Your Pet Care


Search My Pet Care

Why Take Out A Pet Insurance Policy?

By Nicholas Hunt TEXT SIZE Minus Plus

It's obvious that you need insurance on your home and car, your health and even your life. But what about another important aspect of your life - your pet?

Pet insurance has grown in popularity as people have realized that health care costs for animals are often as exorbitant as hospital bills for people. Whether you're worried about a chronic health condition like hip dysplasia (common in large dogs) or a random accident, it's important to plan ahead for unforeseen medical costs for all types of pets.

You may be able to get pet insurance through your homeowners' or car insurance; many companies offer pet insurance as an 'add on'. It might be cheaper to go through your existing insurance company, as people with multiple policies through the same organization often receive discounts. If your provider does not have pet insurance, many specialty companies can help - ask your veterinarian to recommend a responsible company.

Whomever you purchase pet insurance from, you will need to make some basic decisions about what type of policy best suits your needs. Usually, there are two basic options: a base plan, which covers your pet in times of extreme illness or injury, and a routine care option, which helps pay for regular vet check-ups as well as major care costs. Some plans will pay for treatments like pet acupuncture and dermatology, while others only cover basic vet visits and common tests. Be sure to ask if your plan covers dental care.

As far as pricing, different plans carry different premiums and give varying amounts of coverage per injury. Some plans have a maximum yearly or lifetime coverage limit, a point at which they will stop paying for any treatment. Be sure you know the specific financial details of whichever plan you select - the last thing you want during a time of a pet crisis is an unpleasant surprise on your bill.

Keep in mind, just like human health insurance, pet insurance almost never covers pre-existing conditions. Some providers also have a maximum age for eligibility. Because of this, it's important to get your pet covered as early as possible, so that any illness they may develop as they age will be fully covered. Also note that most pet insurance policies don't go into effect right away; it may be anywhere from three days to a full month from application before your dog or cat is covered.

Whatever policy you choose, you will rest easier knowing you're prepared for the worst.

About the Author
Nicholas writes on discount pet insurance, and related topics like horse insurance.

Article source: Article-Dashboard.com

Tags: , , , , ,

More ArticlesThe Questions You Should Ask before Getting Pet Health Insurance

People are becoming more curious about the best pet health insurance. This is more true for those who treat their pets as family. And as you go about pet ownership, you will realize how expensive it can be to have you .. (more)

Pot Bellied Pig Health Insurance

In addition to health insurance pot bellied pig owners should probably consider getting some type of liability insurance in case their pot bellied pig accidentally hurts someone. (more)

Related Articles Suggested Reading More ArticlesHealth Insurance for Pets in Pennsylvania

Dog owners in the state of Pennsylvania are more then eligible to purchase pet health insurance for their dogs from the American Kennel Club. (more)

Exotic Pets Health Insurance - Insurance for Your Pets

While it is true that only one or two percent of pet owners feel the need to invest in pet insurance, as an exotic pet owner, it is an unwritten, mandatory thing to have proper pet insurance. (more)

Getting Health Insurance for Your Cat Might Be a Good Idea

Most people do not to think about purchasing pet wellbeing indemnity for the family cat minimally because it seems as if cats never get sick. The veterinary disquiet most cat owners fret about is what will occur if their family cat gets run over by a departure car. Cat owners who keep their cats in the house (more)

Pet Insurance

The main reason for considering pet insurance is cover for medical treatment, but there are some exclusions that you need to be aware of. (more)

How to Market Your Pet Health Insurance Plan

Are you in the business of selling insurance for pets? If you are, you must know the importance of coming up with the right pet health insurance marketing plan. There are many ways to go about such plan. (more)