Pets Insurance Quotes
If you have a dog, a cat or a parrot or cockatoo, inevitably the day will come that you will have to take it to the vet and possibly in regular conditions. Pet health insurance policies are similar to those of people. These cost a certain annual amount in premiums, have deductibles, co-payments and maximum amounts of coverage. The cost of coverage is based on the age of the animal, its health and the level of care chosen by its owner.
Generally, the higher the animal the more expensive the annual premiums are. There are also exclusions for pre-existing conditions and some insurers may deny coverage to certain breeds of dogs such as German shepherds who are prone to suffer from certain hereditary conditions such as hip dysplasia, a hereditary, congenital and degenerative condition of the hip joint.
There are veterinarian insurance policies for many types of animals such as dogs, cats, exotic birds, rabbits, reptiles such as iguanas, guinea pigs and various types of rodents.
Most insurers begin coverage from 6 to 8 weeks of the animal's life. Some companies have age limits, others do not. And when there is more than one pet, they can receive a discount once the first animal is already insured.
There are three types of pet health care coverage:
1. Traditional health insurance
The plans are very similar to people's health insurance policies. The companies that offer them are licensed and registered with the state where they provide services and are regulated and must abide by the rules and regulations of that state. They usually offer three levels of coverage:
- Basic coverage ( Basic coverage ). It is usually the most economical and provides low compensation for certain procedures. They usually pay for accidental injuries, poisoning and diseases (including cancer). A typical policy includes a maximum amount of reimbursement for each period of the policy (for example, each year). The annual insurance premium for a healthy, three-year mixed-breed dog can cost around $ 140. The deductibles for this coverage can range between $ 75 and $ 100 per year.
- Extended Coverage ( Comprehensive coverage ). It is a little more expensive but the compensations are more generous. Provides refunds in case of accidental injuries, emergency visits or illnesses, visits to the veterinarian, medications, diagnostic tests such as X-rays and laboratory tests. This type of plan also includes a maximum amount of reimbursement for accident and illness and a total amount of reimbursements under each policy period (for example, every year). The annual insurance premium for the same three-year healthy, mixed-breed dog can cost around $ 250. The deductibles for this coverage can range between $ 75 and $ 100 per year.
- Preventive pet health care ( Pet Well Care Protection ). This type of plans reimburse the costs of preventive health services such as physical exams, treatments against parasites and fleas, as well as vaccines. The annual premium for insurance can cost around $ 144. Although there are usually no deductible payments in this type of plan, for other medical services a deductible payment is applied, typically about $ 50.
2. Coverage type HMO
Some veterinary offices offer preventative care packages with discounted prices for vaccines, preventive dental care (dental cleanings) as well as sterilization or castration of animals. Some offer general visits and periodic review packages. These are not insurance policies, therefore they are not subject to the same regulations and requirements that are required of insurance companies.
3. Discount plans
They are packages that offer discounts for veterinary services and some types of supplies. A national program offers 25% discounts on all veterinary services including surgeries and hospitalizations, as well as up to 50% in pet supplies. To obtain the services you must go to veterinarians and pet stores affiliated with the program.
But in addition to pet health insurance there are also other types of insurance that can serve as protection for your favorite animals.
Life and theft insurance
This coverage is designed to ensure the life of extremely valuable animals, from a zebra to a lizard. It is typically purchased by zoos and owners of champion animals, as well as owners of horses or police dogs. Reimburses the owner for the insured value of the animal if it is stolen and pays a death benefit if the animal dies during transport or in cases of other covered damages.
Coverage under homeowners or renters insurance
Standard insurance policies for homeowners or renters provide important coverages for animal owners, including:
- Protection of civil responsibility ( Liability protection ). The property and renters insurance policies include a civil liability protection to defend it in court if your animal bites someone and this person demands it. However, as dog bites cost the industry an average of about 3,500 million dollars per year, most housing insurance excludes from its coverage those animals that have a history of biting or have aggressive behavior.
