Get Pet Insurance: Protect Your Furry Family Member!
Medical costs are constantly rising and that includes the fees you pay when your pets are sick unless you have invested in pet protection.
You can help save on those costs and we can help you find the right plan with the best rates and most comprehensive package available. After all, your pets are part of the family. Why shouldn’t they be covered the same way you are?
Pet insurance is available for cats, dogs, birds, and exotic pets, such as amphibians, rabbits, snakes, and other unusual animals that have made their way into your heart and home.
Veterinary bills can be just as costly as human medical bills and any form of help that you can get to keep your furry family member healthy will save you plenty of money in the long run.
Pet cover plans help you keep the vet bill to a minimum by reimbursing eligible expenses, such as accidents, routine preventative care, illnesses, office visits, lab fees, x-rays, testing, hospitalization, prescriptions, and diagnostic testing. Most companies offer a variety of policies that cover everything from the basic care to extended long term care.
Comprehensive Pet Insurance
If you have a prize winning show animal, or an active, outdoor, or pampered pet, you will want to look into the most comprehensive pet protection coverage available. Show animals tend to be pure bred and unfortunately pure breeds can have a variety of medical issues that are inherent to their breed.
Plus, most of the highest reimbursement plans will help pay for illnesses such as cancer if you feel that your pet has plenty time left to offer and the concept of euthanasia is not an option for you.
Some of the things that may be covered for your cat or dog in their pet insurance policy could include but is not limited to: allergies; asthma; bladder infections;
Cardiac arrest; diabetes; ear infections; epilepsy; surgery; fractures; hot spots; hypertension; Lyme disease; pneumonia; root canals; strokes; tumours; and ulcers.
What Pet Polices Cover
There is also a policy available that covers simple routine care, such as vaccinations, yearly visits, teeth cleaning, spaying and neutering, and other yearly maintenance items.
Of course, on the flip side of the coin there are things that the pet insurance does not cover. Pre-existing conditions are those that the animal had prior to getting their insurance.
If the condition is temporary and your pet has been free of it for at least six months, it may be covered later down the line. Congenital defects or diseases, and hereditary diseases are not usually covered. ACL injuries that occur within the first twelve months of the policy are not covered. There are also cat and dog breed specific problems that are not covered.
Make sure that you get a fill listing of illnesses and conditions that the insurance will not cover prior to making a decision about purchasing it.
Pet Insurance for Exotic Animals
If your pet happens to a bird or some other form of exotic animal – hedgehog, potbelly pig, iguana – you can secure pet insurance for them as well. These pets are vulnerable to a variety of different medical conditions and needs than their cat and dog counterparts and you will definitely find out what is included in the insurance coverage for them.
A good comprehensive plan will offer medical treatments and surgeries, minor treatments, lab fees, x-rays, prescriptions, hospitalization and illnesses.
Before you make the final decision on the pet insurance that is right for you and your pet, ask yourself a few questions to make sure the policy is as comprehensive as possible. Due diligence is important for any major decision that can cost you money, and this is no exception.
1. Is the insurance company stable?
You do not want to get your pet insurance from a place whose track record is less than optimal.
2. Is the company’s staff well trained and professional?
The last thing you want is to talk to a representative who does not know their own policies.
3. Has the insurance company been recognized by veterinarians?
This is important because if the vets won’t recommend them of their own free will from experience, the company may not be reliable.
4. Are the policies annual with good renewal terms?
You do not want to pay an outrageous premium.
5. Does the insurance company provide for routine care?
Routine care really is the biggest and only expense for most pet owners.
6. Has the representative adequately explained what is covered and what is excluded?
If you have a pet that is predisposed to breed specific problems, you need to know whether or not the pet insurance will cover expenses related to it.
7. Does the pet insurance limit you to a network of doctors and do you have to pre-qualify for your pet’s treatment?
Keeping your established vet means a lot to people.