Household pets are no longer treated as the lower class animals that are fed on the floor, kept outside and taken care of at home. Instead, pets are now treated just as equally as each member of the family with a little bed to sleep on, a pretty eating dish, a place in the house and a weekend at the groomers down the street. More money is spent on the households pet than on the kids, so if your kids are insured, why not get your pet a health insurance plan as well?
1. Routine and wellness coverage. Coverage typically includes things such as annual checkups, flea and heartworm control, spaying and neutering, dental scaling and polishing, and vaccinations.
2. Illness and chronic condition coverage. This type of policy covers illnesses and common chronic conditions such as allergies, osteoarthritis, diabetes, thyroid problems, and Addison’s disease. Continuing treatment of chronic conditions or long-term illnesses, such as cancer, beyond the first policy year when it occurred may have a reduced payout or may require a rider. Be sure to understand the coverage for chronic and long-term illnesses before signing up.
Coverage typically includes hospitalization, lab tests, diagnostic tests (x-ray, ultrasound, etc.), prescription drugs, non-elective surgery, dental services, and follow-up veterinary care related to the illness. Some policies also include euthanasia in case the dog does not survive.
3. Major medical coverage. This is the coverage used to protect against catastrophic events such as accidents and emergencies. Major medical usually has low monthly premiums and high deductibles.
The coverage includes essentially the same items as listed above for illness and chronic conditions, but would be limited to only those conditions resulting from the accident or emergency. Also, any conditions from the accident or emergency that carry into subsequent policy years may have a reduced payout or may require a rider.
4. Genetic condition coverage. This is one of the most expensive types of coverage and only a few companies offer it. However, some companies offer riders for specific conditions. The cost and coverage depend largely on the breed of dog.
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There are hundreds of genetic conditions that affect dogs and some breeds are much more prone to them than others. If you are still searching for your pet, genetic conditions are something you should take into consideration when making your selection. It could save you a lot of heartache and a lot of money down the road.
Step #1 – Find Different Insurance Companies
Even though pet insurance is relatively new, there are plenty of companies offering a variety of different plans to fit your needs. Make a list of them and do some research on them as well. Find out how their claims process is, how long they have been in business, and even reviews from other pet owners. You can get some company ideas from your veterinarian.
Step #2 – Get A Quote
Once you’ve narrowed down the companies you’re thinking of getting pet insurance from, you’ll want to go ahead and get quotes from them. This is an easy process too. They’ll ask you a few questions about your pet (or pets). All you have to do is fill out the information and then based off their criteria, you’ll get an idea of how much you might pay in monthly premiums and for deductibles.
Your pet is like your next child, treat them with care and love and you should be all set. Learn the quality of a health insurance for your little pooch and felines and insure them today!
Sinji Mikami presents the following posts
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