You love your pets. They are the first things you see when you wake up in the morning. They lay at your feet while your eating breakfast, they run with you as you get your early morning exercise, they look heart broken when you leave them behind, when you get home from a long day at work they are so happy to see you that they can hardly contain their joy, they listen attentively as you rant and rave about the trails and tribulations of your day, at night they crawl into bed with you and keep the nightmares at bay while you sleep. What they don't do is criticize you, judge you, or abandon you.
A recent survey estimated that the average dog owner will visit the vet two-three times a year and spend an average of two hundred dollars. Pet owners who have cats will spend a little bit less. That estimate is for the normal routine stuff like sterilization (spaying or neutering), vaccinations, worming, and a heartworm test; you're normally in and out of the veterinarian's office in approximately fifteen minutes. It's hard to imagine what the trip to the veterinarian's office would cost if your pet was suffering from a really serious medical problem such as benign tumors or a broken leg.
Approximately three percent of pet owners in the United States have decided that the best way to deal with financing their pets vet bill is to purchase pet health care insurance. Pet health care insurance is similar to human health care insurance. The pet owner pays a monthly premium and when the pet has to go to the veterinarian's office the insurance company will pay a certain percentage of the bill minus the deductible.
Recent revelations in scientific research have provided pet owners with the means to now save their beloved family pets from injuries and diseases that would have caused the pet to be euthanized in the not so distant past. The sad news is that when the unthinkable happens and a pet life hangs in the balance most pet owners find that they are unable to afford the often staggering price of the treatments which can range from $3000-$10000 and some cases even more, and are forced to euthanize their pets anyway. It is in these instances that pet owners wish they had the foresight to purchase a pet health insurance policy.
Pet health insurance is similar to human health insurance. Pet owners who purchase pet health insurance plans from pet health insurance companies do so for a variety of reasons. They might be intrigued by the idea that they will be able to save on their pets annual trip to the vet or they might just be worried that if a serious health crisis develops they wont be able to afford the treatment,
Pet owners can pick from a variety of plants such as pet fatality/mortality insurance, major medical insurance, and basic medical insurance (policy names may vary from company to company.) Many pet health care insurance companies offer option a variety of additional riders to complement the pet health care insurance plan.
Mortality/fatality pet insurance is similar to human life insurance. The owner pays a premium every month the pet is alive in any event of its death the owner is reimbursed a predetermined amount of money. While the mortality/fatality insurance does not take the sting out of losing a beloved family pet it may help of any additional medical bills that accumulated at the end of your pet's life. Many owners used the check to assist with purchasing a new family pet. One thing's owners should be aware of when they possess AA mortality/fatality pet insurance plan is that most companies require that the owner contact them be for the pet is euthanized. They will often asked to speak to the veterinarian in charge of your pet's case.
Basic medical health insurance typically covers veterinarian expenses such as accidents, non-elective surgeries, hospitalization, and illnesses. One popular insurance company offers a plan that pays from cuts to cancer up to $1000; most pet owners use this plan for emergencies only. Pet owners are advised to purchase a pet health care insurance plan as early in their pet's life as possible. Many insurance companies and veterinarians point out that most freak accidents happen in the early years of a pet's life. Owners should be aware that most pet health insurance plans do not convert genetic dis-orders that develop in certain breeds and some of the more expensive surgeries. Most insurance plans also will not touch pre-existing conditions
Are you starting to despair? Don't worry two much, while many companies don't consider pets of separate species ground for a multiple pet discount a lot of those same companies have a policy that offers discounts to customers who carry more then policy with the company. The multiple policy discount usually takes about ten percent off the total bill but a good bargains shopper can find companies that offer higher discounts all they have to do is be willing to spend the time to shoe around.
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Pet health insurance is one way to prevent veterinarian bills from becoming overwhelming. Pet health insurance is insurance pet owners purchase to help cover veterinarian bills similar to human medical insurance. The chances of a pet owner being able to purchase a pet health care at the same health insurance company where they purchase their human health insurance is slim. Most pet owners will find that they have to go to a separate insurance company that specializes in pet health insurance.
Copyright Anne-Marie Ronsen
You have permission to publish this article electronically, in print, in your ebook or on your web site, free of charge, as long as the author bylines are included.
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