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      April 21, 2018

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What You Should Expect From Pet Insurance

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What You Should Expect From Pet Insurance

Owning a pet can be a very rewarding experience. For most people, their pets are more than just furry companions – they are members of the family.

Like any other family member, pets can be expensive to maintain, especially as they age. Like human beings, older pets are prone to certain diseases, including diabetes and heart disease. Medical procedures and interventions for these services can be quite costly, and pet owners can find themselves racking up thousands of dollars at the veterinarian to keep their pets healthy.

Now there is a solution beyond unnecessary euthanasia – pet health insurance.

The first official pet healthcare policy was sold in Britain in 1947. Britain trails only Sweden in the number of pet owners who provide insurance for their pets. Dogs are the most-insured pet, followed by cats and small exotic animals. While it is sold under the name “healthcare insurance,” pet health insurance is actually under the property insurance umbrella. According to insurance laws, pets are seen as property, so the insurance policy which covers them is similar to that for any other property owned by an individual.

But what should you expect from pet insurance?

  • Affordability. The most important factor in purchasing a health insurance policy for your pet is affordability. Pet owners are more likely to purchase the coverage if it fits within their monthly budget. Policies range from as low as $15 a month to $75 a month or more. As with insurance policies for people, more costly plans tend to offer more bells and whistles when it comes to coverage.
  • Coverage Length. There are two kinds of insurance policies for pets: lifetime and non-lifetime coverage. Lifetime coverage policies are designed to provide coverage for the pet without limitations. Non-lifetime policies must be renewed annually, and with most plans in this category, any health condition for which a claim was filed in the previous year will automatically be placed on the list of non-covered procedures/conditions for the following year. Lifetime policies are designed to continue to provide coverage for any condition for which the pet has received veterinary care.
  • Coverage Type. When pet insurance policies first came onto the scene, most did not cover preventative care for pets, such as annual exams, vaccinations and spaying/neutering. Within the last couple of years, however, pet insurance companies in Canada, the United States and the United Kingdom have begun to include routine preventative healthcare coverage in their plans.
  • Limitations. As with human health insurance plans, many plans for pets exclude pre-existing conditions. Even companies which cover pre-existing conditions generally place exclusions on how much will be covered and how often. It is best to research this if you have a pet that already suffers from a health condition which will require extensive monitoring.

As with health insurance policies for humans, those which cover our furry friends come with a variety of benefits. More expensive plans will cover more services at a higher coverage rate, while the majority of inexpensive plans contain coverage exclusions for select services. Before choosing any policy, do your research: ask for customer recommendations, compare coverage and cost factors, and seek out information from the veterinarian who provides health services to your pet.

New report shares details about the PET insurance market

Pet Insurance Market 2018 research report added by OrianResearch.com to its vast repository provides important statistics and analytical data to give a complete understanding of the market. The Pet Insurance Market 2018 Research Report provide the details ...

Published:  Wed, 18 Apr 2018 02:26:00 GMT



Insurance won't pay for dog's kidney problems

Greg chose Leon. "He was great, with no issues," he said. On Jan. 4, when friendly, playful Leon was about six weeks old, Greg took out a pet insurance policy with Healthy Paws. As time went on, Greg noticed that Leon drank a lot of water. He brought ...

Published:  Thu, 19 Apr 2018 09:39:00 GMT



Pet Insurance Market Outlook: World Imminent Demand & Growth Prospect 2018-2023

The qualitative research study conducted by HTF MI titled "Pet Insurance Market Report by Company, Regions, Types and Applications, Global Status and Forecast to 2025" provides primary Data, surveys, Scope of the Product and vendor briefings.

Published:  Tue, 10 Apr 2018 09:06:00 GMT



Dollars and Pets: The cost of pet dental work

Figuring out how much pet insurance will pay Many veterinarians may have package pricing, which can include the oral exam, X-rays and anesthesia. Teeth extractions and medications will be additional charges, as well as a recheck or follow-up visit.

Published:  Tue, 10 Apr 2018 10:55:00 GMT



Dog owners, here's what you need to know about liability insurance

Although standard homeowners and renters insurance policies typically cover dog-bite liability, there are still some coverage ins and outs that dog owners should assess when shopping or reviewing a policy: Dig into pet-related policy details even if your ...

Published:  Thu, 12 Apr 2018 06:04:00 GMT



The Top 10 President-Inspired Pet Names

According to the Chicago Tribune, the Veterinary Pet Insurance Co. actually did a study on pets named after presidents. And the 10th most popular name on the list is Obama. Maybe people loved his dog, Bo, a Portuguese water dog that lived in the White ...

Published:  Tue, 17 Apr 2018 04:47:00 GMT



Pet Insurance Market to register high demand rate Worldwide

Worldwide Market Reports added Latest Research Report titled "Pet Insurance Market to register high demand rate Worldwide" . This report studies the Pet Insurance market, Pet insurance is a type of specialty property and casualty insurance policy that ...

Published:  Tue, 10 Apr 2018 22:00:00 GMT



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