How To Do Your Own Pet Insurance Comparison
Everything that goes on with a dog or cat is noticed by their owners. Many pets have nothing but the very best food, clothes, toys, beds, pools, collars, etc. Some pet owners indulge their pets more than they do themselves! These animals become members of the family and just like everyone else in the family should be covered for routine checkups, serious sicknesses and in case of an emergency. Most dog and cat owners do not think too much about veterinary expenses in advance. They simply pay the doctor tab out of pocket if their cat or dog needs everyday or emergency veterinary care. To get the best value, it’s smart to perform a pet insurance comparison and buy health insurance for pets in your home.
Pet health insurance covers medical bills for cats and dogs as long as they visit a licensed veterinarian. Unlike medical insurance for human beings, you don’t have to select a doctor who falls under your insurance plan. Therefore that your pet is covered for routine, preventative and emergency care as outlined in the pet health insurance policy, as long as the veterinarian is licensed in your state.
Regular checkups and medical procedures and treatments for pets are pricey. Dogs and cats, and other animals for that matter, sometimes get into trouble. They may sneak out and get hit by a car, they might eat something that they shouldn’t, and all too often they contract illnesses from minor bacterial infections to various types of cancer. You can get part or all of their medical treatment paid for if you select the right pet insurance for your pet’s needs.
If your pet is one of those who is inherently disposed to certain conditions, it’s a very good idea to find a policy that covers hereditary illnesses. Hereditary illnesses and preexisting conditions are not the same thing. Many times a preexisting condition would not be considered a covered expense.
When researching insurance do not just look at the monthly premium. This may not address what one is looking for in long-term coverage. If an owner has more than one pet, a discount may be applicable if both are covered under the policy. Don’t just buy a policy from the first company you find, even if the premium and coverage look good. You will learn a lot about what’s available in the process of getting quotes. In order to get a good price on a policy that will meet your pet’s needs, you should get at least three quotes from reputable companies.
If something should happen and your pet needs to go to the veterinarian, there is usually a deductible that you will need to pay. Making sure that your family friend is taken care of is well worth the deductible, but if you’re concerned about it, make sure to compare deductibles on different pet health insurance quotes.
There is a huge difference in pet health insurance policies. Many policies only apply to injuries or illnesses, and routine care isn’t covered. So you would still have to pay for spaying or neutering and immunizations, but insurance would kick in if your pet had to be hospitalized. Since medical charges can come as a surprise, money often become an issue for pet owners. For some it can mean the difference between choosing to fight the good fight or having an animal put to sleep.
In addition to illnesses, plenty of policies will cover annual physicals and dental cleanings. Heart worm prevention and vaccines may be included, as well. This is a great way to maintain the overall health of a four legged friend. Policies that cover more often come with higher premiums, but they’re well worth it.
Make sure you compare the coverages and the premiums on several pet insurance policies before making a decision. Nothing could be worse than having an unexpected accident and finding out it is not covered.