Protecting the smallest member of your family: A step-by-step guide to pet insurance保护你的家庭成员最小:一步步地引导保险宠物
By Burke Jones琼斯的勃克
Let’s face it – Fido and Fluffy are an important part of your family.我们必须正视-fido、蓬松的重要组成部分家人. Do you want to have to assign a dollar value to them if they become sick or injured?你想拥有一元价值转让给他们,如果他们生病或受伤?

That may well be the case if you don’t have pet health insurance.这可能也是如此,如果你没有宠物健康保险. Rising veterinary costs mean that pet owners can pay hundreds – and even thousands – of dollars for their pets’ health problems.兽医成本上升意味着可以付出上百宠物-甚至几千-万元宠物』卫生问题. As the bills stack up, uninsured pet owners must determine how much they are willing to spend on their animal friend.由于法案叠起,投保宠物必须确定他们愿意花多大的动物朋友. It can be a heartbreaking decision to make.它可以是伤心的抉择.

Much like insurance for health, cars and homes,很像健康保险、汽车、住房、 helps people put a little money away now to avoid a major payout later.帮助人们把现在有点钱带走避免重大支出. Coverage and cost vary, so it’s important to thoroughly research the options if you decide to insure your pet.复盖和成本差别,因此必须深入研究,如果你选择宠物你决定投保.

Step one: Determine if第一步:确定 is Right for You你说得对

When people decide to get a pet, they often don’t consider how they will deal with the inevitable unexpected illnesses or accidents.当人们决定得到宠物,他们往往不考虑他们会怎样对付突发疾病或意外的必然. Keeping a pet indoors by no means eliminates all the hazards.室内饲养宠物并不消灭一切危险. They can still swallow foreign objects, ingest a poison or injure themselves.外商还可以吞下物体,食用毒药自残. As well, living indoors does not make a pet immune to disease and infection – particularly those that are common to their breed.而且,住室内不作宠物免疫疾病和感染,尤其是那些常见的滋生. Pets with access to the outdoors have even more opportunities to pick up a disease or get hurt.与宠物接触的机会,更增添室外拾起疾病或伤害.

Don’t have a dog or cat?没有狗和猫? Insurance companies are starting to offer plans that meet the needs of a variety of pet owners.保险公司开始出谋献策,适应各种宠物. Some now offer coverage for birds and exotic animals.现在有的外来动物和鸟类提供复盖.

Not all owners are good candidates for pet insurance, however.不是所有业主都是好人选宠物保险,但. is ideal for owners who deeply love their pets and are willing to spend a significant amount of money to keep them healthy and extend their life.理想是深深地爱宠物的业主,并愿意花费大量金钱保持身体健康和延长其寿命. They buy their cherished companions the best food and care they can afford, sometimes even putting their pets’ needs before their own.他们购买保健食品的最佳伴侣珍惜所能负担,有时甚至把宠物的需要,然后自己. For this type of owner,这种所有者 can be a smart investment that can prevent considerable costs and bring peace of mind.可以说,一个聪明的投资成本,可以防止相当心安理得.

Pet insurance is not a good investment for owners who don’t have a strong emotional tie to their pet.宠物保险并不是很好的投资业主没有深厚的感情为他们宠物. Owners who would rather have their pets euthanized than spend money on vet bills are not good candidates for pet insurance.车主宁愿多花钱宠物后行审核法案不是好人选宠物保险.

Step two: Decide What Type of Coverage You Want第二步:决定你想要什么类型的报道

Most pet owners will weigh two main considerations when shopping for pet insurance: budget and coverage.宠物最重达两购物时主要考虑为宠物保险:预算和复盖面. Peace of mind can also be an important factor, but far more difficult to quantify.也可以安心的重要因素,但更难以量化.

Pet health insurance is still relatively new in the United States and Canada, so the options available are fewer than for other forms of insurance.宠物健康保险还比较新,在美国、加拿大、因此可供选择少于其它形式的保险. That said, North American pet owners can choose from a variety of coverage choices, ranging from injury/accident-only to all-inclusive.尽管如此,北美宠物可选择多种选择范围,从伤害/意外只是包罗万象.

