If you have health insurance, then just substitute yourself for a dog and voila! That is also pet insurance. Any health insurance is basically a guarantee, a standby in case document or a discounted health document. Discounted means that a portion of the cost to cover medical needs is covered by the insurance document. A pet insurance document is no different. Many of these documents have just as much stipulation as any human health insurance document. The only difference is that it covers pets and premiums may be cheaper depending on the policy type and policy provider.
How to Choose the Right Pet Insurance
I always tell my readers that having a pet is not much different than having to care for yourself or a child. The pet will have needs and you will have to fulfill them. The pet may also have needs it does not know it needs but that is where you the owner comes in. You will satisfy those needs for your pet and one of those needs is to choose the right Pet Insurance for your Cat, Dog, Horse, Pig, Ferret, whatever animal you choose to be your pet. So what really is the right pet insurance and what does this kind of insurance covers? Good question my friend, well let’s answer that the best way we know how.
Which Animals are covered by Pet Insurance?
Most animals will be covered by pet insurance. But let’s be realistic, not all animals will have or will enjoy the same coverage as others. This will depend on the characteristics of the animal, where the animal is kept, previous and present health of the animal, type of animal and of course the animals nature. Any insurance looks at risk as part of their policy plan. The riskier your pet, the higher the cost of the pet insurance may be. When pet insurance looks at risk, they look at the overhead cost that the animal may bear and how frequent. So let’s say you are insuring a very aggressive dog that had a past of biting a few people. If the pet insurance has that information the cost be higher than insuring an easy going toy dog. You will have to negotiate with some of these pet insurance providers and work out the best possible coverage for your animal.
Animals covered by pet insurance include:
The items listed below are what most pet insurance will offer, but it is not a guarantee that the pet insurance company will offer all. Some will offer just about the same or even more.
When people think accident they normally think cars. But your pet can be in any situation that has caused damage to the animal which is considered an accident. The right Pet Insurance policy will cover this.
A diagnostic test is any kind of medical test performed to aid in the diagnosis or detection of disease. Diagnostic tests can also be used to provide prognostic information on people with established disease.
Any kind of treatment for diseases which the animal may have come on.
- Hereditary Conditions
- Congenital Conditions
- Chronic Conditions
- X-Rays, Blood Tests, Ultrasounds
- Prescription Medications
- Emergency Care
- Specialty Care
- Alternative Treatment
Pet Insurance Exclusions
There may be some things which the pet insurance does not cover, this may include preexisting conditions, preventative care such as vaccinations and tick and flea prevention or dental care. Ensure that you speak to the pet insurance provider about what the insurance does not cover. Remember that a insurance plan for a dog or cat may be different. You can save money by asking for a multi pet insurance if you have more than one pet to insure.