Pet Health Insurance Options
With vets bill often on the increase its no wonder that a cat, dog or exotic pet owner is taking more interest in arranging an appropriate pet health insurance plan to cover all possible eventualities.
Having adequate pet care insurance in place ensures that a families pet is protected as a result of an unforeseen accident or illness. It's worthwhile to note that without insurance coverage a trip to a vets for a simple check-up or if that leads on to a minor procedure it can soon turn out to be quite expensive.
The best pet insurance policies can be arranged at certain levels - with a scheme tailored to suit a particular pet’s needs and requirements. Features to a basic package can include vets fees - often up to a particular limit, death by illness or accident, loss because of straying or theft, liability protection, costs to cover boarding at a kennel, and payment towards prescription food if required.
Having received four or five competitive quotes with the assistance of one of the pet insurance comparison sites its essential to review the coverage on offer, and to note all terms and conditions that apply. A limitation incorporated in several of the plans is that of an age restriction. Here is a list of pet insurance companies for quick reference.
A typical scheme might offers protection on a dog or cat starting at five weeks to eight years - with on going treatment for an illness or injury lasting for a period or up to twelve months (from date of incident). Or, to further extend the insurance protection to cover such ailments as cancer or other long-term illnesses, it’s an option to arrange a lifetime policy. All lifetime policies offer coverage for the duration of a pets live, and will continue to remain in force, provided that the annual premium is paid promptly when due.
When reviewing various pet insurance plans its necessary to note all restrictions that might apply - such as a list of dogs [a to z dog breeds] that might be restricted. Such dogs include American Pit Bull Terrier's, Wolf Hybrids, as well as those associated with a trade or business, most notably a Greyhound.
In order to obtain a cheap pet insurance plan it often helps to look out for discounted rates or special offers. Competitive rates are seen if insuring two animals at once - these dual policy discounts often result in discounts at 10% to 20% or more in some cases and accepting an online quotation can also allow for a discount in the annual cost.
Taking the time to compare a selection of pet health insurance policies ensures that the ideal protection can be put in place so that expensive vet’s bills can be avoided.