot simpler if you had been neutered at six months old? I wish I had been!
Microchip or tattoo your pet. Collars with ID tags can slip off.
Feed your pet the best quality food you can afford.
Don’t let your pet turn into a tub of lard. Fat animals are more prone to getting ill than fit ones. |
| posted by Sara @ 2:15 PM |
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| Take Shelter in PetPlan Breeder Insurance |
If you are even an amateur pet breeder, don’t kid yourself – lawsuits happen. When they are over the issue of the sudden death of a new pet bred by you, then emotions are charged and people are doubly keen to sue. You need breeder’s insurance. If you live in Australia, Canada, America or the United Kingdom, you are in luck, because you can get PetPlan breeder insurance.
Why PetPlan?
PetPlan began in the UK over thirty years ago with a radically new idea in the insurance world – insure only pets. They stuck with all facets of pet and livestock insurance – pet health insurance, pet liability insurance and PetPlan breeder insurance. And PetPlan paid out more than $2 million US dollars each week of 2006. PetPlan is the most popular pet insurance used in Great Britain. If you are in America, Australia or Canada, you can get PetPlan breeder insurance, as well as other dog and cat insurance.
Rights And Wrongs
When someone buys a pet from you, they have the right to a healthy, normal animal that is exactly as you described the animal to be. They have the right to know all of the medical records of the animal, and that you should’ve given the animal its first immunization shots (depending on the species).
PetPlan breeder insurance will let you customize your breeder’s plan. Perhaps you will only insure the pet you bred for one year, perhaps you will insure the pet is free from parasites or can be returned to you throughout the life of the pet if the new owners have to suddenly give up the pet. You and the PetPlan breeder insurance agent will figure out the best plan for you.
If you are a breeder of dogs, you especially need to get liability insurance. Although owning dogs is becoming more popular, people just don’t seem to know much about dogs these days. Be sure you are protected financially if your dog damages someone else’s property or person.
Many pet insurance companies will not cover any hereditary diseases a dog or cat may get, such as luxating patella (dislocated kneecaps). PetPlan will.
And PetPlan gives discounts to mutli-pet homes, which is a big relief to breeders. And they give discounts to animals which are micro-chipped, which helps a breeder afford the increasingly necessary implantation of microchip idenity information. Many veterinarians use PetPlan and so does the Humane Society. So should you. |
| posted by Sara @ 2:14 PM |
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