Pet Medical Insurance
Pet health insurance offers family pets coverage for veterinary care when injuries or illnesses occur. With many animals being a part of their human families, companions, guardians and best friends, some people want to insure their well being with coverage. These policies offer coverage for office visits, routine care, illnesses and emergency care. Terminal illnesses are usually not covered, though. With medical costs for pets rising and the average vet visit costing $100 to $150, opting for pet medical insurance is an option some may choose.
Due to the high cost of animal care, many decisions regarding their care are based on economics rather than what is best for the animal. Coverage may sound like a really good deal, but it does come at a cost. The average monthly cost of a policy ranges between $9 and $25, thus yearly costs can be hundreds. Although similar to human health care, pet medical insurance varies in coverage and price. Premiums for policies will depend on the type of animal, the age and the health.
The premiums can increase as much as 50% as the animal ages and there are annual limits. Some insurers offer discounts for multiple pets, although there is usually a deductible and co-payments. The annual cost may not seem very much for those who have a vet bill in the thousands of dollars, though. The decision to get pet medical insurance will have to be a personal one. Deciding may not be an easy decision, as aside from the monetary cost of pet health insurance, many companies that sell the policies have gone out of business leaving the policyholders hanging.
Less than 1% of pets in the United States are covered, whereas approximately 25% of pets in other countries have coverage. The costs of pet care in the United States is said to be more expensive. Those who feel the need to cover their animal with pet health insurance should compare the different policies offered. Look for discounts, compare the policies and read the fine print to know what's excluded. If a dog is 9 years old or older or a cat 11 years old, the premiums will be more expensive. Whatever one's choice in deciding to get pet health insurance or not, the decision does not in any way reflect how much a pet owner loves their animal. God cares for pets just as much as owners do. "For every beast of the forest is mine, and the cattle upon a thousand hills" (Psalm 50:10).
Cat health insurance is an option that many pet owners are currently being made aware of through online sources and veterinarian offices. Dog health insurance is also becoming more common since the availability of coverage for animals is becoming increasingly publicized. Pet owners can find an array of coverage through a variety of companies that offer extensive coverage for pets. If in possession of a canine companion, policies will cover most any general maintenance or illness concerns. With veterinarian medical bills shadowing the cost of doctor bills, getting help with coverage for those expenses can be a wise move.
If considering coverage for any animals owned, there are many options. Cat or dog health insurance will cover annual checkups, shots and vaccines, and other yearly maintenance requirements. Cat health insurance is available for feline companions and the price is determined by age or medical condition such as coverage only for senior cats or those without pre-existing conditions. There is coverage for dogs that bases its premiums and some coverage on what breed of canine or what the age of the animal is and can be purchased based on a variety of particular concerns and needs. As animals become welcome members of our families, the concern for their well being becomes just as important.
There is even specific coverage for owners who live in apartments since apartment living provides a different living environment for pets as does a house with a yard. There is emergency coverage available in insurance that covers only accidents or sudden illnesses. There is also health coverage for other typical health care needs such as spaying or neutering. Some policies do not cover spaying or neutering and it will depend on the type of dog health insurance purchased as to what type of coverage will be available.
There are even policies that will cover the purchase price of the animal in case of accidental death. This is very helpful to purchase dog health insurance for owners of breeds that are very expensive as well as those owners who invest large sums of money in show animals. Cat health insurance or other pet insurance will usually cover general care and emergency services or a select options. The type of coverage for dog or cat health insurance will directly affect the premiums paid. Check several sources to determine what features will save the most money in pet care. "Let my soul live, and it shall praise thee; and let thy judgments help me." (Psalm 119:175)
Animal Health InsurancePet health insurance was virtually unheard of until around 20 years ago when certain types of animal insurance were introduced to pet owners. Coverage for pets has been a growing interest among animal owners because of the rising veterinary costs. Animal health insurance is also a growing concern for more and more pet owners who treat their pets with humane care and personal affection. For the most part, the medical costs and maintenance costs for animal care has come out of the pockets of pet owners, giving rise to recent demands for some kind of coverage.
Veterinarian costs for treating illnesses, providing annual checkups and treating emergency situations in pets is rising sharply and many companies are designing special packages. Pet health insurance is very similar in coverage to human coverage in regards to coverage and choices for policies. There are policies that can be purchased that cover annual check-ups, general heartworm treatments and other basic maintenance for animals. It is surprising the amount of money that can be spent yearly through typical animal health insurance and this type of package can offer financial assistance to owners. Anyone who is a dog owner knows how they like to get morsels from their humans' table. Even the scriptures mention this, and remind us to keep our priorities straight. "But Jesus said unto her, Let the children first be filled: for it is not meet to take the children's bread, and to cast it unto the dogs." (Mark 7:27)
Other types of animal health insurance are available such as emergency care or diagnostic care and treatment of serious illnesses. Pet health insurance packages can be purchased that will cover a pet's well being for several years as stipulated by certain policies. Some policies will cover those animals that have pre-existing illnesses or health concerns, and other policies can only be purchased for pets that are healthy and have a normal life expectancy. A policy can be purchased with varying deductibles depending on an owner's choice. The higher the deductible the lower the premiums are available for these policies just as any other type of insurance.
Plans for vaccinations, spaying or neutering or other common issues are some of the options included for animal health insurance. Pet health insurance costs depend on a variety of factors such as the type of package, what type of animal to be covered, and the deductible chosen. An owner can check with his vet or with several online companies for more information regarding coverage and quotes.
Dog health insurance can be purchased to cover a variety of health needs a canine may require throughout its life and can save the canine owner a tremendous amount of money in medical expenses. A pet policy can be bought through an agency website online, through the use of a facsimile or through the regular postal mail. The policyholder is able to see any veterinarian worldwide with the security of knowing that their medical expenses will be covered. Most dog medical insurance companies have policy owners submit receipts for reimbursement.
The canine owner and policyholder will seek the services of any Vet. At that time, they will pay out of pocket for the Vet's services. An authorized staff member will need to fill out a dog medical insurance claim form, list the diagnosis, and sign it. The dog health insurance policyholder will then review the claim form, sign it, and send it into the agency with the original Vet invoice for reimbursement of payment. It is wise for the canine owner and policyholder to make a photocopy of the invoice in case the claim form and invoice should get lost in the mail. The type of dog health insurance plan chosen will determine the amount of payment reimbursement.
The policyholder can individually develop their pet's policy paying higher premiums for more coverage and more types of ailments that are covered. Some policyholders pay as little as $1 per day for policies that reimburse them 50% of the cost of treatment. The national average for veterinarians' fees provides the basis for reimbursements. Some dog medical insurance plans pay up to 90% of the expense coverage amount. There are also discounts given for multi-pet policies, and for early issuance of a policy (enrolling the animal in a dog health insurance plan while under 6 months of age).
Some Christians are apprehensive about the purchase of dog medical insurance. They may feel that the purchase of a policy for their pet shows their lack of faith in God and His ability to protect and provide for them. While the Bibles does not mention the issue of purchasing a plan for a pet, it does mention the idea of being prepared for future disaster and catastrophe. If it is financially feasible to purchase a pet policy, it is recommended. "And let them gather all the food of those good years...And that food shall be for store to the land against the seven years of famine, which shall be in the land of Egypt; that the land perish not through the famine." (Genesis 41:35-36)