| Wednesday, October 17, 2007 |
| Consider Pet Insurance Quote To Compare Coverage |
When considering obtaining insurance for your pet’s health care, consider the many options available very carefully and be sure to understand everything included in a pet insurance quote to make sure the policy is worth the premiums. There are many different insurance plans out there and many of the garden variety plans do not cover many of the expenses your pet will need on a regular basis.
Obviously, the premium for the insurance will the main item looked for on a pet insurance quote, but other things should be considered as well. In addition to the monthly premium, look over the pet insurance quote for the deductible amount to determine if it is based on a fee schedule for service. As such, the deductible will be applied to an amount determined by the insurance policy to be a typical charges for the services rendered and the policy holder with be responsible for a percentage of that cost.
Ideally, the deductible should be a percentage of the amount actually charged by the veterinarian who will usually reduce the out-of-pocket expenses associated with most insurance polices. The pet insurance quote should also clearly define what service would not be covered under the plan as well as the ceiling amount the company will pay for annual vet expenses.
If Not In Writing, It Will No Happen
When looking over a pet insurance quote, make sure the items listed will be part of the policy. There have been times the quote differed from the actual policy and the pet owners were left holding the bag for expenses they believed were covered. Only after they file a claim did they learn the policy did not include the same items that appeared in the pet insurance quote.
Any pet insurance quote should also offer a timeline for reimbursement of veterinarian charges so the owner knows how long they have to wait to receive reimbursement fir the expenses. It should also be noted in the pet insurance quote whether you can take your pet to the vet of your choice, or if you have to visit one that may be participating in a pet insurance health provider system. If your pet is covered in event of emergency while out of town, the charges being covered away from the regular vet should also be covered.
Once you weigh all the information and numbers contained in a pet insurance quote, you have the information needed to make an informed decision about obtaining the right insurance to care for your pet’s health care needs. |
posted by Sara @ 3:22 AM  |
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