subject: A Closer Look At Low Cost Pet Insurance [print this page] Pet owners often wonder if they should have pet insurance on their animals. Vet bills can become outrageous but for the life and health of the beloved pet, medical attention at one point in time is necessary. There are very few companies that offer pet insurance; some are a little higher priced than others. When looking for a low cost pet insurance policy, a little research should be done.
The first thing to consider is the age of the animal. Just as with health insurance on humans, many insurance companies do not want to insure an older animal, especially those with preexisting medical conditions. They are considered a liability and the insurance company does not want to risk losing money by having to pay for the older animals vet bills.
The other thing to consider is the breed of the animal. Many dogs and some cats have hereditary traits that create health problems. One of the most common is hip dysphasia in larger dogs. Some animals are even prone to bone and teeth conditions that will require medical attention at one time or another.
The most important thing to consider are the state laws where the pet insurance is purchased. Many state governments consider discounted pet insurance a risky endeavor, therefore they have outlawed them. However, there are many more that will offer quality insurance for pets that will work with the consumer to find the policy that will fit their budget.
Statistics indicate that the average pet will cost around $5000 dollars in medical bills in their lifetime. This is a relatively high number, most do not cost as much. Some pets are born with defects and medical issues that require many visits to the vet office. In cases like that, insurance coverage for at least some of the expenses would have saved the pet owner some money. To save even more money, compare prices and benefits of the many different insurance providers.
For those pet owners who enjoy the company of exotic animals, there is insurance for them also. With the rising popularity of exotic pets such as lizards and snakes, comes the increasing availability of insurance for those type of pets. Be sure to do a little research and ask many questions in order to fully understand the basic coverages of the policy.
When purchasing any insurance policy, whether it is pet or human, you should always shop around. Different companies offer different features with each plan. The prices also differ so do not forget to ask what the monthly or yearly premium covers. Another important thing to do when narrowing down your choice of insurance companies is to ask your pets medical provider to recommend the company that is accepted by the vet.
Most policies are very affordable to the pet owner and can often be broken down into monthly payments. The policy usually covers the annual visits, immunizations and some surgeries. Having insurance on your pet will often help in times of emergencies, which can happen in the home or in the automobile. Be sure to check with the company about any restrictions on payment claims before committing to a policy.
by: Eddie Lamb
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