Pet Dog Insurance - Comparing Pet Dog Insurance Plans
One of the recent trends that are making life easier for all dog lovers everywhere is the universal availability of pet dog insurance
. If you have this kind of insurance for Fido and he becomes sick or injured, then he won't face euthanasia just because you can't afford to have him treated.Before you decide whether to buy pet dog insurance, ask yourself whether you consider your dog to be a part of your family. Is he a companion to you? Does he mean a lot to your children? Will his loss represent a huge rip in the fabric of your comfortable family life?
Some people decide ahead of time that if their pet becomes sick or injured, they will have him treated up to a preset monetary limit. Most people who are going to euthanize the pet will do so when costs exceed $200-$300. If you don't feel that you can live with that kind of limit, then you probably need to have the insurance. The good thing is that it is easier to find and less costly than you would imagine.
At a glance, you might think that all plans are alike, but there are many differences that have a huge effect on how much money leaves your wallet. And some plans only allow you to utilize vets within their network. If your own vet is not in that network and you don't want to switch vets, then you need a different plan.
Just about all plans require you to pay a deductible. A deductible is the money you are responsible for before the coverage kicks in. When you are looking at plans, find out if you pay the deductible once per calendar year, or if you pay it each time the dog is sick or injured. And your premium-the monthly cost of your insurance-will vary depending on the size of your deductible. Larger deductibles mean cheaper monthly premiums, and vice versa.
Some plans will pay the entire cost for an illness or injury-not counting the deductible-and some plans give you a percentage discount on the vet's various charges. Even if you are choosing comprehensive pet dog insurance, ask the insurance company if there is a co-pay per each vet visit. Co-pays are often set as percentages of costs, and you can opt for 10%, 20%, or 35%. Setting your co-pay percentage also raises or lowers your monthly premium.
It's very important to ask about exclusions. Some companies will not cover certain breeds, and some will not cover specific illnesses. Ask, too, what happens if your dog becomes ill during the policy year. Will his condition become excluded from coverage when the pet dog insurance policy renews the following year? Some companies continue to provide coverage, and others do not.
You can decide if your pockets are deep enough to afford options such as routine wellness exams, neutering, prescription coverage, dental care, cancer care, or holistic treatment. Pet dog insurance offers a variety of options, just like people insurance! You have to read the fine print carefully for various policies before you decide on one.
It's also useful to find out what you can about the companies you're considering. None of them have been in business for longer than a decade or so, because providing pet dog insurance is a relatively new concept. You'll find some that were started up by veterinarians who were concerned for owners who had to euthanize their pets, and other companies grew as offshoots of pet product manufacturers. It's useful to do your homework and choose a company whose culture and charges fit your lifestyle and your wallet.
by: BrianGarvin Pet Insurance Plans - Finding Pet Insurance Plans That Are Best Pet Insurance Reviews - What To Look For When Reviewing Pet Insurance Pet Insurance Uk - Finding Uk Pet Insurance Quotes Purchasing A Vip Pet Insurance Policy The Dividend Machine Bill Spetrino Yorkshire Terriers, Bold and Active Bernese Mountain Dog Dog Tracking System – What It Can Do For You Yuba too cold wave hit frequency "Pet" (Figure) Oonline Dog Fashion Stores Promoting Latest Fashion For Dog Costumes And Apparel Clicker Train a Dog Understanding the Signs of a Constipated Dog How to Cope With Losing a Pet