Protecting the smallest member of your family: A step-by-step guide to pet insurance
By Burke Jones
Let’s face it – Fido and Fluffy are an important part of your family. Do you want to have to assign a dollar value to them if they become sick or injured?

That may well be the case if you don’t have pet health insurance. Rising veterinary costs mean that pet owners can pay hundreds – and even thousands – of dollars for their pets’ health problems. As the bills stack up, uninsured pet owners must determine how much they are willing to spend on their animal friend. It can be a heartbreaking decision to make.

Much like insurance for health, cars and homes, helps people put a little money away now to avoid a major payout later. Coverage and cost vary, so it’s important to thoroughly research the options if you decide to insure your pet.

Step one: Determine if is Right for You

When people decide to get a pet, they often don’t consider how they will deal with the inevitable unexpected illnesses or accidents. Keeping a pet indoors by no means eliminates all the hazards. They can still swallow foreign objects, ingest a poison or injure themselves. As well, living indoors does not make a pet immune to disease and infection – particularly those that are common to their breed. Pets with access to the outdoors have even more opportunities to pick up a disease or get hurt.

Don’t have a dog or cat? Insurance companies are starting to offer plans that meet the needs of a variety of pet owners. Some now offer coverage for birds and exotic animals.

Not all owners are good candidates for pet insurance, however. 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. They buy their cherished companions the best food and care they can afford, sometimes even putting their pets’ needs before their own. For this type of owner, can be a smart investment that can prevent considerable costs and bring peace of mind.

Pet insurance is not a good investment for owners who don’t have a strong emotional tie to their pet. Owners who would rather have their pets euthanized than spend money on vet bills are not good candidates for pet insurance.

Step two: Decide What Type of Coverage You Want

Most pet owners will weigh two main considerations when shopping for pet insurance: budget and coverage. Peace of mind can also be an important factor, but far more difficult to quantify.

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. That said, North American pet owners can choose from a variety of coverage choices, ranging from injury/accident-only to all-inclusive.

As with all insurance products, the cost of increases as the coverage improves. As a pet owner, you must decide what is

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the right balance between affordability and the care you want for your pet.

- Coverage
When choosing coverage, first consider what kind of insurance customer you are. 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? Perhaps you prefer a flexible plan that offers discounts on a wide range of services, from veterinary care to training. This decision will lay the groundwork for your final choice.

Some issues to consider:

* Make sure to check for coverage of pre-existing conditions as well as breed-specific genetic ailments, such as hip dysplasia for large dogs. Some plans refuse to cover these conditions.

* Some plans place limits on annual, per-incident, per-illness or lifetime costs.

* How old is your pet? 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).

- Cost
Le opzioni di pagamento per includono le tasse o deductibles e/o co-pagamenti piani. Non sorprendentemente, i programmi con i premi mensili più bassi vengono con gli più alti deductibles e/o i più grandi co-pagamenti.

Alcune edizioni da considerare:

* I premi di assicurazione sono influenzati dall'età, dalla salute e dalla razza del vostro animale domestico, così come il tipo di animale.

* Sconti di offerte di alcuni programmi per gli animali domestici multipli.

* I programmi richiedono generalmente ai clienti di pagare la fattura del controllare in primo luogo ed allora di presentare le ricevute per il risarcimento.

* Scoprire se i premi di assicurazione aumenteranno come vostre età dell'animale domestico.

* Secondo il programma che scegliete, i premi mensili può variare più meno da di $10 a circa $40.

Punto tre: Scegliere un assicuratore

Avete determinato che cosa potete permetterti per spendere e la quantità di riempimento voi desidera.

Prima della selezione dell'assicuratore, qui sono alcune considerazioni finali:

* Fare in anticipo una lista delle vostre domande e priorità. Assicurar rispondere o controllare fuori ad ogni articolo quando rivedono le opzioni di programma.

* Ricercare completamente l'assicuratore. Rivedere il relativi Web site e materiali di vendite, leggere i relativi testimonials, comunicare con altri proprietari dell'animale domestico e cercare le revisioni in linea. Quanto tempo l'azienda è stata nel commercio? I relativi clienti sono soddisfatti? Vi assicurate tatto comodo circa tutto voi sentirti o leggere.

* Paragonare il programma del beneficio del programma alle tasse del vostro controllare per determinare a che grado il programma coprirà i costi reali di trattamento.

* Scoprire quanto la società di assicurazioni rimborsa rapidamente pagamenti di reclamo dei clienti' e se ha scadenze di reclamo.

* Leggere la stampa fine. Vi assicurate completamente capire più d'importanza i benefici e, le limitazioni del programma. Se qualcosa non è chiara, chiedere - ed ottenere la risposta nella scrittura. Altrimenti, potreste trovarli non avete il riempimento che aveste bisogno di se un incidente accade.

* Iniziare una lima per il vostro animale domestico. Usarlo per tutti i ricevute e lavoro di ufficio di assicurazione in modo da potete mantenere in cima ai vostri reclami ed assicurarsi voi stanno elevando il vostro investimento di assicurazione.

La vostra responsabilità come proprietario dell'animale domestico non si conclude con alimento, il riparo e l'affetto. L'assicurazione contro le malattie dell'animale domestico può dare al più piccolo membro della vostra famiglia un vita più lunga e più sana - e fornirgli più tempo di godere l'amore che incondizionato offre così disposto voi.
Burke Jones è un frequente contributore a scrittura del deposito di salute dell'animale domestico circa l'assicurazione del cane e la medicina del gatto.

Qui sono un po'più di articoli di assicurazione dell'animale domestico…

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Cat insurance can save you big money on the health care costs of your cat. Many people probably have more than one cat in their home which will quickly double or triple your healthcare costs for your cats. Pet Insurance
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