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Common Questions And Answers
About Pet Insurance
Today, we tackle some common questions about Pet Insurance.
Let's begin:
Q: My pet has always been perfectly healthy, why buy pet insurance
now?
A: If you wait until after your pet gets sick or injured, it is too
late to buy pet insurance for that event - especially if you have a
breed that is predisposed to certain diseases.
If your pet shows symptoms or is diagnosed prior to enrolling with
a pet insurer, it can be considered a preexisting condition and may
not be covered.
Keep in mind that a pet can be enrolled as early as 8 weeks of age.
Also, just like a human hospital bill, vet fees can add up even for
the simplest of procedures. Many pet insurance plans cover tests,
treatment of qualified accidents and illnesses, veterinary visits,
X-rays, MRIs, CAT scans, hospitalization, prescription food and
medications.
Sometimes, a pet's accident isn't the only thing that could be
costly, as Rose from Philadelphia learned...
After doing some research, Rose chose the company and policy that
made the most sense for her. A short time after enrolling, she
found some "lumps and bumps" on her dog, Hugo. There was blood
work, operating room expenses, lab fees and surgical fees - all of
which she was reimbursed for. But that wasn't the surprising part.
A few months after Hugo's hospital visit, Rose had a hospital visit
herself when she tore a hamstring muscle. Since Rose was temporarily incapacitated, Hugo had to be taken to a pet care
facility for three weeks, resulting in a bill of several hundreds
of dollars.
Luckily, Rose's pet insurance policy covered this, thus saving Rose a bundle! |
Q: What if I can't afford pet insurance?
A: Many companies have flexible plans just for this concern.
You can pick and choose the level of coverage and payments that
make sense for you and your pet. Companies also offer special
discounts for qualified candidates.
(these vary from company to company)
To see a pet insurance comparison of
several pet insurance plans, please visit our main page at:
www.Pet-Insurance-Information.com
Q: What if I don't get enough coverage?
A: Check with your provider, many companies will upgrade your
policy at your request.
Q: I already have a vet that I am happy with; what if my pet
insurance company doesn't cover his/her services?
A: Most companies have policies that place no restriction on which
vet you use, as long as the vet is licensed.
This includes traditional veterinarians, alternative therapists or specialists.
To make sure, ask your vet what pet insurance policies he/she
accepts.
Q: What if I don't want full coverage?
A: That's fine - there is also Emergency Care (only) insurance for
pets. Also, some companies provide up to $3,000 of coverage for only
$19.95 a year.
Q: I'm more worried about my pet ruining the walls of my rented
apartment/condo, is there coverage for renters?
A: Yes, there are programs especially designed for tenants that
cover certain accidents and illnesses as well as an approved amount
set aside to reimburse a third party for any pet-related damage.
So as you can see, there are very few reasons
not to protect your pet with pet insurance.
For less than the cost of a cup of coffee a day, you can have
the peace of mind that your pet is well taken care of.
You will also have the peace of mind that comes from knowing
that you are able to pay those unexpectedly high vet bills as they
happen, with no effect on your pocketbook.
"Our last pet's health really went south as he got older. He needed testing, x-rays, cardio test, surgeries, daily meds, etc. Therefore, being very aware of the cost, we decided to try pet insurance this time around. Thank you for your assistance. I have selected insurance for my new puppy. Your website was a very useful tool to compare companies / polices. Thanks!"
Sharon
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