| Monday, July 14, 2008 |
| Cheap Pet Insurance May Cost More Over Time |
In the minds of many pet owners, cheap pet insurance is better than no insurance, but when something major happens with their beloved animal they may find this is not entirely true. While cheap pet insurance may be available at a lower monthly premium, how much of the vet’s bill it actually covers may make animal health care costs higher in the long run.
When looking for cheap pet insurance the monthly premium should only be a starting point, with the deductible the primary consideration in making a choice. If the cost of the deductible will be about the same as the difference in the monthly payments, it will probably pay to pay a little more each month instead of a larger amount each time you take your pet to the vet.
However, if you have an extremely healthy pet that listens to everything it is told and there is little chance of injury or illness, then cheap pet insurance with a high deductible may suit your needs. Many pet owners are able to cover the annual veterinarian costs and buy cheap pet insurance simply to cover catastrophic emergencies they may experience with their pets.
Budget Is Major Consideration For Quality Pet Care
Many families simply do have the financial resources to buy a low deductible, high payout health care plan for their pets. They may be struggling to maintain health insurance on the human members of the family and will choose cheap pet insurance just to be protected in case of an emergency. For those having some coverage will help them make decisions on their pet’s health based on other than financial concerns.
Other considerations with cheap pet insurance are the policy’s maximum allowable payout over the life of the pet. They may also have a maximum payout on an annual basis and may not cover annual checkups or vaccinations. The occasional visit to the vet when the pat develops a cough or cold may also be the owner’s responsibility with the cheap pet insurance picking up little or nothing of the cost unless the illness develops into something more life threatening.
In some states, pet insurance is not regulated by any government agency and care must be taken to insure that company with which you obtain cheap pet insurance is a solid company and not a fly-by-night organization simply after the money. If your state does not regulate pet health insurance, check with the Better Business Bureau to insure you are dealing with an honest company. |
posted by Sara @ 8:54 AM  |
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| Discount Pet Insurance Deals |
Pet insurance has become quite popular in recent years mainly because, for lack of a better word, it “delivers.” When the concept of pet health insurance first debuted several years ago, many assumed that it was some kind of lark or fad. Of course, pet insurance is neither of those as it serves a vital function: it provides a valuable financial ‘safety net’ that ensures proper medical care will be provided to a dog, cat, et al when the need for medical treatment is required. You would not want to be in a situation where you were not able to provide care for your beloved pet, would you?
Comprehensive Pet Insurance vs. Discount Pet Insurance
Now, it must be understood that not all pet insurance plans are cut from the same mold. While there are a variety of pet insurance plans, most plans fall into one or two categories: they are either comprehensive pet insurance plans or they are discount pet insurance plans. Again, while variations exists, the common difference between a comprehensive plan and a discount pet insurance plan is that a comprehensive plan involves a monthly payment no different than a “human” insurance plan while a discount pet insurance plan usually centers on a lump sum annual fee that is at a reduced cost of the comprehensive plan.
Notes on Discount Pet Insurance
Keep in mind, comprehensive pet insurance may provide for a complete range of pet health care concerns while discount pet insurance may not cover all medical issues. This is not a knock on pet insurance that is offered at a discounted rate, but rather it is an honest assessment of the plan. From a clear and honest assessment of a particular plan, one can draw a conclusion as to which plan would best serve needs. It would not be an optimum situation to sign on to an insurance plan that does not truly provide what one is looking for so a clear understanding of the positives and negatives of both plans should be defined.
Ultimately, taking out a pet insurance policy – regardless of the type of insurance policy one takes – is an act of love and protection. In that regard, any type of pet insurance policy is better than none at all. Since your pet provides their owners with much love (and in the case of REALLY big dogs, provide a lot of protection as well), it would only be fair to take all necessary steps to safeguard the pet’s welfare. |
| posted by Sara @ 8:53 AM |
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| Thursday, March 6, 2008 |
| Pet Health Insurance In Ontario For Your Beloved Friend |
You love your pets, and for good reason. They provide you with company, comfort and unconditional love. Therefore, you should want to take care of them as best you can. One of the ways you can ensure their care is to obtain pet health insurance. If you live in Ontario, there are several companies willing to provide you with the necessary insurance to care for your pets. You never know what can happen. Your pets can come down with illness, can break a limb, or worse, and pet health insurance in Ontario is the best way to ensure you don’t go broke caring for your best friend.
