Myths And Facts About Pet Insurance

Myth: All pet insurance companies work exactly the same as an HMO.

Fact: Not true! There are major companies with the following characteristics:

- No limitations on what licensed veterinarian you may use
- Pay at the time of the service vs. co-payment
- The ability to file a claim for reimbursement instead of using a medical card and number

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Myth: Filing a claim is too complicated.

Fact: Companies actually make it quite simple.

Claim forms may be downloaded right from their website, in most cases. 

In fact, Arndt from Phoenix, Arizona said that his claim was "processed faster than anything [he had] ever seen!" 

Dale from Rowlett, Texas and Falter from San Diego, California also said that their claims took only a couple of days to process and their companies were "prompt, efficient, and very courteous as well!" 

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Myth: It's better to wait until I talk to my family to buy pet insurance.

Fact: You can get your money back. 

Check with your chosen provider first, but often, there is a time limit after enrollment when a pet owner can receive a refund of their premium, if they change their mind.

Besides, this might be just another one of those things that may never get done. (Hey, we all have a list like that, don't we?)

We suggest that you protect your pet right away - in case something happens - this way you're sure to have peace of mind should an unexpected event land your pet in the hospital.

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Myth: Pet insurance is more expensive than my health insurance.

Fact: Pet insurance is actually much less expensive than human insurance.

The reason it seems so high is that many owners end up bearing the brunt of all the expenses because they do not have pet insurance. There are pet insurance plans as low as 15$ a month, saving you potentially thousands of dollars in unexpected veterinary bills. 

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Myth: My pet is too young for pet insurance

Fact: If you put off this important decision, your pet might become too old to qualify. 

It is best to enroll before symptoms of a pre-existing condition or illness occur, to make sure your pet is going to be covered for anything he/she might need. Enrolling your pet as a youngster can also mean locking in your rate until they reach maturity. 

Dogs and cats older than 10 years are sometimes not eligible for enrollment. (check with your provider) Also, young pets can be as fragile and curious as a newborn, putting them at high risk for accidents. 

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Myth: Indoor pets don't need insurance.

Fact: A lot of accidents still occur within the home. 

Even if your house is 100% accident-proof, there is still the risk of hereditary diseases or dental problems, just to name a few.  

As with your own health, it is always best to get regular check-ups to detect critical health issues early, for the best chance of recovery.

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Myth: I'll just save my money now instead of paying for insurance. 

Fact: There is no guarantee that what you save will cover all the costs of a future illness, accident or surgery.

The concept of saving your money up to cover possible pet emergencies is a smart idea, if you have the discipline to really follow through. 

But this concept also assumes that nothing will happen to your pet until much further in the future when that piggy bank is fuller.

But what happens if there is an emergency in the immediate future?

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Myth: It is too expensive to insure all my pets.

Fact: Some companies offer a multiple pet discount.

Too often, pet owners wait until one of their pets has a serious illness before they buy insurance for all of them. 

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Myth: Pet insurance is only for dogs and cats.

Fact: Pet insurance companies can accommodate practically any pet owner. 

Pet insurance can also include birds, guinea pigs and exotic animals. It is just a matter of finding a company that fits you. 

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Myth: I need a credit card to enroll.

Fact: There are several other payment options. 

Companies also accept debit cards, checks and offer monthly payment options to make it as easy for you as possible.

For an excellent comparison of four of the top Pet Insurance plans on the market, be sure to visit our main page at www.Pet-Insurance-Information.com 

You can get some complimentary quotes from several pet insurance companies as well as more information about each plan.

"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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