Pet Insurance Plans have been available for years. However, they have tended to be limited to high price race animals or show animals. However, as pet ownership and an aging population with the desire of many to have a 4-legged companion coupled with rapidly rising vet costs, Pet Insurance Plans have increased rapidly (I know that was a long sentence).
While the large insurance companies are beginning to enter this market, they are still a bit behind the times with coverage. That will change over time as they realize the importance of the market. However, I have presented a few of the TOP Pet Insurance Plan providers (right sidebar of this page). All have high rankings (9+) and all offer several options and prices depending on your pet’s age and condition and your financial condition. However, typically most plans range in price from $10-50 per month with variable deductibles. Just “click” on the image to the right for a free quote and comparison.
Real Pet Insurance is a “pet” project (yes pun intended) for me. I have have a few dogs, cats and horses over my life but mainly dogs lately. I have watched vet costs escalate rapidly over the last number of years and many people that have pets cannot pay for the really significant costs associated with some accidents or illness of their pet. Most people that I know would go without something for themselves before they would let their pet be without. That may seem crazy but it is reality.
This is where Pet Insurance Plans can be of great value. Most people can pay for the typical issues that pets are faced with, e.g. food, vaccinations, flea controlPet Insurance Plans etc. However, like people, pets have accidents and genetic problems that can arise at anytime. However, like people, these health problems tend to increase with age (accidents of course can happen at any time). All of this can result in very expensive health (Vet) bills that can really stress your financial condition.
This is where Pet Insurance Plans can be a great help.
Your pet can have many of the same health problems as humans including diabetic, kidney, liver organ and heart problems, thyroid issues and cancer. You may already know pets age faster than people. Do you keep in mind how you figure your own dog’s age in canine years – many use seven years for any dog for 1 year for people? Since you take your dog to the vet annually to have a check-up, this is like taking them once every seven years (more than that for really young dogs).
Your dog or cat should get diagnostic testing comprising a complete blood cell anal;sis along with a serum chemistry profile. These results will offer the vet info regarding specific organ features and your pet’s general health. Wellness screening helps find a disease in the early treatable phase and helps your veterinarian get a baseline to detect subtle modifications over time. As well as the vet is going to take a complete background of your pet’s action and behavior and provide, a comprehensive physical examination. Pet Insurance Plans really are a bit different based on your pet’s age. Many vets are actually offering specific applications geared toward senior canines.
Although this all sounds excellent, the question a lot of us have is actually how do we pay for all of this? Based on the 2011 Veterinary Care Usage Research, the cost of veterinarian care often overrides a good owner’s loyalty for their vet. Meaning you may have to choose between treating you pet and feeding yourself – difficult choice. As a result many pets are “put to sleep” instead of paying for treatment.
Pet Insurance Plans The research shows that twenty six percent of owners surveyed are actually looking for methods to reduce veterinary treatment and would consider changing to a Vet practice which was less expensive.
With that in mind, nearly half of the owners surveyed indicated they would bring their own pets to their veterinarian more when the practice offered the monthly-billed or annual wellness strategy.
Luckily there is a method to make a Pet Insurance Plan economical. A few pet insurance providers actually offer some form of “wellness benefits plan.” Though it is far from insurance coverage; it’s a lot more like an allocation (with bonus cash) that you could spend on routine care for example wellness examinations, preventive surgery as well as prescription diet meals. This is similar to people’s Health Savings Accounts.
Pet Insurance Plans have changed considerably plus some of the plans now cover things like chiropractic, acupuncture therapy, homeopathic, alternative, veterinary orthopedic adjustment (VOM) and therapeutic massage, hydrotherapy as well as rehabilitation. Based on claim histories insurance companies report which vets are using alternate therapies to treat various conditions such as: post-operative pain through orthopedic illness or injuries, cancer, allergy symptoms and skin issues as well as epilepsy.
As Pet Insurance Plans have developed there are a number of points that you should evaluate to pick the one that best fits you pet and your financial condition:
Costs vary but you can find good plans from $15 -75 per month
What are the deductibles, $100, 250, 500 per year?
What is the per accident or incident limit?
What is the lifetime benefit?
Do they cover: Accidents, Illness, Hereditary or Behavioral conditions, Pregnancies, Burial/cremation? To name a few.