Search For The Best Rates
Pet insurance in Ontario isn’t expensive, but you should still call around to the various companies available to you to make sure you’re getting the best rates possible. Call the individual companies and tell them the number of pets you have, as well as what kind they are, and make a list of the quotes they give you. Don’t just write down the monthly premiums they charge, but also write down the amount of coverage they offer. The things you want to pay special attention to are surgeries, medications, bone settings and more. Then, when you’ve made your list, you’ll be able to see which company will provide the best pet health insurance in Ontario for you and your pets.
With pet health insurance in Ontario, no matter what happens, you know your pet or pets will be covered. There’s nothing worse than hearing stories of pet owners who couldn’t afford their pets surgery, medicine, or anything else they may need. This often leads to the owner having to have the pet put down, something every pet owner fears. If you love your pet and you want the absolute best for them, then pet health insurance in Ontario is a no brainer. Especially if your pet is an outside pet, constantly exposed to the elements, sharp objects, and other animals, then you should definitely think about pet health insurance.
Ask your veterinarian if he or she recommends pet health insurance in Ontario. Your vet would be the best person to ask, especially if you want to stay with that vet, because some pet health insurance companies require you to see certain vets. If your vet doesn’t recommend one, then start calling around and making a list so that you can get the best deal on pet health insurance in Ontario for your beloved friend. |
| posted by Sara @ 8:15 AM |
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| Compare Pet Insurance To Find Best Possible Plan |
Just like shopping for health insurance for you and the family, it is wise to compare pet insurance before signing up for the policy. There is more to consider than just the monthly premiums, such as per incident deductible, out-of-pocket limits and any limitation on the maximum payout for the animals lifetime. Similar to health care for people, when you compare pet insurance plans you will find that the ones with the lowest monthly cost may not offer the best deal for the money.
When you compare pet insurance, obviously you will look at the monthly premiums, but consider the deductibles available with each premium. With higher deductibles the monthly costs is typically lower, but if the difference is $150 for instance for each time the vet sees the animal, two or three visits to the doctor with the higher deductible can make the average monthly cost of the insurance considerably higher. You will also want to compare pet insurance for the maximum amount payable per incident as well as for the lifetime of the pet.
Policy limits can limit the type of medical treatment your pet receives and when you compare pet insurance, remember the sophisticated test procedures now available for veterinarians such as x-rays and CAT scans that can be costly. If the policy sets limits on the total cost of procedures, such testing can quickly reach the policy limits, leaving you with a large chunk of the vet bill not covered.
Learn What Is Covered By Insurance
You should always compare pet insurance to learn exactly what type of treatment is covered. Illness, accident and typical care should be covered under most pet insurance policies, but you should be certain as to how reimbursement is calculated. A few companies reimburse policyholders a percentage of the veterinarian’s bill while others have an established schedule for certain procedures, and reimburse a percentage of that amount.
Another consideration to keep in mind when you compare pet insurance is whether you can visit any vet of your choice, or does the company restrict who can treat your pet. Emergency care for that middle of the night and weekend calls when the vet’s office may be closed should also be covered at the same rate as regular visits. With some companies, the reimbursement is less for emergency care.
