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      February 19, 2018

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What You Should Expect From Pet Insurance

What You Should Know Before Buying Pet Insurance

Why Has Pet Insurance Become So Popular?

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Why Veterinarians Appreciate Pet Insurance

 

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What You Should Know Before Buying Pet Insurance

Pet owners have a special affection for their furry companions. Oftentimes, they think of them not only as pets, but as members of their families. As such, they want to ensure their pets live long, happy and healthy lives.

One of the best ways to make sure your pet stays in tip-top condition is to purchase a pet insurance plan.

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 insurance umbrella for property. 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.

There are a few things you should know before buying pet insurance.

First and foremost is cost. Pet insurance plans should provide the kind of coverage needed at a cost that is affordable. There are 10 companies that offer pet insurance plans within the United States. Of those companies, plans range in cost from $15 a month to $50 or more. Some plans require the holder to meet a deductible prior to paying claims, much as health insurance plans for humans. If in order to afford a monthly premium the client has to have a deductible that is too high to reasonably afford, then the insurance plan is not a good choice. Annual limits for covered services also create problems for clients who own pets with chronic health conditions. There are a few plans that do not have annual limits, so it may be best to choose one of those plans if your pet will need continual care.

Another issue to consider is the way the pet insurance company handles veterinary cost reimbursements. Some insurers do not cover veterinarian exam charges, and restrict the reimbursement amount to a set amount per diagnosis.

For most pet owners, regular wellness exams, vaccinations and routine preventative health care are the most common procedures their pet undergoes. However, several of the pet insurance companies on the U.S. market do not include coverage for these routine services, leaving the customer to pay for a monthly insurance premium, as well as routine veterinarian care. In these instances, the insurance plan is not worth the monthly cost to the pet owner.

Another important factor in choosing a plan that is right for you is what the customer is required to do in order to have covered services paid for by the insurance plan. Some plans allow the veterinarian to bill them directly, much as human health insurance companies do, while others require the policyholder to pay the costs up front and then submit the receipts for reimbursement. Some customers of companies which require up-front payment have complained that it is difficult to have those costs reimbursed by the insurance plan later. So if guaranteeing that the costs will be covered is important, it is best to choose a plan that has a guaranteed coverage percentage plan.

Pet owners in the U.S. spend roughly $12 billion dollars annually for veterinarian care for their pets. This number is only expected to increase as more advanced medications become available to our pets. Choose a plan that best suits your needs and those of your pet to ensure a pleasant experience.

'Our insurer gave us the PUSH-OFF': The name for harsh new fees for pet owners with 'lifetime' cover - because providers DON'T want them to stay

As its name implies, lifetime cover is designed to meet claims for the whole life of a pet, even for ongoing conditions developed after insurance is first purchased. The only proviso is that there must be no break in payment of premiums. Policy buyers ...

Published:  Sun, 18 Feb 2018 14:33:00 GMT



Now You Can Get Pet Insurance Online For RM18.50/Month-Because They Need Surgery Too

Underwritten by MSIG Malaysia, PolicyStreet now offers pet insurance starting at RM222 annually. Pet insurance has been around for a long time without attention, but maybe the convenience of ordering it online might entice Malaysians into actually ...

Published:  Tue, 13 Feb 2018 19:33:13 GMT



Insuring the family pet: Report into Pet Insurance

As New Zealand pet owners increasingly look towards pet insurance, MoneyHub publishes its review on the companies behind the policies, premiums, excesses and claim limitations. A research report released by MoneyHub today aims to analyse the range in ...

Published:  Sat, 17 Feb 2018 14:22:00 GMT



February Is National Pet Dental Health Month

In 2017, PetFirst Pet Insurance reported nearly a quarter of a million dollars in claims for gingivitis and periodontal disease and those are just two examples of common dental health issues in dogs and cats. "We hope 'National Pet Dental Health Month ...

Published:  Fri, 16 Feb 2018 21:26:00 GMT



Pet insurance: Could it save you money in the long run

SARASOTA, FL (WWSB) - We know health care costs are a big concern in our community, but how often do you think about the cost of health care for your pet Some pet owners are paying thousands of dollars out-of-pocket for life-saving treatments like ...

Published:  Wed, 07 Feb 2018 14:17:00 GMT



Embrace Pet Insurance Knows Where Sleeping Dogs Lie

A popular question when it comes to dog ownership is where they sleep at night. Should dogs be crated, or is co-sleeping okay The answer is that is that they should sleep wherever is the safest and most comfortable for them and for you. Embrace Pet ...

Published:  Mon, 05 Feb 2018 03:12:00 GMT



Healthy Paws Pet Insurance Announces Good Deeds for 2017 - 2018

SEATTLE, Feb. 13: Healthy Paws Pet Insurance - the #1 customer-rated provider of insurance for dogs and cats - is proud to announce two successful initiatives funded in 2017 - the ongoing scholarship program that helps veterinary and animal advocate ...

Published:  Tue, 13 Feb 2018 22:33:00 GMT



Dog or cat adoption on your mind 5 tasks to tackle so you can afford a pet and give it a happy home

as well as some of the ongoing costs, including food, "booster" vaccinations and pet insurance. Ballpark, if a $27,000 dog lives around 12 years, about the average for small-to-medium size breeds according to the American Kennel Club, your annual costs ...

Published:  Mon, 05 Feb 2018 07:19:00 GMT



Pet of the Week: Sparky

He has also been microchipped, and his adopter will receive 30 days of Pet Emergency insurance. If you are interested in seeing any of the pets up for adoption, visit the GA SPCA, located at 1175 Buford Highway, Suite 109, in Suwanee, or call at 678-765-2726.

Published:  Sat, 17 Feb 2018 13:01:00 GMT



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