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      August 14, 2020

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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.

New Pet Insurance Alternative Looks to Save Families Money

Pet insurance in American has become a big business but many families still find it a struggle with the cost, deductibles, and payment schedules they have. EZ Pet Check is looking to change that with ...

Published:  Fri, 14 Aug 2020 06:10:00 GMT



Progressive Corp. is getting into the pet insurance business

Progessive Pet Insurance by Pets Best is aimed at employers who want to add pet insurance as a voluntary employee benefit.

Published:  Wed, 12 Aug 2020 10:26:00 GMT



Progressive enters the rapidly growing voluntary benefit market by expanding pet health insurance plan offering

Progressive is entering the voluntary benefits market through a relationship with Pets Best, Progressive Pet Insurance by Pets Best, available to all U.S. companies looking to add pet insurance as a ...

Published:  Wed, 12 Aug 2020 06:48:00 GMT



Progressive teams with PetsBest for new pet insurance benefit

As the human and pet bond strengthens, employees are looking for benefits that help them care for their furry companions.

Published:  Fri, 14 Aug 2020 02:00:00 GMT



Here's how to get a piece of the $2 billion in health insurance rebates this year

While such rebates generally are issued yearly, the 2020 aggregate amount is anticipated to be $2 billion - about twice what it was last year. This is in addition to any reduced premiums, waived ...

Published:  Fri, 14 Aug 2020 11:05:00 GMT



Progressive partners with Pets Best to help employers offer pet insurance coverage

The benefits will be available to all U.S. companies looking to add pet insurance as a voluntary employee benefit.

Published:  Wed, 12 Aug 2020 18:51:00 GMT



8 Surprising Things Travel Insurance Covers

If you've been shopping for travel insurance, you've probably seen that it can cover trip delays, lost luggage and medical care. But you'll never guess what else travel insurance covers. Brendan Lee ...

Published:  Mon, 10 Aug 2020 06:21:00 GMT



Pumpkin Pet Insurance is Now Available in All 50 U.S. States

PRNewswire/ -- Pumpkin Pet Insurance ("Pumpkin"), announced today that its insurance plan is now available to cat and dog owners in all 50 states ...

Published:  Tue, 11 Aug 2020 05:30:00 GMT



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