Veterinary Pet Insurance

A few months ago my husband and I took a cruise and where we have had to put our two beautiful dogs into the kennels for the past few years when going away, our daughter and her husband agreed to come and dog sit for us. When we got back we wished we had Veterinary Pet Insurance as one of the dogs fell ill while we were away.

Now I have to say that my heart sank when I found out that they had to take my precious dog to the vet because she had hurt her neck by jumping up and catching her back on a table. The news was not good my precious Tilly was on steroids and being taken care of at the veterinary practice because they discovered a compacted vertebra in her neck!

Cost is not a problem when it comes to my dogs but I have to say I was a little horrified when we got back and went to collect Tilly from the vet to discover a bill for over $3,000 for care, medicines and a neck brace (which did look very silly). That turned into one very expensive trip to the vets for little Tilly.

It was then that I realized that had I taken out Veterinary Pet Insurance then Tilly's trip to the vets would have been much cheaper if I had the dogs covered. This turned into a very expensive method of finding out how much I could have saved in having veterinary pet insurance.

My father always used to tell me that the one thing you can never have enough of is insurance and in this case he was more than correct as I could have taken out the veterinary pet insurance for both dogs for a lifetime for what that one trip ended up costing me!

Find more valuable information and the best places to get your insurance quotes from at Online Insurance Advice

 

Because a Cat Has Nine Lives Does it Need Pet Medical Insurance?

By Ralph Cramdin

I have been thinking about the logistics of getting my house cat Trixie pet medical insurance. And no matter how I look at it, no matter how I twist the numbers and skew the data I keep coming back to this one question - if a cat has nine lives what is the point of getting it pet medical insurance?

Now I cherish and adore my cat Trixie very much. She is the apple of my eye and the tulip of my nose. I have had her since she was a mischievous little kitten and she is like family to me. There is nothing in the world I wouldn't do for her.

Like the other day she was in a sour mood and was moping around the house. She was hissing at shadows and sticking her nose up at me like she had airs about her. Now there is one thing you should know about Trixie and that is she is a very sweet cat and very rarely does she have a hissy fit.

When Trixie gets into a mood like this I immediately think of ways I can cheer her up. I use to juggle when I was younger so I got 3 bananas and started juggling them to see if this would entertain her and get her out of her sour mood.

Well, it didn't.

I then started making funny faces at her. I stuck my tongue out at her and crossed my eyes at her and stuff like that. This didn't work either. So then I started doing tricks for her. I rolled over and did a somersault and then I hopped on one leg and then I did a silly dance that usually has her falling on the floor laughing and holding her sides.

But this didn't work either.

Finally, I took out my accordion and played Beethoven's 9th Symphony. That did the trick. The sour mood left Trixie like air out of a tire. There is nothing like beautiful music to tame the soul of a wild beast. As you can see I care for my Trixie very much.

But because she is a cat and a cat has nine lives - what is the point of getting her pet medical insurance? If I look at this sanely and logistically the answer is no. But if I look at it with my heart and my emotions the answer is yes. It would put me at ease and give me a little peace of mind.

Or maybe I should wait until she has used up 8 of her lives and then get her pet medical insurance for the last one?

(c) All rights reserved

I just can't decide and its driving me nuts. Whether to get pet medical insurance or not. I can't sleep and I'm losing my hair. The story is here Pet Medical Insurance.

Pet Health Insurance - Why It's So Important

by Susan Koranki

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.

Although the US lags behind most of Europe in terms of how many domestic pets are covered by pet health insurance, it is beginning to catch up. More and more pet owners are realizing just how important good pet insurance can be!

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. No pet lover ever want to find themselves in that situation.

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, you'll also find may differences between pet insurance companies and their individual policies. Before you make a decision, read the small print carefully and don't be afraid to 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. Always check to see if the pet insurance provider you're considering, offers any 'extras' such as an informative newsletter, or even discounts on pet supplies/service.

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. If your pet was to become suddenly, and seriously, ill or injured, having a comprehensive pet health insurance plan in place could make all the difference in the world.

A pet health insurance policy can help you live up to the commitment you made to provide your pet with good veterinary care, and to keep him healthy and safe. Good health care is not a luxury, it's a necessity, and pet health insurance can make it easy to provide.

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?

You can get more free information about pet health insurance at http://www.the-puppy-dog-place.com/pet-dog-in

About the Author

You can get more free information about pet health insurance at http://www.the-puppy-dog-place.com/pet-dog-insurance.html Learn how to protect yourself and your pet today.

How to Save Money on Your Pet Insurance

Here in Britain we are a nation of pet lovers and treat our pets like we do ourselves and our children, this includes giving them the best food, treats, toys, care and of course the best in health care by way of a vet. However when it comes to our pets they can also cost us a fortune, especially if you should have to visit the vet. However much we love our pets the bills for x-rays and medication can be sky high, however you can insure your pet. Insuring your pet doesn't have to as expensive as you might think and could save you money in the long run.

Insurance for your pet isn't limited to paying out when it comes to vet bills, most insurance taken out for your pet includes for other eventualities that can arise. For example should your pet be stolen then most insurance companies will pay out for a reward offered.

One way of having money for any eventuality to cover your pet, is to not actually go with an insurance company but instead set up an account which is solely for your pet and deposit money either as a lump sum or put away a little each month and allow it to build up in case you should need it. This can often work out cheaper than paying actual premiums through an insurer.

However if you wish to go with an insurer then shop around for the best deal with the cheapest premium, things you should take into account when it comes to purchasing insurance include the amount of excess that you pay. If you pay more excess then your premium will be lower.

Also watch out for hereditary conditions being excluded, many breeds have certain conditions which are know to be passed from generation to generation so make sure your pet doesn't fall into this category or insurance could be worthless.

Finally take into account if there is a maximum pay out limit per year. Some policies will only pay out to a set limit, if you have an older animal that needs regular treatment then it might not be covered.

About the Author

Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit our Pet Insurance Directory.