Is Pet Insurance Really Worth It?

In the 1980's pet insurance first came on the scene and for many pet owner's they were thrilled until they saw what was being offered and the limitations of these plans. There was only one company that offered insurance and it was only for extreme cases, such as if a pet had cancer and it paid very little of the treatment costs. Therefore, many pet owners were frustrated with the offerings and never looked into insurance for their pets again.

However, pet insurance has come a long way since its early days and while it is still relatively new, there are several companies that the consumer can choose from. Moreover, the coverage is much more comprehensive and even includes add-ons such as wellness, which means that the annual vaccinations and office exams can also be covered.

How does an insurance policy on your pet work? Simple. If you had to take your dog or cat in for an ear infection and it ended up costing $600 for treatment and medications, you pay the bill, then file a claim with your pet's insurance company. Depending on the plan, they typically have a deductible of $50 to $100 and then pay 80 to 90 percent of the bill. Therefore, if the plan had a $50 deductible and paid 90 percent of the cost, you would get a check back from the insurance company for $495. This a substantial savings for you, and many policies offer the wellness option that includes your pet's annual physicals, vaccinations, and many times heart-worm medications and tests.

Today, cheap pet insurance has advanced significantly so that you can make sure your pet is covered from babyhood into old age. Keep in mind that premiums are often based on the age of your pet and some companies will not insure your pet if it is over 10 years of age. However, if you have your pet insured, your insurance will not be canceled once the pet turns 10, which is why it is important to have them covered as early as possible.

You may be thinking with all the advancements in cheap pet insurance that it may be expensive, but the truth is, it is still very affordable and if you have more than one pet, you can get a percentage of a discount when you insure them at the same time. It truly is a great way to keep your finances protected and be able to make sure your pet gets the care they need, when they need it. Lastly, shop around for insurance, because some of them are very unique and may not be what you are looking for. However, with a bit of research, you will find the perfect plan that is cost-effective for you and protects your pet at the same time.

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Have Peace Of Mind With Pet Insurance

Pets are an integral part of the family and if something happens you want the best possible care without accumulating a lot of debt. Pet insurance will offset the expense of veterinary care. There are approximately two million pet insurance subscribers in the US. Insurance for pets was once considered an expense we could do without, but if your pet encounters an unexpected problem that requires surgery you are going to be confronted with an expensive bill that you may not be able to afford. Insurance coverage for pets is the same as it is for humans' "predictability" in case of dire needs and emergencies. Insurance plans are available for the most common domestic pets as well as numerous unusual types of animals.

Insurance for pets has increased in popularity because modern technology and medicine now allow pets to undergo procedures and surgeries that were unthinkable in the past. Today Cancer treatments are available to dogs; however it could cost thousands of dollars. Dogs can also receive hip replacements in access of $10,000 or more. Pet insurance would make these types of surgeries more feasible.

If pet owners have insurance they will not be caught by surprise with a major veterinary expense. The prices for Pet insurance companies are setup in much the same way that all insurance companies are. The premiums are less for animals than humans because there is consideration that young animals and healthier breeds will for the most part need less expensive care. The premiums prices will vary according the coverage and coverage limits.

There are a significant number of different types of policies being offered. The pet owner may consider a policy for Lifetime Coverage which covers all the expenses related to any long term disease your pet may encounter. The long term diseases are inclusive of arthritis that requires a longer duration of veterinary treatment. This type of policy entitles the policy holder to a specific sum of money every year. The maximum limit can be reset when the policy limit is renewed. This coverage is especially conducive for the cats and dogs.

Another insurance option for the pet owner is Limited Time Coverage. This coverage is in effect for a specific period of times after the pet suffers an injury or disease. This type of coverage is cheaper then the life time coverage.

Limited Money coverage maybe a feasible insurance option for some pet owners. This option allows the pet owner to receive monetary benefit for every condition that can fall within the pet health insurance coverage. The policy owner has no time limit to place claim for the money as long the money limit is not reached. This type of coverage is basically cheaper than the limited time cover.

The average monthly insurance premium costs around $28. All policies pay 90% of your actual veterinary bill for accidents or illnesses. Deductibles and premiums are adjustable to accommodate the pet owner's needs and affordability.

