Pet Insurance

By Michael Bens

Few are aware that animals now have coverage to protect them from various diseases, injuries and so forth. Pet insurance has been around for some time, helping dogs, horses, cats, and other types of pets. The policy assists the owners financially, thus saving them steep expenses when visiting the Vet. Pet insurance in contrast is similar to Health Policy, in that if the pet is ill, or injured then the pet is cared for by the vet and claims are sent to the policy provider for disbursements.

The principles on pet insurance are to offer insurance to pets that need medical attention. The policy help owners get the most out of vet visits, by allowing them to pay only co-payments to the vet. The policy comes in handy during emergency visits, and will provide coverage for medications, including meds for poisoning, heartworms, pain meds, and so forth. Like, health insurance the pet policy will pay 80/20 for the visits to the vet. Unlike health insurance, many of the pet insurance policies do not have deductibles; rather the deductibles are different with these policies. Few policies will cover neutering, while other policies will not, therefore shopping around is the best solution for getting the most coverage at affordable rates. Like health insurance, after you visit the vet you submit receipts, claims, and other information to your provider, who in turn disburses. Sometimes the vet will handle the claims, sending them to the company.

There are various levels of pet insurance to choose from, including Senior and Standard Pet Coverage plans. The Standard packages insure pets up to ‘eight years’ old, while the Senior policies will cover pets over the age of eight. There is also Pet Travel coverage. This policy will cover your pets medical needs, and protect you against liabilities if you pet should cause damage during travel. Few companies offer “Life Coverage” where the policyholder’s coverage is ‘based on a fixed amount of coverage.” The purpose is to allow the policyholder to cover ‘fees’ annually each time the “policy is renewed.”

The limited paid coverage is a max “monetary coverage” that limits your visits to the Veterinary. In other words, the policyholder is expected to visit the vet a number of times before filing a claim. The policy is more affordable than the life plans. Again, the “Maximum Monetary and Time Limit Pet” coverage plans have stipulating conditions, usually applied annually.

Pet insurance will cover most injuries, illness and treatment under the policy. Few policies will cover burial if you pet should pass on. It makes sense to check the marketplace, not only for the best rates, but also if you have pets other than dogs or cats then you will need to know what coverage is available. Few insurance plans are policies designed to cover dogs only. Furthermore, few insurance plans will various other aspects pertaining to your pet, including covering “advertising and reward” posters for lost pets, including if the pet is stolen, strayed away from home, and so forth. The coverage may include ‘burglar reward” and transporting fees and “personal accident.” The Travel Pet coverage plans will cover “kennel/cattery” and “holidays,” as well as cancelled trips. Check the market, or your current pet insurance agency, since the Pet Insurance plans will combine two types of coverage at discounted rates.

To understand your coverage you should read the Terms & Conditions offered by the provider. The company will also supply a “Plan Explanation” which provides details of illness, injuries, treatment, and other types of coverage. The plans will also supply details of exclusions and restrictions. If your pet has current conditions when you take out insurance, most companies will not cover the animal. Still, few plans will not offer coverage to pets that inherit a disease after the plan is active. Again, you want to check the market, since plans will also cover the common flea and tick problems. The plans will also cover neutering and vaccines of pets. The policy may even cover dental, pregnancy and so forth. NOTE: some plans will not cover most of the listed; however, there are companies’ that go to lengths to get the maximum coverage for your pet.

Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you're looking for!

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