Pet Insurance Comparisons Tips To Help Reduce Pet Expenses

Many of our pets are just like family–the dog is in every family holiday photo, and the family cat gets catnip and toys on his birthday. We treat our animals like our own children, but when it comes to them becoming sick or injured, their treatment can be considerably more expensive than an office co-pay for ourselves or one of our children.

Pet insurance has been around for a number of years, and has continued to gain popularity as pet owners are realizing the financial benefit of having pet insurance on our animals. One simple sickness can end up costing thousands in vet fees, and a simple injury could mean extensive (and expensive) surgeries.

When shopping for insurance for the family pet, it is important to do thorough pet insurance comparisons before investing your money in a company to take financial care of your animal. There are a number of things to take into consideration when shopping for pet insurance.

First, be aware of fraudulent companies. Check the background of a pet insurance company to ensure they are reputable and that you are willing to trust your pet’s healthcare with the business. Do a little research online regarding your top choices for pet insurance comparison to get a better picture of the company, including any customer complaints and scam reports that may exist online.

See if your pet qualifies. Just like health insurance for people, pet insurance may be disqualified if they have certain per-existing conditions or are of a certain age.

Find out if you have to go to a specific veterinarian for your pet’s care under a certain pet insurance company, or if you have the choice of who to take your pet to for appointments.

Most importantly, review the specifications and policy limits on each plan. It is important that you fully understand what your plan does and does not cover when it comes to expensive health care (such as cancer treatments), emergency visits and if wellness checks and routine care visits are covered or required in order to keep policy coverage current.

Pet insurance comparisons don’t have to be stressful. Knowing what to look for in a pet insurance company is essential to choosing one that fits your needs the best. Because our pets are part of the family, and they should be covered with pet insurance to ensure they live long, happy, and healthy lives!

What Is Pet Insurance and What Does It Cover?

What Is Pet Insurance?
When your pet gets sick, digging into your personal finances to cater for the veterinary bills can leave you frustrated. Pet insurance helps you to pay the vet bills by providing a reimbursement on the veterinary costs that your cat or dog will incur.

How Does Pet Insurance Work?
Pet insurance differs slightly from human health insurance. The pet owner has to pay for the pet’s treatment upfront and he will be reimbursed later by the insurance company. Your local vet offices can help you with filling up the forms or providing the required documents to the insurance company. With pet insurance, you can opt to work with your preferred vet and still be assured of high quality care for your pet.

When submitting a claim, you will be required to fill some paperwork and mail or fax them to the insurance company. After this, you will receive a reimbursement check, which will be lower than the amount you paid for insurance since deductibles and co-payments will have been deducted.

What Does Pet Insurance Cover?
The pet cover you will buy is likely to be tailored to meet your unique needs. However, there are some basic things that most insurers cover. If you need an option that is not covered, the insurer can provide it and come up with a different quote for you. Below are the most common covers offered:

Vet fees – Most insurance companies offer cover for vet fees in case your pet is injured, gets involved in an accident or gets ill. Usually, the policy will cover the cost of fees of hospital care, medicines, laboratory tests, X-rays, operations, and anesthetics.

Legal liability- This will cover you from compensation claims from third parties in case your dog bites them.

Holiday cancellations – In case you have to cancel your holiday because your dog is ill, you will receive a reimbursement for this.

Advertising or cost of rewards in case the dog goes missing.

Purchase price of the pet- Some pets, especially the pure breeds or exotic types, are not cheap. You can be covered for their purchase price in case they get stolen.

The above are 5 major areas where pet insurance may cover you. Apart from these, some insurers come up with tailor-made solutions for their customers. These can include transport costs to and from the veterinary hospital, burial/cremation of the pet, advice and support in the event that your pet passes away, help lines, accidental damage, and pet minder finder service among others.

Pet insurance is an important cover to take for your pet. Before deciding to purchase a cover from a particular company, find out which options are included and which are exempted.

Should I Buy Pet Insurance and How Much Is It Per Month?

We all love our pets and want to be able to give them the best care possible. However, there are often times when emergencies arise and we simply just do not have the money on hand to get them the vet care they need. This can be very saddening to us pet owners. Give yourself peace of mind knowing that you have the means of providing the care needed in the event of an emergency with pet insurance.

Do I need pet insurance?

Pet insurance will help you rest knowing that should an event arise where you need emergency care for your pet, you won’t be stuck having to watch your little one suffer due to lack of funds. The insurance company will pay a large portion if not all of the medical expenses depending on the plan you chose. It also covers routine visits that help keep your pets healthy. What your pet insurance pays will be stipulated in your policy. You should always read the policy to ensure you know what you are paying for.

How much pet insurance do I need?

One can never really know just how much insurance they will need. The breed of your pet and known illnesses can help you determine this. Many pet insurance companies offer policies of $1,000, $3,000, and $5,000 to fit your needs.

How Much Is pet insurance per month?

The cost of pet insurance ranges from roughly $20 to $40 each month for a dog and $15 to $20 per month for a cat. Most companies will offer payment options such as monthly, quarterly, semi-annual or annual payment of premiums, and will almost always provide multi-pet discounts.

Should I Buy pet insurance?