Pet insurance provides the pet owner with peace of mind in the event unforeseeable problems occur with the pet requiring extensive medical attention.

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Is Pet Insurance Worth It? Knowing If You Should Buy Pet Insurance for Your Cat

If you're wondering if you should get pet insurance for your cat, you're not alone. A few years ago insurance for your pet would have been on most peoples list of things that are not needed. These days it has become a different story.

Still the main decision lies in deciding whether to put your hard earned money into premiums or put the money into another financial vehicle that will work better for you.

Owning a Cat still has its risks. Little bandit may grow into a happy cat and live a long life of doing whatever cats love to do with few to no worries about their health. On the other hand, there is the possibility of an unfortunate accident happening to poor Bandit. As well Bandit could contract any number of diseases, picked up from who knows where, or suffer from ill health due to a less than healthy diet.

You just don't know what will happen. So really the question is am I financially prepared to handle anything that may happen or will insuring my cat be a better alternative than going into debt? Plus, do I care enough about my cat to ensure he or she is protected from anything that may happen.

With the high cost of newly available treatments for pets, caring for a pet on your own can be risky without pet insurance. The small costs of regular cat care can be handled by most of us, but if something life threatening happens we may not have the available funds to afford proper treatment. Without pet insurance you're faced with a difficult choice to go into debt or loose your pet or both.

The average cost for insurance over the life of your cat is anywhere between $2000. to $7000. You may never match or exceed that amount in treatment but it can be a far more manageable amount should any large vet bills come along.

Advancements in Vet care bring higher costs

It's important to be aware of the treatments available to your pet that were only recently available to just us humans. A non-treatable diagnosis meant your cat couldn't be helped, but these days what was untreatable is now treatable but at a price tag of anywhere between $1000 to $5000 or higher.

With the newer tools and techniques vet use today an examination of your pet can reveal conditions that would have gone unnoticed and untreated before. Again these more sophisticated exams are more costly.

As a result of these higher prices for vet treatments and procedures pet health care costs have also risen.

Of the approximate 50 billion we spend on our pets, 30% goes to Veterinary care. That's around 15 billion. With 85 million cats only 1% to 2% percent of Cat owners have pet insurance policies.

Will Pet Insurance protect you from everything?

Most pet health care policies come with a deductible as well as a yearly limit to what will be paid out for your claims. Plus there are other features such as co-pays that mean more money out of your pocket.

Also most cat insurance companies exclude hereditary conditions and pre-existing problems. Policies for older pets are significantly higher and some pet insurance companies will not cover any pets older than nine years.

Some of the more common conditions for cats, such as foreign body ingestion, rectal cancer and mast cell tumors range in cost of $495. up to $1650.

Owning a pet is not cheap. They are expensive, no doubt. Insurance for your pet can protect you from any frighteningly huge, unforeseen costs and hopefully you can handle the rest.

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Top Dog Insurance - Understanding the Key Factors That Affect Your Coverage

Your pet is your best friend, and you will do anything to help him when he is injured or ill. Searching for the best top dog insurance is not too hard if you know what you are looking for. You need to make sure you are getting the best policy to meet all your needs. Pet insurance is not all the same - there are specific circumstances that must be considered before purchasing a policy. Just like human health insurance you want to shop around for the best prices and most coverage you can get for one low price.

One thing to check into when looking for a good top dog insurance policy is the age restrictions the company might have for your animal. Many companies do not write policies for dogs 9 years old or older. Senior dog policies may be offered by some companies, but they are more expensive with less coverage. Insurance premiums go up as the pet gets older just like it does for human health insurance. Elderly dogs usually have more serious health problems which can jack up the cost of the premium. On the other hand, many companies do not offer insurance unless the puppy is at least 8 weeks old.

Another limiting factor is the state you live in. Some top dog insurance policies are applicable only in certain states. You will have limited choices if you reside in a remote state like Alaska. Also some states such as Massachusetts impose a lot of regulations on insurance companies, and that may also limit your choices. Some insurance packages have restrictions based on the breed of your dog. Pure bred dogs typically have a higher risk for a particular disease or genetic condition. For example, German Shepherd Dogs are known to develop hip dysplasia as they age which can cost a lot to treat. Furthermore, breeds that are deemed to be dangerous may not qualify for insurance.

