Oct 04 2014

Do I need Pet Insurance?

I’m sure you have heard of pet insurance, but probably figured it was either too expensive or thought that whatever it cost vs. the likelihood of your pet needing it, wasn’t worth it. Well, below are ten of the post popular plans around. They can cost as low as $16 a month – Some study is needed on your part to find what best suits your needs. But, if you have ever had a catastrophic event, such as your pet being hit by a car, or breaking a leg, or getting a serious illness, pet insurance might just be a great investment in your pets’ health.
Every veterinary office and emergency room has seen the sorrow on clients’ faces when they cannot afford the care for an emergency surgery, serious illness or injury. Many times euthanasia is the only option to keep the pet from suffering. Don’t let this happen to your family, or your precious pet – for less than you might spend on coffee per month. You cannot predict what the future holds for you pets – why not safeguard their future with insurance?
Most of these plans, like plans for humans, have deductibles, limits, and stipulations as to what they will pay, what they will cover, how much they will cover, etc. Some pay for routine things like vaccinations, and some cover alternative therapies. I have included website addresses for the following companies…please visit them for more information, and call them with specific questions.

HEALTHY PAWS – www.healthypawspetinsurance.com/
This policy covers all accidents and illnesses without restrictions for hereditary or congenital conditions, as well as emergency care AND alternative care. It also includes advanced testing, surgeries, hospital stays and prescriptions. There are no caps on the claim amount.
The policy DOES NOT cover routine care and will NOT pay for exams or pre-existing conditions.

PET PLAN – : http://www.gopetplan.com/
The coverage is for illness or injury, heredity or chronic illness, veterinary exam fees, prescription medications, diagnostic treatments and imaging, cancer treatments, alternative therapies and more.
As long as you renew your coverage each year, with no lapses, your pet is covered throughout his/her lifetime – even those illnesses, such as diabetes, and arthritis that require extended treatment.

TRUPANION – http://trupanion.com/
This policy will cover up to 90% of your actual bill for medications, tests, genetic conditions and even trips to the hospital. Cost of the policy depends on whether your pet has been spayed or neutered. If not, it is more expensive.
This policy offers per-condition deductibles. There are no caps or restrictions on the payout amount.

EMBRACE – www.embracepetinsurance.com
This company offers plans for puppies, dogs, cats, and kittens. There are some age limitations.
This policy covers accidents, illness, genetic and chronic conditions. They offer wellness plans that can cost more, but will help pay for routine checkups – and up to $200 or $400 for spays and neuters.
They have many different types of plans with different specifications, limits and inclusions. Some things, like drug coverage is an add-on. This is a good insurance to get when your pet is a puppy or kitten.
I have listed the websites for the companies that seem to be the most popular. They all differ – some significantly – many of their websites have actual examples of what they have paid for certain things. Remember – knowledge is power…write down all of your questions so that you can make a very educated decision.
PET FIRST – www.petfirst.com
PETS BEST INSURANCE – http://www.petsbest.com/
VPI PET – http://www.petinsurance.com/
PET PARTNERS – http://www.petpartners.com/
ASPCA PET HEALTH INSURANCE – http://www.aspcapetinsurance.com/
PET PREMIUM – www.petpremium.com


drkclark | Uncategorized

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