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09/17/08
Pet Insurance—Is it worth the hype?
Pet insurance may seem like a good idea, especially if you have a sick or gravely ill pet, but sometimes things just sound too good to be true. Although many forms of insurance are important on many different levels, like that of health insurance for human beings, pet insurance for your pet may be unnecessary and very costly, too; however, it all depends on your pet and your needs.
First of all, it’s quite a gamble. Your company/provider is hoping you won’t need to use it while you are hoping quite the contrary due to limits and the fine print. Fortunately, many pet health insurance plans allow you to use any veterinarian you choose. The three companies listed affirm on their web sites that you have a free choice of veterinarians:
· Veterinary Pet Insurance
· PetCare Pet Insurance Programs
· Pets Best Insurance
Many plans are not “one size fits all,” so, be sure to speak with your veterinarian about which plan is best suited for your pet. Some companies will charge a flat deductible of $50 to $100, depending on the age of the pet, for each procedure. Furthermore, almost all policies will require a co-pay of 10% to 20% of the veterinarian’s fee.
And, of course, all pet health insurance policies have exclusions. One of the most common exclusions is the “pre-existing condition” exclusion, which can be classified as injuries, medical conditions and symptoms of concern that were evident prior to enrollment. Other exclusions may include neutering/spaying, hip-dysplasia, vaccinations, flea control, heartworm medication, dental care, or limitations for certain illnesses not neutered prior to first birthday. Be sure to ask all companies to see their policy before signing and make sure you read the fine print!
Content Written By Christina Miller
To answer any of your pet questions, feel free to email me at christina@petmanufacturers.com.
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