Monday, March 31, 2008

Is Pet Health Insurance an Option?

Most pet owners aren’t aware that health insurance for their loved animals has been available for about 15 years now. However, both the availability and restrictions on most plans have made this type of health insurance out of reach for most pet owners.

Interestingly enough, pet health insurance has changed in the past couple of years. Now, animal owners are able to afford medical procedures previously prohibitive because of the cost. But many skeptics are concerned that health insurance for pets will see an increase in the red tape us humans already encounter every day.

Animal medicine is one of the few health care services that isn’t financially dependent on health insurance. Medical, dental, surgical and pharmaceuticals are all pretty much covered by health insurance in humans, but veterinary patients are responsible for all of that, themselves. Or, at least their owners are.

Health insurance for pets is very similar to insurance for humans. The same fees, deductibles, coverage rates and plans are all in place, with different plans based on the age, species, and general health of your pet.

Most health insurance policies for animals start around the 6-8 week range, but when the policies end depend on a variety of factors, mostly decided by the health insurance company. Some have age limits, and some don’t.

And just like with humans, some health insurance companies will only accept your pet on their plan if they are healthy; others will accept them only if they have had a stable condition for more than six months in a row.

Currently, deductibles stand around $100 for pet health insurance. Policy costs vary as much as human health insurance does, unfortunately. Some depend on what types and kind of coverage is desired, and yet others are just blanket coverage catch-alls. Some may only cover accidents and illnesses. And more pets usually means a reduced health insurance rate for subsequent animals.

But what if you decide that an health insurance policy is not right for you, and your pet? There are other options, of course!

First, discuss your situation with your Veterinarian. Some animal hospitals offer packages that aren’t quite health insurance, but can offer a rate deal of some sorts on more mundane medical procedures (spaying/neutering, vaccinations, etc.), or packages for your aging animal.

Secondly, research plans that offer discounts on animal health services. Pet Assure is one of these companies, but there are a myriad of not-for-profits that may offer this as a side benefit when you join. Or, these same animal not-for-profits may offer financial assistance for pet owners whose health costs are beyond their means – a sort of emergency fund, if you will.

All in all, it depends on you, and your pet(s), whether or not pet health insurance is the right choice. Hopefully, with the help of this article, your choice will be an informed one.

resource:www.articlesnatch.com

Monday, March 24, 2008

Five Main Advantages To Get Pet Insurance

Every one wish their pet must keep healthy like their kids that’s why they take extra care and also protection for your pet. In USA most of the household have pet of their choice. Looking to this fact there are several insurance company offer different insurance policies to protect your loving pet. There are five good advantages to get coverage for your insurance.

1. Pet is like your family members so you also want to keep your pet healthy every time but in case any unforeseen circumstances if your pet get injured or seek you must have to get the treatment immediately. It is going to be extra burden for your define budget. Looking to this fact it is essential to get the insurance coverage for your pet.

2. Some insurance policy covers not only cover emergency treatment but also cover everyday care like vaccinations and normal operation such as sterilization and removing ovaries. The claim process will be the same your veterinary practitioner gives veterinary bill paid by the client and the client need to give it to the insurance company for reimburses.

3. Under the HMO policy, the veterinarian submits the document on behalf of you. You need not to bother about the payment to your veterinarian. It is one of the most famous policies amongst pet owners in USA.

4. Taking pet insurance is a wise step because it is comparatively very cheap depends on age and other condition of your pet premium is maximum $500 per annum. If you don’t have pet insurance your spending on vet fees must be more than the $500 per annum. It is IDEAL to have pet insurance.

5. The proper insurance coverage will save the life of dog or cat because every year 3 to 4 million dogs and cats went to painless death in the United States because of not getting proper treatment on time.

The pet insurance is one of the important for those who have passion to have a pet. You must have to take care of your pet like your child. It is MOST ESSENTIAL to protect against endanger diseases.

resource:www.free-articles-zone.com

Saturday, March 15, 2008

Why You Need Pet Health Insurance For Your Cat

I have four cats and I am also an animal lover in general so I am always astonished at people's attitudes when it comes to pet health insurance for cats or any other animals. If you own cats then pet health insurance for cats is something you should seriously consider as cats, even indoor cats, are just as prone to health issues as dogs and in many cases cats may be more prone than dogs.

If you have multiple cats, which many people that own cats do, then pet health insurance for cats makes even more sense because when something affects one of your cats there is a good chance it will wind affecting all of them and if you have four like I do then that can get very expensive. So if you own cats then do yourself a favor and get some pet health insurance for cats.

When you talk to the average pet owner you get different responses when you just mention something as important as regular veterinary check ups. People will say things like "Well if there is nothing wrong with my pet then I usually don't bother taking them to the vet" or some such nonsense. People that own pets with that sort of attitude should have their pets taken away and given to pet owners with common sense.

Pets, especially cats, have an incredibly high threshold for pain and suffering. A cat will suffer right before your eyes and you may never even know it. A cat could be suffering for years with an ailment and if you don't take it to regular vet appointments you may never know your cat is suffering. Pet health insurance for cats can help you be a better cat owner by not only making sure you get your cat to regular appointments because they are covered by the pet health insurance for cats but you can now afford any procedures and medications your cat may need because you pay that small fee per month for coverage.

Love 'Em Or Hate 'Em The World Has Lots Of Cats

Being a cat lover I could never understand people that hate cats and even like to torture and abuse cats. If you ever see a cat in that situation do the humane thing and rescue it and then do the decent thing and punch the offending human in the face. But you never know what will happen to your cat as it wanders the world in the case of an outdoor cat or as it wanders your house in the case of an indoor cat. Whatever may happen you are ready to care for your cat if you have pet health insurance for cats. No matter what comes up you will be prepared as any good pet owner should be.


resource: www.ezinearticles.com

Wednesday, March 5, 2008

Pet Insurance - The Affordable Way To Save Your Dog's Life

When you are looking for a low cost pet insurance online, you are probably OVERWHELMED by all of the ads and claims made. You are probably not thinking of looking into a top pet insurance. Or maybe you are?

Depending on the coverage you KNOW you need, affordable pet health insurance could be the answer! Insurance for dogs isn't as intimidating once you've found a cheap plan you can count on to cover all of your pet's needs. And of course, you just never know when there will be an accident, and because of high cost Vet bills, you are forced to make a decision that you don't want to. Just imagine when something happens, and the procedure to save your pet's life is more expensive than you are able to do. Please don't be in such a situation.

Did you know that you can have a basic dog medical insurance, for as low as.... $10.95 a month? That's good news! But what does this basic plan cover?

Quick Care's basic plan covers up to $2,000 in accidental ingested items that need removal, up to $2,000 for medical treatment of injuries from any motor vehicle accident. up to $2,000 for bone fractures NOT caused by a motor vehicle accident.. up to $1,500 for the treatment of poison ingestion... Up to $500 for accidental lacerations, such as cut pads, or a bite from another animal, or abscess. Up to $500 coverage for any accidental burns.. up to $500 coverage for the treatment of allergic reaction to insects' bites or stings.

Also, if there is an accidental death of your insured dog, the original purchase price will be reimbursed to you, but only up to $500.

Hey, that’s just the starting plan. $10.95 is pretty affordable for all you see here, isnt it? There are plans that cover a lot more than this, if you want to be more prepared in the case of a medical emergency.

Resource: www.ezinearticles.com