Title: Pet Health Insurance - luxury or necessity?
Author: Susan Koranki
Pet Health Insurance - luxury or necessity?
If you are a pet owner you may already know how costly it
can be if your beloved `furchild' becomes ill unexpectedly,
or is injured in an accident. In fact, even routine
veterinary care and surgery can make quite a dent in your
savings.
The United States lags well behind most of Europe in the
number of domestic pets covered by Pet Health Insurance,
but more and more savvy pet owners are beginning to realize
what a lifesaver it can be…in every sense of the word!
Think about it for a minute – if Fido were to be seriously
injured or fall ill tomorrow, would you be able to afford a
veterinary bill for $1500, $2000 or $3000 plus? If not, you
could find yourself faced with a heartbreaking,
life-or-death decision. That's a situation no pet lover
wants to be in.
If you have pet health insurance you (and your pet) can be
spared the agony and heartbreak of being unable to afford
critically important veterinary care in a time of crisis.
Just as your own medical cover/health plan is there for you
when you fall ill, Fido's health insurance will be there
for him.
There are many different pet health insurance companies,
all offering plans that are similar in the respect that
they all require annual premiums, have deductibles and
offer a range of different coverage options to suit
individual needs.
However, there are also many differences between policies,
and before deciding which pet insurance company to go with,
it's a very good idea to pay attention to the small print
and ask questions. The following list is an example of the
kind of things to look for (it's not a comprehensive list
though, it's up to you to do your homework!)
Some pet insurance policies have age limits, both minimum
and maximum, and they can vary considerably between
providers.
There can be different `waiting periods' (the time it takes
for your coverage to come into effect) from one provider to
the next
There are different attitudes and regulations concerning
the cover (or lack of) for pre-existing conditions
Some pet health insurance providers may exclude certain
breeds (often larger breeds) who are prone to particular
hereditary or congenital illnesses or problems
In some cases a policy may cover routine procedures such as
vaccinations, annual wellness checks and/or routine
preventative care, neutering & spaying etc. Others may
charge a `wellness rider' or have additional charges for
this type of care
You may find you're limited to choosing a veterinarian or
veterinary hospital from a list of `approved providers', or
you may be free to pick whomever you want.
A pet health care policy may, or may not, cover dental
care, eye care and prescriptions – always check this.
If you have several pets, ask the pet insurance provider if
they offer a discount for multiple pets. You may find some
companies also offer `extras' such as discounts on pet
supplies and services or a regular newsletter.
You can get a lot of information about the different pet
health insurance companies and their policies by checking
online. You can also get free quotes and even register from
the comfort of your own home. How easy is that!
Pet health insurance is a growing trend in the US today and
rightly so. Any owner who experiences the shock and worry
of a suddenly, and seriously, sick or injured pet will
appreciate the sense of security provided by a
comprehensive pet health plan.
If you are committed to taking excellent care of your pet,
and keeping him safe and healthy, good veterinary care is
not a luxury, it is most definitely a necessity, - and a
pet health insurance policy can provide this.
Unless you have considerable savings, and are happy to dip
into them, unexpected veterinary costs could cause you a
good deal of hardship and heartache. Even if you DO have
the money, would you really want to spend it on high vet
bills when you could be paying a modest, annual sum instead?
About the Author:
Protect your pet, and yourself, by investing in a good Pet
Health Insurance Policy. Get lots more free information at
http://www.the-
__,_._,___
No comments:
Post a Comment