There is no way of knowing when your pet may have an accident or illness and the vet bills can run up to thousands. Some people chose to simply put money aside every week. However, unless you can start by opening the account with thousands, this may not the best way to go. Your pet could become seriously ill or injured at any time and you may not have enough saved at the time to cover treatment. Pet insurance is one of those things you hope that you will never need, but will be so thankful you have it if you do. It means if your dog needs expensive vet care, you only need to focus on getting him or her better, not how you will pay for the bill. Far too many pet owners are forced to make the heart breaking decision to have their animals put to sleep in order to prevent suffering because they just cannot afford treatment. Don’t let this happen to you!

What Is The Best Pet Health Insurance For Your Pet?

Contrary to popular belief, pet health insurance is not a new concept. It is gaining popularity in the United States more recently. Finding the best pet health insurance plan for your pet may seem like an arduous task, however, you could be pleasantly surprised at how easy it really is.
What You Need To Know About Choosing The Best Pet Health Insurance

Pet health insurance is significantly more affordable than health insurance plans that cover you or your family members. It is also much simpler and easier to understand. The simplicity of the best pet health insurance plans also makes it easy to compare the plans against each other. Pets are considered to be property within the United States, so a pet health insurance plan shows more similarity to a car insurance policy than it does traditional medical insurance plans.
Where Do You Start Looking For The Best Pet Health Insurance Plans?

There are a large variety of places to find pet health insurance plans. You may want to start with the insurance carrier that you currently use for your automobile insurance or your home owner’s insurance. A lot of insurance companies that offer car insurance or any other type of insurance to cover personal property also offer pet health insurance plans. Like most insurance policies, you are likely to be able to get a discount for having multiple insurance policies through the same insurance company. Using the same insurance company may also translate into convenience for you as the monthly premiums will likely be able to be paid on the same monthly bill as your existing policy through that company. Advocacy programs for animals and pets sometimes offer their own pet health insurance programs as well. One of the best pet health insurance programs as rated by consumers is through the American Society for the Prevention of Cruelty to Animals, more commonly referred to as the ASPCA.
What Is The Best Pet Health Insurance Plan?

The best pet health insurance plan for your pet is not necessarily going to be the best pet health insurance plan for another person’s pet. Some of the top rated insurance carriers that offer some of the best pet health insurance plans are the best place to start looking. Veterinary Pet Insurance holds seventy percent of their market share. They are the oldest pet insurance company and also the largest of the pet insurance carriers. The Hartville Group offers a product called PetHealth Care Plan and they are another of the top rated insurance carriers for pet health insurance.

Any insurance carrier that offers pet health insurance is capable of having a product that may be the best pet health insurance plan for your pet’s individual needs. You need to check up on the breed of pet you have and learn a little bit about the health problems that are common for that type of pet and think about your pet’s own health issues, if any, before shopping for your idea of the best pet health insurance policy for your furry friend.

The Best Pet Health Insurance Reviews You Can Find

When you are searching for a pet health insurance policy to cover the expenses that come with giving your pet proper veterinary care, there are many options for you to consider. There are websites available that offer competitive comparisons and reviews, but you cannot base your entire decision on the information you get from those reviews and comparisons. They do not take into account your actual financial situation or your pet’s individual needs. The best pet health insurance reviews you can find are the ones that you create yourself. It is easier than you think.
Pet Health Insurance Reviews: Step One

The first thing you will want to do when preparing your own pet health insurance reviews is get the basic information for the plans that fit your needs. Determine how much money you are able or willing to spend per month on the plan’s premiums. Also figure out what your pet really needs coverage for. This will help you save time because you will not be spending time comparing plans that do not fit the bill in the first place. Once you have determined your allowance for premiums and what your pet needs, find some plans that seem to suit your situation and gather the basic information for the plans. You will want to find out what the monthly premium will be and what their deductible is. If possible, you should also get information about what is covered. The more detailed the coverage information is, the better.
Pet Health Insurance Reviews: Step Two

After you have collected the information for the pet health insurance reviews you are preparing, you will want to compare first by the monthly premium amounts and deductibles. Take the monthly premium amount times twelve to get the amount you will be spending for one year’s worth of premium payments. Then add the deductible amount to your annual premium amount. Repeat this for each of the plans you are going to compare. This will give you a very good basis for ranking the policies in your pet health insurance reviews from least expensive to most expensive or from most expensive to least expensive.
Pet Health Insurance Reviews: Step Three

The last step in preparing your pet health insurance reviews is to compare the benefits against each other. Look to see what percentage of the bill you will be reimbursed by each company’s policy. Also compare the types of coverage that are offered by each plan. Some plans cover routine and preventative veterinary care for your pet, while other plans might not offer coverage for those services. Check into coverage for accidents and illness as well. There are plans that specifically exclude coverage for pets that have been involved in an accident and plans that exclude coverage for some types of illnesses. Think about your pet’s health and what types of conditions are common with the specific breed that your pet is. If an insurance policy excludes coverage for one of the illnesses or conditions that is common with your pet’s breed, you may want to opt for a different plan that does cover that issue.

When you purchase a pet health insurance policy, the cheapest policy is not always the best policy for you or your pet. If the policy is the cheapest but doesn’t cover any of the veterinary needs that you pet has, than it is a waste of money for you to purchase that plan. Make sure that you buy a plan that has the coverage that you and your pet need. You should be able to easily determine which plans are your best bets by preparing your own custom pet health insurance reviews.