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      April 21, 2018

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What You Should Expect From Pet Insurance

What You Should Know Before Buying 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.

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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



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