Insurance Info

The countryside may be over run with rabbits and we see their fluffy little white tails nibbling on the grass verges and roundabouts but we still choose rabbits as the most popular pet after cats and dogs. They make great pets and can be kept outdoors in a shelter such as a rabbit hutch. They are quite versatile and so can also be kept indoors, don’t worry you can train rabbits to use a litter tray.

So if you do already have a pet bunny or are planning on getting one for yourself or the kids you need to consider the health options for your new pet. We all know that when your pet becomes unwell you can take them to the local veterinary clinic to get them checked out.

Like us they suffer from both minor ailments and more major conditions. There are now many different breeds of rabbit that have been breed specifically for their looks and nature. This also means that different breeds can suffer from different conditions that are more common to them because of their breeding. Continue reading ‘Considering Rabbit Insurance?’ »

Taking your dog, cat, bird, or any other beloved family pet to a veterinarian, especially in an emergency, can be extremely costly. A pet insurance plan can help by insuring that this special family member is covered in the case of emergencies, illnesses, accidents, even regular treatments and prescriptions.

As with anything else, pet insurance can be very expensive. It’s important to understand that the cheapest pet insurance plan may not be the best. Much like buying coverage for people, what constitutes the “best” will depend on what is important to you. For some people, getting a policy that provides “catastrophic coverage” is all they want. The main purpose is that if something were to occur like a serious injury, debilitating illness, etc., then the owner would be covered for the high vet bills, hospitalization, or treatment. This coverage comes at a price. The higher the coverage, the higher the premiums and / or deductibles will be. And as with “people” plans, the specifics of what is covered, what isn’t, the coverage period, and other aspects must be thoroughly understood. That said, health care coverage for your pet doesn’t have to break the bank. Some questions you should ask before committing to a policy include:

* Should I get a pet insurance plan now, or wait until my pet is older?
* Can I use licensed veterinarian worldwide or do I have to use only certain doctors?
* Is there a list of vet’s that are covered, and are there any nearby?
* Do I have to pay at the time of my pets visit or service, and is there a co-payment?
* Once I get my policy, how long is it before I can use any of the covered services? Continue reading ‘Insurance For Your Pets’ »

Have you ever pondered the question “should I buy my pet health insurance?” Many people talk about how important their pets are to them but never do anything to ensure they stay healthy. They don’t think about their pet’s health until their pet is injured or sick. Your pet’s health is important!

Do you ever wonder why we as owners take good care of our pets when we first get them but somehow forget as they age? Usually cats and dogs are healthy when they are young, but as they grow into their later years of life they encounter more problems. This is why it is so important to take your pet to the vet for routine checkups and vaccinations. Many times a veterinarian will be able to diagnose a problem while it’s in the beginning stages. Usually, a pet owner won’t know anything is wrong until their pet displays unusual symptoms, sometimes at that point it’s too late. Keep in mind that your pet can’t tell you when they are sick, so if you see your cat or dog displaying irregular behavior that may mean something is not right. Continue reading ‘Is Pet Health Insurance Right For My Pet?’ »

Is cheap dog insurance really the way to go? If you really care about your loved one then the answer is absolutely not! A lot of people base their search on price alone. This is a mistake and I say this for three reasons: First, your coverage is limited. Second, cheap pet insurance usually means poor customer service. And third, claims processing will be a headache. Lets cover these in detail.

First, buying cheap is the wrong move if the coverage is insufficient. For example, if your plan covers accidents only then you will be stuck with high bills when an illness occurs. The chance your dog gets sick is significantly higher than getting hit by a car. Continue reading ‘Cheap Dog Insurance – What You Should Know’ »

Unexpected high vet bills can make you feel insulted on top of being worried about your injured or ill pet.

Sixty percent of pet owners in the UK are not taking out pet insurance for their companion animals and so carrying the risk to be overwhelmed by the costs of even basic veterinary care. The right pet insurance coverage will help to provide the necessary funds.

If you shop around and compare pet insurances, you will find that getting the best deal is not always easy: “wading” through the jungle of exemptions and possible impossibilities can be dreadful. Continue reading ‘Pet Insurance Policy – What is it Not Paying For?’ »

Today more and more caring pet owners are looking to find pet insurance online; searching for a policy that will not only be kind to their budgets, but also offer ample protection in the unfortunate event their beloved pets need some type of medical attention.

Pets have become an integral part of the entire family in many households throughout the UK; with millions of dogs and cats, not to mention the horses, birds, fish, or exotic pets, all making themselves right at home with us.

As responsible pet owners it’s up to us to see to it that we’re doing everything we can to make the animals we own safe, well cared for, and as healthy as possible. Continue reading ‘How to Find Pet Insurance Online’ »

Besides the obvious limits that are stated in an insurance policy such as annual maximum, per-incident maximum, deductible, and co-pay amounts, there is another variable that isn’t so obvious that is an important factor in determining how much a pet owner is reimbursed by the insurance company when they file a claim. Insurance companies figure their reimbursements in one of three ways:

1. A simple computation based on whatever the veterinarian charges. For example, if the total invoice is $2000 and everything on the invoice is a covered item and the deductible is $100 and the co-pay is 20%, the reimbursement would be:

$2000 – $100 = $1900 x 80% = $1520.

This is the easiest method for pet owners to understand and generally gives pet owners the largest reimbursements. Since it is based on the actual charges of the veterinarian, it keeps up with inflation. Most of the newer companies use this method. One criticism of this method is that premiums may rise faster because the only limit on reimbursements of covered expenses is whatever the veterinarian charges. Continue reading ‘Pet Health Insurance Reimbursement Models – What Pet Owners Need to Know’ »

The fact that an incredible majority of the population have 4-legged family members has lead a number of different companies to develop products and services geared specifically toward pets and their owners. Although many consumers may not understand the important role that animals play, most pet owners treat them as valued additions to the family and some go as far as treating them like children.

There is no doubt about the expenses that can quite easily accrue with regards to food, care, and health. Many individuals report that they spend thousands of dollars on their pets each year, but few realize how costly it can be when an pet reaches the end of their life. Continue reading ‘My Cat Wants Her Own Life Insurance Policy’ »

Vets are expensive there is no two ways about that what with all the equipment and the different types of treatments that are now available for treating your dog. While the majority of dog owners now hold some form of pet insurance and while it is necessary to make provision in case your dog does need medical attention I want to suggest that there may be a better way to insure your dog than by just buying an over the counter pet insurance policy.

To my way of thinking there are two types of insurance: the first I would call ‘primary’ insurance that’s the type of insurance you take out to cover you if your house burns down, if you have a serious car crash, or members of your family need long term medical treatments. Continue reading ‘Don't Buy Pet Insurance’ »

Your pet is part of your family. Most people would wholeheartedly agree with this statement. And the truth is, a pet can cost you plenty over its lifetime, especially in instances where he or she gets sick. So it could be wise to at least consider pet insurance.

Many people don’t realize that insurance for your pet even exists. That’s because it is a relatively new concept. And the fact is plans for your pets can be more comprehensive than your own healthcare plan. There are all kinds of ways that an insurance company can structure the plan so that you are happy that your pet is covered without costing a whole ot of money. Continue reading ‘Should You Consider Pet Insurance?’ »