Your Pet Care

Search My Pet Care

What Is Health Insurance For Pets

By Jadon Sluck TEXT SIZE Minus Plus

Pet health insurance, like any form of insurance, is a risk. You are dead sure that your pet will need it. But, nowadays, because of the limitations and caps on the policy that a company is selling you, you're actually wishing that your pet wouldn't.

Many people say it's really hard to understand in a moment's notice what goes into your pet's insurance policy. So, before you finally decide if you are getting a pet health insurance, it is beast to scrutinize all its details, contents, benefits and other "charge" that are initially hidden from you. Being knowledgeable and meticulous in getting a pet health insurance will not only help you save up some money but can also ensure that you have something that will take care of your beloved pet companion.

To help you understand what are the underlying principles contained in most pet health insurance offers, here are some points that you should look into:

- A network or provider list. Asking if the pet health insurance is one of the best ways in knowing if the insurance will work. If you're looking to remain with your vet, tough luck, most of the insurance companies have their own list of providers that they approve. This is provider's list is given to you so you have a clear-cut idea of who you can go to for pet care. But if your vet is already accredited then it's much better.

- Exclusions. The next question that would probably come to mind is, "Are there exclusions?". Asking if there are is a wise move because all kinds of health insurance policies have exclusions-which are part of the pre-enrollment conditions-or as insurers describe it, "injuries, medical conditions, hereditary diseases and other symptoms prior to enrollment." These conditions are usually part of the exclusions and should be covered. This is why it is a must that owners of a pet with a pre-existing medical condition should be aware that their cat, dog, bird or other pet may not be eligible for coverage. In addition, pets who have previously suffered a medical problem or been involved in an accident may not be eligible for reimbursement on future costs if the future problem is found to be directly related to the original incident-providing that original incident occurred before the insurance policy became effective.

- Deductibles and the co-pay. Some companies have deductibles that are on a flat rate. These deductibles are usually for claims that are caused by excessive visits to the vet or other incidentals.

- A "one size fits all" policy. You can't really say that there is a one size fits all policy. Most of the time the terms and conditions of policies are greatly dependent on the need of the pet owner and the pet, there are plans that include services that are exclusive for dogs or cats or vice versa. Some policies cover some situations that other policies don't. Some companies have higher premium prices than others. That is one of the reason why the pet owner should be aware of the different needs to their pet so they could get the most out of their policies.

- The coverage of the said policy. When choosing pet insurance coverage, first consider what kind of insurance customer you are. This decision will lay the groundwork for your final choice. Make sure to check for coverage of pre-existing conditions as well as breed-specific genetic ailments, such as hip dysplasia for large dogs. Some plans refuse to cover these conditions while other place limits on annual, per-incident, per-illness or lifetime costs.

About the Author
For tips on lion facts and eagle facts, visit the About Animals website.

Article source:

Tags: , , ,

More ArticlesFinding the Right Pet Health Insurance

Pet health insurance is one way to prevent veterinarian bills from becoming overwhelming. Pet health insurance is insurance pet owners purchase to help cover veterinarian bills similar to human medical insurance. (more)

Insurance for VIP Pets

About Insurance for VIP Pets. I wouldn't be the least bit surprised if in a few years you didn't see pet health insurance companies raising the rates of their VIP customers. (more)

Related Articles Suggested Reading More ArticlesThings You Need To Know About Your Pet Health Insurance

Before you pay for a pet health care insurance plan you need to carefully read how the policy handles prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. (more)

USA Pet Health Insurance

Many American pet owners don't realize that there are similar pet liability insurance plans available in the United States. Pet owners who would like to purchase pet liability insurance to cover any damages their pets might be responsible.. (more)

Advertising Your Pet Health Insurance Company

In any business, one thing that you must not forget about is the importance of advertising. This holds true even if you are running a pet health insurance business. The idea here is to let as many people know about you. (more)

Insurance for Pets

Pet owners who purchase pet health insurance plans from pet health insurance companies do so for a variety of reasons. Pet owners are advised to purchase a pet health care insurance plan as early in their pet's life as possible. (more)

Finding Pet Insurance for a Low Price

You might not think you can afford pet health insurance at the moment but don't walk away from an offer, not yet. Looking at a policy does not mean that you have to walk away from it. If you are a clever bargain shopper there are ways to find pet health insurance at a low cost. (more)