The question is really one of preparing for the worst. Need pet health insurance and hope that you will never have to use. In order pet health insurance and should not be so much better than they need, not property.
Molly Bee is very cute, lovable and absolutely wonderful West Highland Terrier. Coming into my life when she was 12 weeks old, I assumed the best for her because I was getting it from a reputable AKC breeder. I had no way of knowing what is in store for her. I was not ready for the thousands of dollars I would spend in vain to save her life.
Molly Bee developed a hereditary condition that turn her liver. It was so devastating that our good vet told her the test numbers are greater than any he had ever seen. I prayed (and paid), until I could pray and pay more. Molly Bee had to be put to sleep, but when she was 18 months. I was devastated and out of thousands of dollars. The memory of pet health insurance until I read a flyer on her doctor's office, I vowed to never go without pet insurance ever again.
After six tips on what you May need to know about the subject. Remember:. In order pet health insurance and do not need it so much better than it should and that it
Most people do not consider the breed of their pets, their nature, whether or not to breed lives an active or sedentary lifestyle, and that neighborhood children or other animals, and wild and domestic, can communicate with your pet. Small children can pose a serious threat, and that the rottweiler who lives down the street or the coyote from the open spaces of the park could create a $ 1,000 vet bill with a bite of your Jack Russell Terrier.
1 Be sure to read the brochure!
as well as health insurance for humans, there are all kinds of plans that fit your budget. Most pet health insurance plans to offer 80% coverage (20% deductible or maybe $ 100 initial treatment threshold), which could grow along with your monthly premiums. For about $ 12.95 a month, you can insure your pet for most of the accidents and the costs associated with treating them in an emergency. You are likely to be better off paying as you go, or out-of-pocket for routine pet health care, vaccinations and the like.
2 When the coverage begin?
Often there will be a waiting period, usually 14-30 days, before your pet health insurance coverage begins. Make sure your vet has a well-documented good health of your pet on their last visit, so it can be said that there was no pre-existing conditions (or have this requirement waived or insured). A good time to purchase pet health insurance immediately after the visit vet.
3 Can you choose your own veterinarian?
Most of the plans you can choose your own pet health care services especially in case of emergency. I suggest you consult with your veterinarian about what insurance programs, he or she accepts the usual or normal and emergency pet health care.
4 6 million dogs and 6 million cats are diagnosed with cancer each year. Will my insurance and costs too much?
Be sure to read up on your pet's health insurance plan to see just what is or is not covered. Often, your insurance will allow you to add some coverage for additional premiums. Contact your carrier for more information.
5 Are there age requirements or restrictions on pet health insurance?
Yes, most plans do not cover the first eight to twelve weeks of your pet's life. Some plans are limited to pets up to 12 years (depending on the age of your pet at the time the insurance is purchased) and other restrictions on the breed of your pet. Great Danes, for example, usually do not live past about 8 years. And I had a cat that lived to 20 years! Most of the rules place the age and / or breed restrictions on their coverage.
6 But I have more than one pet! Can I save them so that all insurance?
Yes, most plans offer a discount (often 10% per pet), when you provide an entire "family ".
Finally, you should carefully consider all options for health insurance for your pets. Having no insurance at all is just plain irresponsible. If your pet needs immediate care and can not afford to care, contact your local Humane Society or ASPCA for their help.
Remember that pet health insurance need not be expensive, is not limited to a veterinarian, is not complicated to use, can provide coverage for general care or examinations and may be applied for online!
In any case, we would be happy to answer your questions about this important decision. Send us an e-mail or comment on this article, and we'll be back just as soon as possible.
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