Pet Insurance


For Some Pet Care Insurance is As Important As Child Care
July 14, 2008, 3:57 pm
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For most pet owners taking care of their pets is just as important as taking care of any other member of their family. In addition, just like the human doctors, the cost of veterinarian care continues to rise. With new high-tech diagnostic procedures being used by many vets, having pet care insurance can reduce the out of pocket expense of your pet’s health care.

With some pets there are certain diseases and conditions that they are genetically predisposed from which to suffer and by having pet care insurance, when the time arrives that additional, often costly vet care is needed, it will not put a huge hole in your family budget. While most veterinarians are demanding payment in full at the time of the visit, if they know there is pet care insurance being used, they will generally accept the amount the owner will be responsible for up front, with the balance due when the insurance company issues reimbursement.

In either case, knowing that a percentage of your pet’s health care is covered by insurance makes it more likely it will receive the care it needs, when the care is needed. Despite their feelings for their pets, often times people put off taking them to the vet for financial reasons. Having pet care insurance for all of your animals can reduce your personal expense and keep them healthy.

Plan Now For Future Health Care Costs

While many pets will go many years without the need for major medical intervention, the little things can add up. For example, if your pet care insurance is costing about $350 a year and the animal goes to the vet twice a year at $50 for each visit, some may believe they are wasting money. However, if something major happens, requiring surgery or an overnight stay, the bill can quickly climb to close to $1,000 and you will be covered. If you did not have pet care insurance that would be big bite from your rainy day fund.

Talk to your veterinarian about your specific breed of dog, cat or other exotic animal concerning specific medical conditions known to that breed and ask advice on whether pet care insurance would be a good investment. Some breeds of dogs, for instance, are prone to develop hip displacea and having good pet care insurance may provide financial help in the event major surgery will be required. Specifically, if a hip replacement will likely be necessary as the dog ages.

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Home Owner Pet Insurance Can Pay Civil Liabilities
March 6, 2008, 4:18 pm
Filed under: Pet | Tags: , , , , , , , , , , , ,

In some cases, a person may subscribe to home owner pet insurance to protect against liability if the animal should attack a visitor or someone just walking by the house. Despite the difficulty in anticipating an aggressive nature surfacing in any animal, even the most docile of pets have been known to go on the offensive, making home owner pet insurance a bargain, compared to the legal and civil liability in the event of an attack.

Part of being a responsible pet owner is being responsible for your pet and for a home owner pet insurance can save a lot of money on consequential damages caused by your pet. Renters especially should consider home owner pet insurance in the event the pet damages the home in which you are renting. A pet having an accident on the run can ruin more than a rug or carpet. Liquid accidents can seep into the underlying wood and make it difficult to remove the odor often associated with such accidents. When the renter moves, any damages caused by the pet will be the responsibility of the pet owner.

Even owning your own home, a pet can leave you open for damages to other people or property if it is deemed your pet caused the damage. For example, a friend stops by to show off their brand new car and your dog jumps up to the vehicle and scratches the paint. With home owner pet insurance, the damage can be repaired with you paying only the deductible. Since it was your pet, being in the driveway does not remove the liability for the damage, as the friend is typically invited into your home.

Responsibility Does Not End At Property Line

Many states and communities have enacted laws concerning damage by pets that owners allow to roam free. If the pet damages someone else’s property because its owner allowed it to run loose in the neighborhood, the owner remains responsible and home owner pet insurance should cover any damages above the deductible of the policy. Additionally, if the pet causes injuries to another person, the medical bills can quickly add up and without home owner pet insurance the owner could end up with a large bill for injuries caused by the pet.

While it may seem outlandish, if the pet runs into the roadway and a driver swerving to miss the animals ends up crashing their vehicle, the pet owner could still be held liable for any damage or injuries incurred in the accident. By carrying home owner pet insurance the owner could be saved from facing large bills and potential legal and civil action.

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Is There Such Thing As Low Cost Pet Insurance?
December 15, 2007, 3:35 am
Filed under: Pet | Tags: , , , , , , , , , , , ,

Yes, there is low cost pet insurance. Many pet insurance companies offer a variety of policy programs, including comprehensive coverage and low cost pet insurance. Usually, low-cost pet insurance is called that for two reasons:

The premiums are lower than all of the other policies
The coverage is also limited

It’s sort of like trying to determine whether you should get compressive or just collision coverage for your auto insurance policy. In the case of low cost pet insurance, collision means “accident” and comprehensive means “accident and illness”. Some plans will cover even more than that, but for now, let’s just stick with the pet health areas of low cost pet health insurance.

How Low Is Low?

The average low cost pet insurance policy is under twenty dollars a month. Compare that to what you currently get in your auto insurance or your people health insurance and you will probably wish you were a cat.

There are many factors you have to consider if you want to choose the best low cost pet insurance for you. In some ways, it’s like picking your dog or horse, or close to the same process of how your cat picked you. Anyway, consider:

How much will I have to pay out of my pocket? Some policies will pay for up to 100% of vet bills from an accident or development of an illness after the policy is bought. Some will only cover part of the expenses.
How old or young can my pet be to get low cost pet insurance? Generally, younger animals cost less to insure than older ones. Some pet insurance companies will refuse to insure any animal under six months old or over nine years old.
Do they give any discounts? If your cat stays indoors, for example, you can get a much lower policy from QuickCare pet insurance (for example) than for outdoor or breeding cats. Some will also give discounts for multi-pet homes, for guide dogs or for neutered animals.
Is your pet worth a lot of money? At first glance, that’s a sick question, but legally pets are property. The demand for a Westminster Best In Show or for an actor cat will be more tempting to thieves than for the average stray in the pound.

If you live near a busy highway, show your pets or live near a big city, you should consider low cost pet insurance.

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Pet Dental Insurance Saves Lives
October 17, 2007, 3:16 pm
Filed under: Pet | Tags: , , ,

While some may feel that the title of this article is somewhat bombastic, it is also very true. In fact, the adjective that would best describe the title is not bombastic, but rather the proper adjective to use is mundane. The reason for this is that pet dental insurance does saves lives because the serious, life threatening emergencies that derive from tooth decay are far, far more common than one would think.

Pet owners have a number of psychological hindrances when it comes to pinpointing those things that may prove seriously detrimental to the health of a pet. Tooth decay simply does not register on the ‘danger radar’ when it comes to owners looking out for their pet’s well being. In reality, the serious threats that can befall a pet due to tooth decay are common and extremely severe. This is why pet dental insurance is so important to have because there may be a critically short period of time where a dental procedure must be immediately performed or the possibility of the pet dying is extremely high. Yes, this situation can become that serious.

The Spread of Infection

When a dog or cat gets a cavity and the cavity is not treated immediately, an infection in the gums can develop. Needless to say, this is quite painful for the animal and can lead to tremendous lethargy. Laziness, however, is not the main problem here as the infected tooth and gums can get worse and worse and the infection spreads from the initial area and into the brain or cardiovascular system of the animal.

If this occurs and is not treated in time, the pet may have to be put down because it will develop an incurable condition that will lead to a painful death. Sadly, such a situation is common and it could all have been avoided had proper dental care been employed at the early stages of the benign cavity. If the condition is caught in time, there will also be a problem of cost as the dental work required to fix the situation may run several hundreds of dollars. Such a cost may preclude the owner from being able to provide the loving pet with the life saving care that it is needed. Such a heart breaking situation could be completely avoided, however, if a pet dental insurance policy had been taken out to cover such a calamitous situation.

As one can see, a pet dental insurance policy can prove to be a life saving policy. As such, taking out a pet dental insurance policy as soon as possible is recommended.

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