As with all insurance products, the cost of如所有保险产品的成本 increases as the coverage improves.随着复盖好转. As a pet owner, you must decide what is作为宠物主人,你必须决定什么是

Dog Medicine狗药
Would you like to save big money on your Dog Medicine?你想挽救你的狗大钱药? Well if you buy your pet prescriptions online, you can do just that!如果你也买你的宠物药方网上,你可以这样做!
Cat Medicine医药猫
Your cat deserves the best Cat Medications available!最值得你猫猫药品可供! However, you also have to be watching the budget if you don't want to spend your entire paycheck to buy medicine for your cat.但是您也可以收看预算如果你不想花你们整个调研买药您的猫.
Dog Insurance狗保险
Buying dog insurance is one of the best investments you can make.买狗是最保险的投资,你可以. Last year Americans spent billions of dollars on dog health care.美国人去年花了数十亿美元对犬只医疗保健.
Cat Insurance猫保险
Cat insurance can save you big money on the health care costs of your cat.猫也度不了你大钱保险医疗费用贵猫. Many people probably have more than one cat in their home which will quickly double or triple your healthcare costs for your cats.许多人可能都不止一个,在他们的家中猫很快加一倍医疗费用贵您的猫.
Pet Insurance宠物保险
Pet health care cost Americans $18.2 billion last year!!宠物保健费用182亿元,去年美国人!! Pet insurance can really help you keep these costs under control, and the expense for the health care plan is really affordable.宠物保险真能帮助你降低成本控制而牺牲的保健计划是实惠.
Cat Flea Medications猫蚤药品
One of the joys of summer for the cat owner is fleas.其中的乐趣是夏天的猫主人跳蚤. There are many cat flea medications available today that were not available just a few years ago.有许多人认为猫蚤药物可今天就在几年前不详.
Cat Flea Medications猫蚤药品
One of the joys of summer for the cat owner is fleas.其中的乐趣是夏天的猫主人跳蚤. There are many cat flea medications available today that were not available just a few years ago.有许多人认为猫蚤药物可今天就在几年前不详.
Save money with Cat Health Insurance and take good care of your cat省钱、健康保险与猫好好照顾你的猫
Cat health insurance is a growing trend not only in the United States but also in the UK and Canada.猫健保是一个趋势,不仅在美国,而且在英国和加拿大. In America alone, cat owners spent billions on cat health care last year alone.仅在美国,对猫猫车主花费数十亿仅去年保健. So just what are you buying when you get a cat health care plan?所以,你买什么才叫猫保健计划?
There are many options for Cat Pain Medication available today!有许多可供选择的猫今天痛药!
There are many reasons you would need cat pain medication for your pet.有很多原因你要为你宠物猫痛药. The most frequent use is because of arthritis, at least as on a ongoing basis.使用最频繁的是由于关节炎,至少在目前的基础. So what is the best cat pain management available.究竟什么是最好的猫疼痛管理资料.
New Dog Arthritis Medications can ease your dogs suffering新狗狗患有关节炎的药物,可以缓解你
There are many reasons you would need cat pain medication for your pet.有很多原因你要为你宠物猫痛药. The most frequent use is because of arthritis, at least as on a ongoing basis.使用最频繁的是由于关节炎,至少在目前的基础. So what is the best cat pain management available.究竟什么是最好的猫疼痛管理资料.


the right balance between affordability and the care you want for your pet.平衡负担和照顾宠物你想你.

- Coverage-复盖
When choosing选购 coverage, first consider what kind of insurance customer you are.复盖面,首先考虑你是什么样的保险顾客. Do you prefer all-inclusive coverage that pays for everything from routine checkups and vaccinations to accidents and chronic illnesses, or are you comfortable with a lesser degree of coverage that just kicks in during emergencies?你喜欢包罗万象,涵盖一切,从日常检查和自付防疫事故和慢性病、或者你舒适程度与范围,只是在发生紧急踢? Perhaps you prefer a flexible plan that offers discounts on a wide range of services, from veterinary care to training.也许你喜欢一个灵活的计划,提供了一系列优惠服务,由兽医照顾训练. This decision will lay the groundwork for your final choice.这一决定奠定了基础你最后的选择.

Some issues to consider:有些问题必须考虑:

* Make sure to check for coverage of pre-existing conditions as well as breed-specific genetic ailments, such as hip dysplasia for large dogs.切记检查复盖原有条件以及繁殖特定遗传疾病如髋关节发育不良大型狗. Some plans refuse to cover these conditions.这些条件包括一些垃圾图.

* Some plans place limits on annual, per-incident, per-illness or lifetime costs.*规划限制某些年度,每件每生病或终身成本.

* How old is your pet?*宠物是你几岁? Coverage usually starts at eight weeks, but some plans won’t cover pets over a certain age (usually between six and 10 years old, depending on the breed, type of animal and other factors).复盖通常在八个星期开始,但有些封面图宠物不会超过某一年龄(通常6至10岁依靠繁育、动物类及其他因素).

- Cost成本
Payment options for付款办法 include flat fees or deductibles and/or co-payments.包括收费单位或免赔额和/或共同支付. Not surprisingly, plans with lower monthly premiums come with higher deductibles and/or larger co-payments.不足为奇的是,以图降低到每月保费较高免赔额和/或较大共同支付.

Some issues to consider:有些问题必须考虑:

* Insurance premiums are affected by the age, health and breed of your pet, as well as the type of animal.*保险费受年龄、健康、养你的宠物,以及动物种类.

* Some plans offers discounts for multiple pets.*计划提供一些折扣多宠物.

