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
지불 선택권은 를 위한 균일가 또는 deductibles 및 또는 CO 지불 포함한다. 당연한 일로, 더 낮은 매달 프리미엄을 가진 계획은 더 높은 deductibles 및 또는 더 큰 CO 지불로 온다.

고려할 것이다 몇몇 문제점:

* 보험료는 동물의 유형 뿐만 아니라 당신의 애완 동물의 나이, 건강 및 유형에 의해, 영향을 받는다.

* 몇몇 계획은 다수 애완 동물을 위한 할인을 제안한다.

* 계획은 일반적으로 고객이 수의사 계산서를 첫째로 지불하고 그 후에 보상을 위해 영수증을 복종시킬 것을 요구한다.

* 보험료가 당신의 애완 동물 나이 만큼 증가하는지 알아내십시오.

* 당신이, 매달 프리미엄 선택하는 계획에 따라서 $10 이하부터 대략 $40까지 배열할 수 있다.

단계 3: 보증인을 선택하십시오

당신은 당신이 쓰기 위하여 수 있고 적용 양이 당신 원하는 무슨을 결정했다 여유가 있을.

보증인을 선정하기 전에, 약간 최종 고려사항은 여기에서 있다:

* 당신의 질문 및 우선권의 명부를 미리 만드십시오. 계획 선택권을 검토할 경우 각 품목에 떨어져 응답하거나 검사하는 것을 확인하십시오.

* 보증인을 철저하게 연구하십시오. 그것의 웹사이트 및 판매 물자를 검토하고, 그것의 증명서를 읽고, 다른 애완 동물 소유자에 말하고 온라인 검토를 찾으십시오. 얼마나 회사는 사업에서 이었는가? 그것의 고객은 만족되는가? 듣거나 읽기 위하여 당신을 모두에 관하여 안락한 느낌 당신 확인하십시오.

* 무슨 정도이라고에 결정하기 위하여 당신의 수의사의 요금과 플랜 혜택 계획을 계획이 실제적인 처리 비용을 포함할 비교하십시오.

*, 그리고 요구 마감 시간이 있는지 얼마나 빠르게 보험 회사가 고객' 요구 지불 갚는지 알아내십시오.

* 작은 글자를 읽으십시오. 플랜 혜택 및, 제한을 더 중요하게 이해하기 위하여 당신을 완전하게 확인하십시오. 무언가가 명확하지 않은 경우에, - 묻고 쓰기에 있는 응답을 얻으십시오. 그렇지 않으면, 당신은 사고가 생기는 경우에 없다 당신이 필요로 하는 적용이 당신을 찾아낼지도 모르다.

* 당신의 애완 동물을 위한 파일을 시작하십시오. 모든 영수증 및 보험 문서 업무를 위해 그것을 사용하십시오 그렇게 함으로 당신은 당신 요구의 위에 유지할 수 있고 당신을 확인하기 위하여 당신의 보험 투자를 확대하고 있다.

애완 동물 소유자로 당신의 책임은 음식, 대피소 및 애정으로 끝내지 않는다. 애완 동물 건강 보험은 더 길고 더 건강한 생활 당신의 가족의 가장 작은 일원에게 - 주고 당신 이렇게 기꺼이 하 제안하는 무조건적인 사랑을 즐기는 시간 더를 당신에게 제공할 수 있다.
죤스를이다 개 보험과 고양이 약에 관하여 애완 동물 건강 저장소 쓰기에 빈번한 헌납자 묵살하십시오.

여기에서 있다 조금 더 애완 동물 보험 기사는…

Dog Medicine
Would you like to save big money on your Dog Medicine? Well if you buy your pet prescriptions online, you can do just that! Cat Medicine
Your cat deserves the best Cat Medications available! 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. Dog Insurance
Buying dog insurance is one of the best investments you can make. Last year Americans spent billions of dollars on dog health care. Cat Insurance
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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