Best Pet Insurance

Pet insurance has allowed me to make emergency medical decisions for my pets with little thought about the costs involved.

Veterinary costs are constantly rising like everything else.

Yet last year, when my cat Bonzo suddenly became dehydrated and diagnosed with early onset kidney failure, he was treated immediately. The last thing on my mind was the thousands of dollars in vet charges about to be incurred.

Today Bonzo continues to be happy and healthy because of pet insurance.

Pet emergencies can cost thousands of dollars.

Several years ago my sister’s dog ran out into traffic, fracturing several bones. It was a very traumatic experience for everyone involved. The kids were crying, the dog was crying, bystanders were crying.

Making sure the dog wasn’t suffering was everyone’s type priority. Like me, my sister had pet insurance and so the issue of the thousands of dollars likely needed for treatment wasn’t even discussed.

He was rushed to the vet hospital, where he was treated for several days. When he came home, the smile on my nephew’s face as he ran up and welcomed his best friend home was truly priceless.

What is pet insurance?

Pet Insurance is a policy that covers your household pets such as cats and dogs as long as they’re healthy. Whether your dog or cat is mixed breed or pedigree most insurers will cover the animal for the whole of its life.

That means if an emergency medical situation arises, I can make the best choices for the comfort and health of my friend, rather than what best suits my pocketbook of the day.

What does pet insurance cover?

Pet insurance usually covers more than just the vet bills. It can also cover emergency kenneling costs, theft and travel. Vaccinations and routine treatments such as worming and flea treatments are also excluded.

Millions of pet owners treat their animals like family.

I have four cats, who are members of my family. I have had pets my entire life. I cannot imagine the distress of being in a situation where my pet’s problem is curable but the cost is too high and I put my animal to sleep.

Or, I opt for less than ideal treatment again because of cost constraints.

I would never do that to my own children so why would I do that to my pets?

Pet insurance can give you the piece of mind that you are covered against unexpected bills.

Pet insurance can take away the financial worries when a pet is seriously ill.

Knowing this, when I first discovered pet insurance in the late 1980’s (while renewing my life insurance) I jumped all over it. At that time, $25 per month to cover three cats seemed like peanuts. Today, I pay $60 for 4 cats.

When should I get pet insurance?

I have insured all of my cats within the first six months of life.

It is often difficult to get insurance for older pets. Usually pre-existing illnesses will not be covered. That’s why it is important to think about insurance as soon as possible.

It is now possible to pay a monthly premium to insure your pet against veterinary fees.

Are there different levels of pet insurance?

Just like the different coverages on your life insurance policy, pet insurance plans are the same.

There are usually different levels of coverages available where different values or events are covered. Usually the higher the monthly payment, the greater the value of coverages.

Different aspects of coverages you need to review include: Vet’s Fees, Coverage for Life, Accidental Damage, Death from Illness, Death from Accident, Advertising & Reward, Theft or Straying, Third Party Liability & Legal Expenses, Boarding Kennel Fees, Holiday Cancellation Costs and Overseas Travel.

Bestpetresources.com is run by Drew Harris and is a one-stop-shop web portal for those shopping for pet insurance and pet meds. Multiple pages of resources, referrals and tools. Expert advice articles. http://www.bestpetresources.com

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The requirement for pet insurance can be easily justified, and after a few regular visits to the vet, it is not difficult to understand why. The cost of vet care can come across as a little unreasonable for routine visits, and even more so when it is due to an unexpected visit. With a pet health insurance plan, you can drastically cut these costs down to a level that you can afford. It takes very little time for us to become attached to our pets, and we grow to love them more than was thought possible. However, being a pet owner can be quite a hefty responsibility, as they become dependant on us for food, affection, care and their well-being. It is not possible with a busy lifestyle to constantly keep our animals out of harms way, and unfortunately, mishaps do happen. Pet insurance or a dog insurance plan can help with the financial burden of costly medical bills.

Absolutely free non committal pet insurance quotes are there to assist you in finding the best deals, and applications are very user friendly for your convenience. Within a very short time, our pet helth insurance specialists will find you the best possible rates, which will surely save you money in the long run. For as little as under ten dollars per month, your pet can be covered for needed treatment due to broken bones, swallowing of foreign objects, cuts, scrapes, vaccinations, dental care and some diseases. Plans do varry, and it is encouraged to shop and compare to find the appropriate coverage for you. Our pets spend a considerable amount of time alone, and can sometimes get themselves into hairy situations. Dogs are a good example, and the high demand for dog insurance among dog owners is no surprise, as they are commonly exposed to potential dangers.

We want to take as good a care of our pets as we can, and pet health insurance is very useful to hep us do that. Our pets rely on us, and we have a duty as responsible pet owners to come through for them in times of need. Animals get sick or can require emergency surgeries just like people do, and veterinary bills can accumulate to levels that can add a great deal of stress, as misfortunes usually have a habit of appearing at the worst of times. Such large sums of money can leave us torn between postponing your pets needed treatment, which can potentially put your pet through unnecessary pain and suffering, and exposing yourself to serious financial hardship. For a very small monthly fee, you can avoid having to make this decision with a pet insurance or dog insurance plan.

Dean Cecere is author and owner of insurancecoverage-quotes.com where you will find useful information regarding various types of insurance coverages.

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Pet insurance is not a new concept; people have been doing it for years and saving money on health care of their pets. For some people it seems like an unnecessary expense, but it is not a wise decision to go without pet insurance. As you would never think of going without insurance of your family members, then why you should not insure your pet?

Pet insurance can vary greatly and you should choose one very carefully for your pet. Most insurance plans cover expenses like routine care and annual checkups. But some of them only cover injury or sickness. If you can handle general problems, fine then it will be better for you to consider a pet insurance that caters with serious conditions. Others only cover sickness or injury. Emergency coverage is also there but for other coverage you will have to wait for one month or so.

Coverage and costs of a pet insurance depend on pet’s age, size and breed. Good health of your pet will be a positive point when acquiring pet insurance.

Here are some reasons why you should buy a pet insurance.

1) An average of seventy five percent family pets visit veterinary clinic every year for treatment.

2) Forty percent of all vet fees come from unforeseen illnesses or accidents.

3) Only 20% of family pets are covered by pet insurance.

4) The average vet bill for attention and care needed following a road accident involving a cat or dog last year was around $1000 to $1,500.

Of course, the statistics is scary. It will seem scarier when you will come to know that only a monthly payment of $40 to $80 can do it all for you.

Some pet insurances to choose from:

Pet Accident Insurance

This pet insurance gives coverage to your pet against any accidents. But some companies do not cover the incidence of poisoning your pet, so before choosing read the fine print to clear all major and minor points.

Pet Accident and Illness Insurance

In this case you will get full coverage insurance. Your insurance company will pay you all the costs and expenses incurred in case of your pet having suffered any accident or illness.

Some important points to be consider while choosing a pet insurance:

1) Before going to apply for a pet insurance you should make a search for the best one. A simple search on Google for “pet insurance’ will give you many results. There is a long list of pet insurance companies, so compare them and choose wisely.

2) Often insurance companies start insuring pet from the age of six months but some does not give coverage to your pet if he or she is more than of eight years. Therefore search the most suitable insurance for your pet.

3) Some options are always there, when it comes to healthcare. If you do not want to take an expensive policy then you can search for discounts. Your discussion with a vet will give proper information about all discounts available.

Tyson J Stevenson writes on a wide variety of “every day” subjects,
most often with valuable news & reviews. Expect to see his name often.

A related resource is Affordable Pet Insurance

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