These are just a few points but should act as a guide when evaluating a Pet Insurance Plan
If you wish to protect your dog without having to be worried about having to sell your home consider purchasing Pet Insurance Plans that also contains a wellness system.
While the large insurance companies are beginning to enter this market, they are still a bit behind the times with coverage. That will change over time as they realize the importance of the market. However, I have presented a few of the TOP Pet Insurance Plan providers (right sidebar of this page). All have high rankings (9+) and all offer several options and prices depending on your pet’s age and condition and your financial condition. However, typically most plans range in price from $10-50 per month with variable deductibles. Just “click” on the image to the right for a free quote and comparison.
Real Pet Insurance is a “pet” project (yes pun intended) for me. I have have a few dogs, cats and horses over my life but mainly dogs lately. I have watched vet costs escalate rapidly over the last number of years and many people that have pets cannot pay for the really significant costs associated with some accidents or illness of their pet. Most people that I know would go without something for themselves before they would let their pet be without. That may seem crazy but it is reality.
This is where Pet Insurance Plans can be of great value. Most people can pay for the typical issues that pets are faced with, e.g. food, vaccinations, flea controlPet Insurance Plans etc. However, like people, pets have accidents and genetic problems that can arise at anytime. However, like people, these health problems tend to increase with age (accidents of course can happen at any time). All of this can result in very expensive health (Vet) bills that can really stress your financial condition.
This is where Pet Insurance Plans can be a great help.
Your pet can have many of the same health problems as humans including diabetic, kidney, liver organ and heart problems, thyroid issues and cancer. You may already know pets age faster than people. Do you keep in mind how you figure your own dog’s age in canine years – many use seven years for any dog for 1 year for people? Since you take your dog to the vet annually to have a check-up, this is like taking them once every seven years (more than that for really young dogs).
Your dog or cat should get diagnostic testing comprising a complete blood cell anal;sis along with a serum chemistry profile. These results will offer the vet info regarding specific organ features and your pet’s general health. Wellness screening helps find a disease in the early treatable phase and helps your veterinarian get a baseline to detect subtle modifications over time. As well as the vet is going to take a complete background of your pet’s action and behavior and provide, a comprehensive physical examination. Pet Insurance Plans really are a bit different based on your pet’s age. Many vets are actually offering specific applications geared toward senior canines.
Although this all sounds excellent, the question a lot of us have is actually how do we pay for all of this? Based on the 2011 Veterinary Care Usage Research, the cost of veterinarian care often overrides a good owner’s loyalty for their vet. Meaning you may have to choose between treating you pet and feeding yourself – difficult choice. As a result many pets are “put to sleep” instead of paying for treatment.
Pet Insurance Plans The research shows that twenty six percent of owners surveyed are actually looking for methods to reduce veterinary treatment and would consider changing to a Vet practice which was less expensive.
With that in mind, nearly half of the owners surveyed indicated they would bring their own pets to their veterinarian more when the practice offered the monthly-billed or annual wellness strategy.
Luckily there is a method to make a Pet Insurance Plan economical. A few pet insurance providers actually offer some form of “wellness benefits plan.” Though it is far from insurance coverage; it’s a lot more like an allocation (with bonus cash) that you could spend on routine care for example wellness examinations, preventive surgery as well as prescription diet meals. This is similar to people’s Health Savings Accounts.
Pet Insurance Plans have changed considerably plus some of the plans now cover things like chiropractic, acupuncture therapy, homeopathic, alternative, veterinary orthopedic adjustment (VOM) and therapeutic massage, hydrotherapy as well as rehabilitation. Based on claim histories insurance companies report which vets are using alternate therapies to treat various conditions such as: post-operative pain through orthopedic illness or injuries, cancer, allergy symptoms and skin issues as well as epilepsy.
As Pet Insurance Plans have developed there are a number of points that you should evaluate to pick the one that best fits you pet and your financial condition:
Costs vary but you can find good plans from $15 -75 per month
What are the deductibles, $100, 250, 500 per year?
What is the per accident or incident limit?
What is the lifetime benefit?
Do they cover: Accidents, Illness, Hereditary or Behavioral conditions, Pregnancies, Burial/cremation? To name a few.
These are just a few points but should act as a guide when evaluating a Pet Insurance Plan
If you wish to protect your dog without having to be worried about having to sell your home consider purchasing Pet Insurance Plans that also contains a wellness system.
No comments:
Post a Comment