Article Title: Why Major Medical Pet Insurance Is A Wise Choice
For Pet Parents
Author: Alex Krooglik
You might have heard the terms "major medical" or "catastrophic
coverage" when talking about health insurance. Both of these
terms refer to insurance that has a high deductible and a low
premium and that only pays out when you have a more costly
health problem.
But did you know you can also get major medical or catastrophic
pet insurance for your cat or dog too?
Catastrophic or major medical pet insurance is ideal for pet
parents who have a small amount saved up to cover the higher
deductible. By paying just a little more of the veterinary bill
in the first place with the higher deductible, your pet
insurance can do its job more effectively and cheaply when the
large bills come in.
How much lower are the premiums on a major medical plan? Well,
like anything in insurance, the answer is "it depends." But in
general a major medical plan with a $500 annual deductible
could be half the price of a regular plan with a $100 annual
deductible! Obviously every situation is different so you'll
want to find out for your specific circumstances what the real
difference is.
Clearly a major medical pet insurance plan won't help you with
small medical emergencies that cost a few hundred dollars. But
with the high cost of veterinary care these days you could
easily be left with a bill for $5,900 or perhaps more* if your
pet were to swallow string and require emergency care.
Not every pet insurance company offers a major medical option
so be sure to ask. More information on Embrace Pet Insurance's
catastrophic pet insurance is available at
http://www.embracep
For those pet parents who can afford a higher deductible, major
medical pet insurance can be a terrific way to protect your pet
with a very affordable premium without your having to skimp on
coverage.
(*) - This figure is from a real claim received for a Labrador
Retriever in NY state
About The Author: Alex Krooglik is co-founder of Embrace Pet
Insurance in Cleveland, Ohio. The mission of
http://www.embracep
pet parents that pet insurance should be an integral part of
every pet's health care.
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