Purchasing Pet Insurance

2007-03-08 10:33:40

( Insurance )



Pet insurance is now available in the US. It can cover you from the expensive veterinary bills that are charged when your pet becomes sick or has an accident. It does not cover any preventive care such as vaccinations, nor does it cover any elective veterinary care such as sterilization or neutering. Pre existing conditions are usually not covered; however some policies can cover hereditary defects such as hip dysplasia.

You also need to note that unlike human medical insurance wherein the insurance companies pay directly to the hospital for your treatments, payment is first made by the pet owner after treatment and is reimbursed after filing a claim. Reimbursements are usually subject to a certain deductible which is usually around $50-$100 and are usually underwritten or processed within 5-15 days of receiving your claim.

Most insurance companies only cover dogs and cats; this is not to discourage other pet owners however, you should still ask the insurance companies on other animals they cover. These days in the US, it is easier to make a decision on which insurance company to select, than finding insurance companies.

In obtaining pet insurance quotes, do keep in mind that there are many insurance options and you should therefore inquire about limits, deductibles and the coverage. Make sure that the coverage includes: veterinary fees, prescribed medicines, x-rays, surgery, hospitalization, ultrasound, MRI/CAT scans, endoscopy, chemotherapy, chiropractic and acupuncture treatments. Pet insurance quotes should also include unlimited accident coverage and treatment with any vet in the country. Some have special coverage plans for treatments that are not covered by standard insurance plans (it is best you check with the insurance company of your choice). Monthly cost of coverage can range anywhere from $30-40. Insurance companies usually accept applications for coverage for pets 8 weeks old up to 10 years old.

The insurance industry for pets in the US is still small but is now becoming popular. With the costs of veterinary care increasing through the years, pet insurance will become widespread. In the US, there are five prominent insurance companies namely: Healthy Pet Insurance, Shelter Care, Pets Health, RSPCA Pet Insurance, Pet Care Pet Insurance and Veterinary Pet Insurance. It is strongly advised that you contact each of these companies to get pet insurance comparisons before deciding to buy insurance for your pet.


All rights Reserved © Tradenet Services srl
Do not duplicate or redistribute in any form.