* Plans generally require customers to pay the vet bill first and then submit receipts for reimbursement.*规划普遍向用户收取的审核,然后才提交收据报销.

* Find out if the insurance premiums will increase as your pet ages.*看看你的保险费将增加为宠物佳话.

* Depending on the plan you choose, the monthly premiums can range from less than $10 to about $40.*取决于你选择方案,每月保费少则少于10元40元左右.

Step three: Choose an Insurer三个步骤:选择保险公司

You’ve determined what you can afford to spend and the amount of你确定你花钱及数额 coverage you want.你想要复盖.

Before selecting an insurer, here are some final considerations:看谁承保人,这里有一些最后的考虑:

* Make a list of your questions and priorities in advance.*做出回答问题和优先名单提前. Make sure to answer or check off each item when reviewing plan options.督促检查过的每一个项目作答或在审查规划方案.

* Research the insurer thoroughly.*保险研究透. Review its website and sales materials, read its testimonials, talk to other pet owners and look for on-line reviews.审查其网站和销售资料,阅读了听证,跟其他宠物和寻找在网上审查. How long has the company been in business?该公司一直有多久呢? Are its customers satisfied?有顾客满意? Make sure you feel comfortable about everything you hear or read.让你安心当你听到或看到.

* Compare the plan’s benefit schedule with your vet’s fees to determine to what degree the plan will cover the actual treatment costs.*比计划的时间表有利于你审核的收费确定到什么程度,该计划将涵盖实际治疗费用.

* Find out how quickly the insurance company reimburses customers’ claim payments and if it has claim deadlines.*找出如何迅速保险公司偿还客户索赔金额,如果它声称期限.

* Read the fine print.*细读一遍. Make sure you completely understand the plan’s benefits and, more importantly, the limitations.让你彻底了解该计划的好处,更重要的局限性. If something isn’t clear, ask – and get the answer in writing.如果事情并不清楚,问及获得书面答复. Otherwise, you might find you don’t have the coverage you need if an accident occurs.否则,你可能发现你没有复盖你需要如果发生意外.

* Start a file for your pet.*你开始立案宠物. Use it for all receipts and insurance paperwork so you can keep on top of your claims and make sure you are maximizing your insurance investment.使用它所有收益及保险等手续可以继续顶你追立卷你是你最大的投资保险.

Your responsibility as a pet owner doesn't end with food, shelter and affection.你作为宠物主人的责任并非止于食宿和爱戴. Pet health insurance can give the smallest member of your family a longer and healthier life – and provide you with more time to enjoy the unconditional love it so willingly offers to you.宠物健康保险能给你家庭成员最小更长、更健康的生活,提供你有更多的时间来享受这样心甘情愿无条件的爱给你.
Burke Jones is a frequent contributor to Pet Health Depot writing about Dog Insurance and Cat Medicine.伯克琼斯是频繁贡献者车厂写狗宠物健康保险和医药猫.

Here are some more pet insurance articles...以下是一些较为文章:宠物保险

Dog Medicine狗药
Would you like to save big money on your Dog Medicine?你想挽救你的狗大钱药? Well if you buy your pet prescriptions online, you can do just that!如果你也买你的宠物药方网上,你可以这样做! Cat Medicine医药猫
Your cat deserves the best Cat Medications available!最值得你猫猫药品可供! However, you also have to be watching the budget if you don't want to spend your entire paycheck to buy medicine for your cat.但是您也可以收看预算如果你不想花你们整个调研买药您的猫. Dog Insurance狗保险
Buying dog insurance is one of the best investments you can make.买狗是最保险的投资,你可以. Last year Americans spent billions of dollars on dog health care.美国人去年花了数十亿美元对犬只医疗保健. Cat Insurance猫保险
Cat insurance can save you big money on the health care costs of your cat.猫也度不了你大钱保险医疗费用贵猫. Many people probably have more than one cat in their home which will quickly double or triple your healthcare costs for your cats.许多人可能都不止一个,在他们的家中猫很快加一倍医疗费用贵您的猫. Pet Insurance宠物保险
Pet health care cost Americans $18.2 billion last year!!宠物保健费用182亿元,去年美国人!! Pet insurance can really help you keep these costs under control, and the expense for the health care plan is really affordable.宠物保险真能帮助你降低成本控制而牺牲的保健计划是实惠. Cat Flea Medications猫蚤药品
One of the joys of summer for the cat owner is fleas.其中的乐趣是夏天的猫主人跳蚤. There are many cat flea medications available today that were not available just a few years ago.有许多人认为猫蚤药物可今天就在几年前不详. Cat Flea Medications猫蚤药品
One of the joys of summer for the cat owner is fleas.其中的乐趣是夏天的猫主人跳蚤. There are many cat flea medications available today that were not available just a few years ago.有许多人认为猫蚤药物可今天就在几年前不详.