Insurance Pet - Advice And Ideas

Pet Insurance

Some folks have never even heard of pet insurance, but it is actually becoming quite popular. The concept "insurance pet" is very similar to health insurance for people except it is for pets. Health insurance for people can provide health coverage and help to pay for a doctor's diagnosis, care, medicine and surgery. Pet insurance basically works the same way with a few exceptions. Insurance policies can vary depending on the pet insurance carrier, but most policies revolve around paying a monthly insurance premium and covering a deductible.

Step 1

Find Out if Your Pet is Covered

Amazingly, almost every pet that you can think of is covered for insurance pet. Every insurance carrier offering pet insurance does not necessarily cover every type of pet, but many do cover the majority.

Pets that are commonly covered include rabbits, cats, dogs, hamsters, ferrets, horses and birds. Some insurance even covers exotic animals such as snakes, rodents, chameleons, chinchillas, goats and geckos. In addition, pot bellied pigs, turtles, opossums and lizards are insurable too. It may take a few phone calls or researching on the Internet, but there is probably an insurance pet insurer for your type of pet.

Getting Coverage

Policies are fairly flexible. You can purchase a basic policy with just the bare minimum of coverage or full coverage. This works out well for people that really want some type of insurance, but can only afford small payments or only want specific items covered in a policy.

Shop several pet insurance companies before making a decision. Ask your veterinarian to recommend qualified pet insurance companies. They can usually tell you which companies are the best and which ones to stay away from. Before signing for a policy check with your veterinarian to make sure the carrier you have chosen is acceptable.

Types of Insurance Pet Coverage

A lot of people opt for routine care, which includes annual vaccinations, yearly checkups and dental cleanings. Some basic insurance plans for pets coverage include illness. Special policies can sometimes be purchased for major events coverage such as cancer. Ask the insurance company for clarification on anything which you are not sure of. Older pets often do not qualify for insurance with some companies and pre-existing illnesses may also not be covered.

Full coverage policies can include all routine care, annual vaccinations, accident care, illness coverage, emergency coverage and in some cases burial coverage.

How Coverage Works

Insurance companies and veterinary offices may all work slightly different when dealing with insurance pet coverage. In most cases the vet requires full payment up front from you, and then you are reimbursed by the insurance company. Policy holders pay for pet coverage premiums by the month or sometimes yearly. Customers must pay their deductibles for most companies and then the remaining portion is covered by the insurance company.

 

Tips for Choosing Insurance

Try not to rush out and sign up with the first insurance company offering pet insurance. Each company varies a little, provides different coverage plans or packages and charges different rates. Research recommended insurance pet companies from your vet before making a decision to get the best coverage for your pet and one that is affordable to you.

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