All top dog insurance companies try to minimize their risks in order to stay profitable. They do provide a fair amount of health coverage, but they try to exclude more expensive illnesses such as cancer treatments. Each pet is different and your dog may have different considerations than another dog. Be sure to read the fine print so you will know exactly what coverage you are getting.

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Why You Should Get Insurance for Your Pets

If you are an animal lover you have probably heard about pet insurance. Chances are that you have given serious thought to getting one for your beloved pets. Getting pet insurance can really be smart move on your part which can save you money and trouble in the future.

Reasons for Getting Pet Insurance- Replacing a beloved animal is going to be impossible because that would be like replacing a beloved person. It simply can't be done because they've got a special place in your heart. You can find a new pet to love but the pets that you cared for in the past would always have a special place.

That does not mean that losing a pert can be a financial drain as well as being an emotional drain. You can insure your pet not only against death, but you can also get it for illness, theft and also third party liability. It can help you make sure that you will not have to spend money in certain cases involving your animal.

Types and Coverage- There are several types of insurance that you can get for your pets. There is the illness and accident insurance which can give you full coverage. That means if your pet falls sick because of some disease or needs medical attention because of some accident then the full cost of it is going to be covered by the pet insurance.

In case your dog goes missing the insurance company will also pay part of its value as long as it has been missing for 30 days up to 90 days. You should get an insurance that is well matched for the kind of pet that you are keeping. If you have large and aggressive dogs then you have to get an insurance that has full coverage in case your dog hurts someone.

Shopping Around- You have to shop around for the best pet insurance that's available. There are so many that you can choose from so never settle for the first thing that you find. You can potentially cut your pet insurance costs into half if you just do your research and find the best ones out there.

Kinds of Pet- Different kinds of pet will have different forms of pet insurance and coverage. The kind of insurance that we have been discussing until now would mostly apply to dogs which are the most common pet there is. If you are taking of a different kind of animal then you would get a different form of insurance for them.

Fishes and Poultry for example can get pet insurance but their coverage is going to be much more limited as compared with that of other animals. Fishes and poultry normally can only be insured for accidents. Other animals normally can get death coverage.

Getting pet insurance can be a potential means of saving money and trouble, but it is definitely nor for everyone. You have to think about it very carefully if getting insurance for your pets is really going to be beneficial for you or not. You might just end up with one more unnecessary cost burdening you.

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Pet Insurance Guide - Pet Insurance is Vital for Your Pets

Pet insurance covers all veterinary costs in case your pet is ill or needs some care. Several insurance policies also pay a sum of money if your pet dies, lost or stolen. Insurance companies offer complete dog and cat insurance coverage at very competitive rates. Generally pet insurance policy pays for unexpected illness, accidents, injuries, or some other emergencies viz. doctor visits, prescriptions, x-rays, lab fees or diagnostic tests etc.

Pet insurance is an easy way to cover all unexpected expenses of your pet. The pet owner will have to pay some amount against any claim. Pet insurance doesn't pay for preventive veterinary care or elective veterinary care. Usually pet insurance is available for cats and dogs only but sometimes some special insurance is available for horses also. In developed countries all pet owners cut their pets' expenses with the help of pet insurance.

Details of each and every pet insurance policy are different and policy coverage is also dissimilar from policy to policy. There are three main categories of pet insurance policies out of them first covers each condition or event, second offers highest value on total annual payments whereas the category is the cheapest that gives limited payment for some specific condition and it ends after one year of the treatment.

Cost of each policy plan is different and you can select the best as per your pets' requirements. Best time to have a pet insurance policy is when your pet is little. You may also insure your pet in the age of 8 weeks but it is very difficult to get maximum coverage after middle age. Getting a new insurance policy in the middle age of your pet is very much expensive because at that time you'll not be able to claim for existing health treatments.

Internet offers a quick as well as an easy way to shop for a pet insurance policy. It also helps in reducing the premiums. Not only pet insurance it also offers insurance for your car, home or life.

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