Ask the veterinarian’s office about insurance as they probably deal with different ones and have heard from other patients about how they are treated. They may be the best source to compare pet insurance as well as other pet owners. By learning of their experiences with other companies, you should have information on which to make a choice. |
| posted by Sara @ 8:14 AM |
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| Friday, December 14, 2007 |
| The Unique World of Florida Pet Health Insurance |
When the subject of Florida pet health insurance comes up, some individuals may scoff at the notion. After all, health insurance plans are only for people, right? Well, let us follow the flawed logic of this statement. If health insurance is only for people, then does that mean only people get sick and need to see a doctor? And by the way, do vets perform all medical care on dogs and cats for free? Florida pet health insurance is not something to be mocked or scoffed at. It is a very real safety net that can provide security for a pet’s health and well being, particularly as the pet ages and may require expensive medical treatment that coincides with aging. In some cases, these costs are downright astronomical.
What is Special About Florida Pet Health Insurance?
There is not much of a difference between purchasing health insurance in Florida and in other states; but, one must take into consideration the fact that the climate in Florida is quite hot and humid and this may have an effect on the pet’s health. As such, special consideration for a Florida per health insurance plan should be taken into consideration.
Florida Pet Health Insurance Reduces Costs
When a pet gets sick, there might be some enormous costs associated with helping the poor creature out. There are costs associated with an initial examination, treatment or potential surgery, prescription costs, and subsequent follow up visits. Additionally, the complexity of the treatment might include blood tests and lab work. As these various procedures add up, the costs add up as well. What might have started as a $50 office visit may turn into a $500 bill. If you can afford the $500, that is. Needless to say, pet health insurance comes in handy here.
Grim Possibilities In The Absence of Florida Pet Health Insurance
If you can not afford your pet’s treatment, then you may have to face a seriously grim choice. That is, you may have to take the lower cost option of having the animal put to sleep because you are unable to afford the treatment. While this may seem like a worst case scenario, it is also a common scenario that could have been avoided if a pet health insurance plan had been taken out.
The premiums on a pet health insurance plan are not as expensive as one may think, although the premiums do go up as the pet ages or has a prior medical history. Most premiums, however, are fairly priced and will not cost you the enormous costs that a major operation or treatment plan would cost. As such, it would be the wise move to explore insurance providers and have a policy taken out on your pet’s health. This will save a great deal of heart ache down the road if potentially expensive treatment is required. |
| posted by Sara @ 8:53 PM |
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| Mature Pet Insurance Covers Your Pet Against The Worst Case Scenario |
Most of us don’t think about veterinary care for our pets until the unthinkable happens. The worst case scenario is never a pleasant thought, especially when it comes to the members of our families that have provided unconditional love for many years. Our mature pets are the ones that are more susceptible to sickness, broken bones, and more, and therefore, we should make sure they’re covered in case anything does happen. Mature pet insurance is available for those owners who love their pets and want to make sure they’re protected in case their pets require veterinary care. No matter what happens, with mature pet insurance, your pet will be able to get the care they need, when they need it, which means they’ll be able to provide you with the unconditional love they’re good at providing for many years to come.
Inside and Outside Pets
Some people think that just because they have an inside pet that they don’t need pet insurance. However, even inside pets can get sick, get bones broken and more. Therefore, no matter if your pet is inside or outside, you should get mature pet insurance for your beloved pet. Especially if your pet is older, you should get mature pet insurance because they are the ones with the brittle bones and weaker immune systems. For that reason, anyone with an older pet should never be without any kind of pet insurance.
Pet insurance works just like health insurance for humans. You pay a low monthly premium and then, if anything does happen, you end up paying a fraction of what a normal vet visit would cost. Surgeries and bone settings can end up costing thousands of dollars if you don’t have pet insurance. With mature pet insurance, you can get your pet the veterinary care it needs and your bank account won’t suffer. That’s great news for anyone who loves their pet and doesn’t want to think about the possibility of having them put down, simply because they couldn’t afford the vet care they need to survive.
The next time you go into your vet’s office, ask them if they recommend any companies that offer mature pet insurance. When you finally find a company that offers the rates and coverage you’re looking for, you will be able to rest easy knowing your pet is covered in case the unthinkable does happen. Nobody likes to think about the worst case scenario, but sometimes things happen and we’d better be prepared in case they do. |
| posted by Sara @ 8:52 PM |
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| 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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