Q. I just got a Pomeranian hes just a little pup 9 weeks old. I want to take it to the vet this week and I wanted to know what the most affordable insurance there is? What does it cover? (shoots, checkups)
A. One suggestion I have for you is to get a free quote from all the top websites. A good quote and compare site is here: http://www.trupanionpetinsurance.com/why_choose_trupanion_pet_health_insurance/quote-and-compare-companies_comparison-charts.aspx
Not all insurance companies cover routine care like shots and checkups, however if you want that included in your plan, it will make your premiums more expensive and in some cases you end up paying more through the insurance than if you were to pay for shots out of pocket.
Typically, you want insurance that is going to cover your pet's veterinary bills in case of accidents or illnesses. I would recommend checking out Trupanion Pet Insurance. They are affordable and don't have any annual limits so if your pup has a lot of bills all in one year, you can be sure it would all be covered.
Read up on some reviews and look around at the quotes and what each company covers to see what you're in for. Good luck!
Not all insurance companies cover routine care like shots and checkups, however if you want that included in your plan, it will make your premiums more expensive and in some cases you end up paying more through the insurance than if you were to pay for shots out of pocket.
Typically, you want insurance that is going to cover your pet's veterinary bills in case of accidents or illnesses. I would recommend checking out Trupanion Pet Insurance. They are affordable and don't have any annual limits so if your pup has a lot of bills all in one year, you can be sure it would all be covered.
Read up on some reviews and look around at the quotes and what each company covers to see what you're in for. Good luck!
About how much does it cost to get pet insurance on a dog?
Q. Its a 1yr old Australian Shepherd.
A. It's not cheap, but it also depends on the breed (which you have established) and your city and state. Here are some web sites that can help you out:
http://www.petcareinsurance.com/
http://www.sheltercare.com/
http://www.veridiancu.org/insurance/pet_insurance.asp
http://www.petcareinsurance.com/
http://www.sheltercare.com/
http://www.veridiancu.org/insurance/pet_insurance.asp
Need help with choosing the right Pet Insurance for my dogs?
Q. I have two dogs. One just turned 1yr in June, and the other will be 1yr in September. I want to get pet insurance for them, but I don't know which insurance company is the best one to choose. I've heard that some company's will give you some type of discount if you have more than one dog. I've also heard that some pet insurance company's only cover a few things for a high price.
Just need someone to point me in the right direction.
Thanks
Just need someone to point me in the right direction.
Thanks
A. Here are the important factors you need to consider when looking for pet insurance:
A) What medical conditions are covered?
The pet insurance plan you select should cover both accidents and illness.
The illness part of the coverage must include: (these are common ailments in veterinary
medicine)
1) Coverage for Cancer
3) Coverage for Chronic Disease
Chronic diseases are illnesses that have long duration and generally slow progression. Chronic diseases are usually not curable. Examples include: cancer, heart disease, chronic kidney disease, and chronic liver disease.
3) Continual Coverage for Chronic Disease
If you do not get this coverage, the chronic disease will only be covered in the policy year it was diagnosed, after that, you will have to pay for any continuing medications or diagnostic monitoring yourself. Treatment for most Chronic diseases will last beyond the first year of diagnosis.
4) Coverage for Hereditary & Congenital Diseases
5) Coverage for Diseases that are Common to your Pet's Breed
B) What medical conditions are excluded. Read the company's terms and conditions very closely as there can be some very surprising exclusions?
C) What is the maximum payout limit structure, amount and limits. The maximum payout limit is the maximum amount the insurance company will reimburse you. This payout limit can be annually, lifetime or for each incident. You want the maximum payout limit you pick to be able to cover the "worst case scenario costs" for your geographic location.
You also want to make sure that there are no monetary limits on the 5 illness components discussed above. Some companies will put a limit on the amount of your maximum payout you can receive for chronic conditions, hereditary/congenital diseases, etc. These limits are usually not enough to cover most conditions in geographic locations with medium to high "worst case scenario costs".
A three great places to do your research are :
1) http://www.petinsurancereview.com - a list of customer reviews
2) http://www.pet-insurance-university.com - a site I created that compares the pros and cons of each company and discusses the information above in more detail.
3) http://www.petinsuranceguideus.com - a site created by another vet who is also committed to helping pet owners make educated decisions regarding pet insurance.
I hope this helps you.
A) What medical conditions are covered?
The pet insurance plan you select should cover both accidents and illness.
The illness part of the coverage must include: (these are common ailments in veterinary
medicine)
1) Coverage for Cancer
3) Coverage for Chronic Disease
Chronic diseases are illnesses that have long duration and generally slow progression. Chronic diseases are usually not curable. Examples include: cancer, heart disease, chronic kidney disease, and chronic liver disease.
3) Continual Coverage for Chronic Disease
If you do not get this coverage, the chronic disease will only be covered in the policy year it was diagnosed, after that, you will have to pay for any continuing medications or diagnostic monitoring yourself. Treatment for most Chronic diseases will last beyond the first year of diagnosis.
4) Coverage for Hereditary & Congenital Diseases
5) Coverage for Diseases that are Common to your Pet's Breed
B) What medical conditions are excluded. Read the company's terms and conditions very closely as there can be some very surprising exclusions?
C) What is the maximum payout limit structure, amount and limits. The maximum payout limit is the maximum amount the insurance company will reimburse you. This payout limit can be annually, lifetime or for each incident. You want the maximum payout limit you pick to be able to cover the "worst case scenario costs" for your geographic location.
You also want to make sure that there are no monetary limits on the 5 illness components discussed above. Some companies will put a limit on the amount of your maximum payout you can receive for chronic conditions, hereditary/congenital diseases, etc. These limits are usually not enough to cover most conditions in geographic locations with medium to high "worst case scenario costs".
A three great places to do your research are :
1) http://www.petinsurancereview.com - a list of customer reviews
2) http://www.pet-insurance-university.com - a site I created that compares the pros and cons of each company and discusses the information above in more detail.
3) http://www.petinsuranceguideus.com - a site created by another vet who is also committed to helping pet owners make educated decisions regarding pet insurance.
I hope this helps you.
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