Author Box
Articles Categories
All Categories
Articles Resources

Is Pet Health Insurance For You?

January 15, 2012 | Comments: 0 | Views: 196

It wasn't that long ago when you could only get insurance for people and property. But for some time now, pet owners have been demanding insurance cover for their pets and the insurance companies have been listening. With the cost of veterinarian care spiraling ever higher, many pet owners are choosing to insure their pets against illness or accident. In doing so, they are not hit with unexpected medical costs that can and often do run into many thousands of dollars.

When people ask me, "what insurance company do you recommend", this is what I tell them.

Firstly, it is important that you do a little bit of research. Create your own simple pet insurance comparison chart. All pet insurance providers have differing insurance options available and of course, every pet and their owners have differing needs.

There are however, a handful of pet insurance 'must-haves' that absolutely must be included in your policy. If not, when the time comes to call upon the policy, you might find yourself out in the cold. By including these five elements in your pet insurance plan you will know you're covered no matter what happens. I'll discus these five elements in more detail in a moment so you'll know exactly what to look for.

Begin by short listing three or four pet insurance companies and request a free quote from each. The information you will typically provide is your pet's age, breed, any pre-existing conditions, and so on. You will also want to know about the costs involved, what exclusions there are, what's deductible etc. Most pet insurance companies have application forms online.

Once you have the policy information in front of you, start thinking about what your pet's needs are likely to be, how's your pet's health? Is she healthy or is here some type of medical condition. Then compare the different offerings of each company and their cost structure. By comparing the plans offered by each pet insurer, you can get precisely the type of pet insurance you need at a price you can afford.

There are some web sites that can make the process of pet insurance comparisons a lot easier. The good ones have accurate information which compares and rates the leading pet insurance providers based on real customer experience and reviews. On good pet insurance comparisons sites, the work has pretty much been done for you with easy to follow charts and reviews, even Better Business Bureau (BBB) reports and so on that will help you streamline what otherwise can be a confusing and laborious task.

Now. Back to the Five Vital Pat Insurance Must-Haves.

The facts are, there are five vital inclusions that you must have in your pet health insurance plan.

Here are the five Must-Haves.

Coverage for Chronic diseaseContinual coverage for chronic diseaseCoverage for Hereditary/congenital conditionsCancer CoverageCoverage for Breed specific conditions

Why do you need these inclusions?

If you do not include these five essential inclusions in your pet insurance coverage, you are wasting your money. Without them you will not be fully protected.

These pet ailments can and probably will affect your pet during its lifetime and each of them are singularly expensive and difficult to treat.

For example:

Almost 50% of pets over 10 years of age will die from cancer. Chronic Diseases are generally long in duration and slow in progression. Many breeds and species are predisposed to some medical conditions like hip dysplasia. These conditions can be fatal and the ongoing medical care can be upward of ten to fifteen thousand dollars and more.

The cost of pet insurance normally ranges between fifteen and thirty dollars per month. This amount varies form company to company and is dependent factors like the coverage levels you choose, your breed of animal, your pet's age etc.

When you consider how much it would cost you to meet these medical expenses yourself, pet health insurance doesn't seem that expensive.

Advances in veterinary medical technology results in our pet's living longer, healthier and happier which is a great thing but unfortunately it comes at a cost.

Thanks for reading my article. My name is Jessica Louise and I am passionate about animals of all types, large and small.

I invite you to visit my website where I compare, review and rate the best Pet Health Medical Insurance companies and their insurance policies for Dogs, Cats, Birds, Horses, Reptiles, Exotic Animals and More!

You will also find plenty of great information about pet care, pet health a free newsletter and lots more.

Source: EzineArticles
Was this Helpful ?

Rate this Article

Article Tags:

Pet Insurance


Pet Health Insurance


Pet Owners


Pet Insurance Providers




Pet Medical Insurance

Auto insurance is probably one of the most expensive insurance types in Canada. An average car insurance policy in Canada costs approximately $1,200 per year and in Ontario, the largest Canadian

By: Alex Saltykov l Insurance > Car Auto l July 09, 2013 lViews: 553

Your house is often your largest investment that you need to protect via insurance. We created a list of multiple savings tips related to Home insurance and hope that these will help you to save a

By: Alex Saltykov l Insurance > Home Owners Renters l December 27, 2012 lViews: 380

Most auto insurance companies design specific car insurance policies for classic and antique cars. If you think you have a classic car and want classic car insurance, you will need to be sure that

By: Richard l Insurance > Car Auto l October 17, 2012 lViews: 570

Business Overhead Expense Insurance Plans can provide cash flow to the business in the event of a disability to a key employee or owner. For a small, growing company it might make the difference

By: T. Spencer White l Insurance > Disability l July 17, 2012 lViews: 243

Workers compensation costs are rising. According to a recent report by the Workers Compensation Research Institute (WCRI), indemnity costs per claim (the loss of earning capacity, payments for lost

By: Kelly C. Williams l Insurance > Workers Compensation l July 08, 2012 lViews: 221

One of the most helpful government programs out there is the SSI Disability program. A person that is legitimately disabled, and cannot work to provide an income for themselves for their family

By: Oleg Winter-Burnett l Insurance > Disability l July 04, 2012 lViews: 282

More and more people are disassociating themselves from the "dog owner" label and are instead embracing the role of pet parent. We are realizing that dogs are not mere objects to own but members of

By: Amber Keiperl Insurance > Petl April 16, 2012 lViews: 165

Curious about pet insurance? Learn how you can make a confident decision.

By: Karon P. Thackstonl Insurance > Petl April 04, 2012 lViews: 167

How to get the right pet health insurance policy? It is widely known that pet health insurance policies and plans are available in plenty for your dear loving pets. The key to get the right policy is

By: Roy J Cornorl Insurance > Petl March 15, 2012 lViews: 171

Choosing pet insurance can be a difficult task, and sometimes it can be so frustrating that people often give up on the idea all together, over complicating the task and thinking about the monthly

By: Ford Jonesl Insurance > Petl February 12, 2012 lViews: 209

As a dog owner, we love our dogs, we spoil them, we buy them treats, we adore them and they're just as much a part of the family as anyone else, but are you prepared to risk your financial future on

By: Serena Fieldl Insurance > Petl January 30, 2012 lViews: 175

Taking good care of your pet is of utmost importance. If you have a pet at home then you might have to spend your money in acquiring suitable pet health insurance. Pet health insurance can really

By: Carol Cochranl Insurance > Petl January 30, 2012 lViews: 207

Anyone who has ever owned a pet has been faced with an unexpected pet health crisis. Standing at the counter at the vet's office with a critically ill animal is not the time to discover that most

By: Jessica Louisel Insurance > Petl January 21, 2012 lViews: 146

A question I am often asked is "What is the cheapest pet insurance". The simple answer is you get what you pay for, but that doesn't mean that you can't get a great deal that suits your budget and

By: Jessica Louisel Insurance > Petl January 17, 2012 lViews: 163