ALL >> Insurance >> View Article
Why Take Out A Pet Insurance Policy?
It's obvious that you need insurance on your home and car, your health and even your life. But what about another important aspect of your life - your pet?
Pet insurance has grown in popularity as people have realized that health care costs for animals are often as exorbitant as hospital bills for people. Whether you're worried about a chronic health condition like hip dysplasia (common in large dogs) or a random accident, it's important to plan ahead for unforeseen medical costs for all types of pets.
You may be able to get pet insurance through your homeowners' or car insurance; many companies offer pet insurance as an 'add on'. It might be cheaper to go through your existing insurance company, as people with multiple policies through the same organization often receive discounts. If your provider does not have pet insurance, many specialty companies can help - ask your veterinarian to recommend a responsible company.
Whomever you purchase pet insurance from, you will need to make some basic decisions about what type of policy best suits your needs. Usually, there are two basic options: a base plan, which ...
... covers your pet in times of extreme illness or injury, and a routine care option, which helps pay for regular vet check-ups as well as major care costs. Some plans will pay for treatments like pet acupuncture and dermatology, while others only cover basic vet visits and common tests. Be sure to ask if your plan covers dental care.
As far as pricing, different plans carry different premiums and give varying amounts of coverage per injury. Some plans have a maximum yearly or lifetime coverage limit, a point at which they will stop paying for any treatment. Be sure you know the specific financial details of whichever plan you select - the last thing you want during a time of a pet crisis is an unpleasant surprise on your bill.
Keep in mind, just like human health insurance, pet insurance almost never covers pre-existing conditions. Some providers also have a maximum age for eligibility. Because of this, it's important to get your pet covered as early as possible, so that any illness they may develop as they age will be fully covered. Also note that most pet insurance policies don't go into effect right away; it may be anywhere from three days to a full month from application before your dog or cat is covered.
Whatever policy you choose, you will rest easier knowing you're prepared for the worst.
About the author: Nicholas writes for http://www.petinsuranceinfo.co.uk/ and you can read more details on pet insurance at http://www.petinsuranceinfo.co.uk/pet-insurance-types.html
Add Comment
Insurance Articles
1. The Ethical Considerations Of Selling Musical InstrumentsAuthor: victor12johnson
2. What Women Need To Know About Life Insurance
Author: Joffry Daniel
3. Technology's Impact On The American Music Industry
Author: micheljordan4
4. The Art Of Flute Making And The Science Behind It
Author: musicinstrumentsins
5. The Enchanting World Of Woodwind Instruments
Author: victor12johnson
6. Sustainability And Insurance: How Car Insurance Brokers In Uae Are Leading The Way
Author: Stephan Rose
7. The Composition Of Cello Music
Author: micheljordan4
8. Understanding The Different Types Of Clarinets
Author: musicinstrumentsins
9. Essential Insurance Plans For Music Store Owners
Author: victor12johnson
10. The Evolution And Cultural Significance Of Heritage Musical Instruments
Author: micheljordan4
11. The Ultimate Car Insurance Calculator For New Car Owners: What You Need To Know
Author: Stephan Rose
12. The Techniques Involved In Playing The Piccolo
Author: musicinstrumentsins
13. How Intricately The Piano Instrument Works?
Author: victor12johnson
14. Techniques Of Playing An Acoustic Guitar
Author: micheljordan4
15. The Relationship Of Bassoon With Other Woodwind Family Members
Author: musicinstrumentsins