Moreover, certain types of dogs are classified as dangerous breeds. These animals, usually large dogs, are usually responsible for most serious bite wounds. As a result, neighborhood associations may even place a restriction on certain breeds of dogs. A growing number of communities require owners of these breeds of dogs to have liability insurance, in addition to the coverage they have under their homeowners or renters insurance.
If your pet falls into this category, you can buy an individual policy apart from civil liability. These policies may require the owner to install certain requirements on your property such as fences or cages.
- Personal Property Remember that the items you buy for your pets are insured under the personal property portion of your homeowners or renters insurance. This portion will reimburse you for theft or damage suffered to these items in case of fire or other disaster listed in your policy.
Types of Pet Insurance
There are generally three types of Pet Insurance Policies available:
Life Long Pet Insurance
This pet insurance is renewed every year and conditions which have arisen since taking out the insurance will continue to be covered. There are no exclusions placed on the insurance policy once the animal insurance is in place. Life long insurance may be divided into two parts:
- Insurance that pays out a maximum amount every year for each condition claimed for. Excess will normally be deducted once a year for ongoing conditions and for each new condition claimed for.
- Insurance which pays out a maximum amount each year for all conditions claimed for.
If the period claimed for spans two policy periods the excess may normally be deducted for each period. Some companies increase the premium and excess for older pets. The advantages are that both short term and long term treatment are covered. The disadvantages are that this type of insurance more expensive.
Individual Condition Pet Insurance
This pet insurance is renewed every year and the insurance policy will normally pay out a maximum amount for each condition and there is no time limit over which it can be claimed. The insurance policy excess may be deducted each year for ongoing conditions and new claims. If the time period claimed for spans two policy periods the excess may be deducted for each of these periods. Once the maximum amount has been claimed that specific condition will be excluded from further insurance cover. Some companies can increase the premium and excess for older pets. The advantage of this type of insurance is that it is less expensive than life long pet insurance and should cover most short term and medium term illnesses. The disadvantages are that you may run out of insurance cover for expensive long term veterinary treatment.
Annual Pet Insurance
This type of pet insurance is renewed every year and annual insurance cover can be divided into two categories:
- The insurance policy will cover a condition for twelve months from the onset of that particular condition.
- Some insurance policies may only cover the condition until the insurance renewal date.
The policy will pay out a maximum amount for each condition claimed for and any excess is deducted for each condition claimed for. If the period claimed for spans two policy periods an excess may be deducted for each of these periods. After twelve months any condition claimed for in the previous year will be excluded from the insurance cover. Once an insured pet reaches a certain age the insurance premium may rise and the policy excess will usually increase. The advantages of this type of pet insurance as that it is less expensive cover against accidents and short term illness. The disadvantages are that medium term and long term health problems are not covered. It is always worth remembering that any pet health problems claimed for will be excluded if you decide to upgrade your pet insurance cover.
Pet Insurance Frequently Asked QuestionsDo I Need Pet Insurance?
Animal owners need pet insurance because most bills for vet treatment can be very costly and often this problem leads to animals being 'put down'. Pet Insurance makes sure that you will never have the financial burden or this problem. In insuring your household pet you can have peace of mind for any illness or injury your pet may get. Your insurance also offers peace of mind for damage or injury your pet might cause to others. It gives you peace of mind knowing that your pet will be able to receive the best medical treatment available.
What Is Pet Insurance Used For?
Usually over fifty per cent of visits to vets are unplanned and are due to either an accident or illness.Almost one out of every three pets requires veterinary treatment each year following injury or illness. Costs are increased if X-rays and long-term treatments are involved especially of there are repeat visits to the vets. These costs can quickly run into £1,000's for broken legs and hip treatments. Injuries to your pet can lead to you cancelling your holiday plans, courts costs if your dog causes a road accident, or if it bites someone. Reward and advertising costs if your pet is stolen or lost can be included in some insurance policies.What is Pet Insurance?
Pet Insurance is an insurance policy that covers household pets. Pet Insurance offers to pay vet bills if your pet is ill or has an accident. Pet insurance can also cover other things like theft, travel and even death.Other Animals and Pet Insurance?
Most Pet Health Insurance companies generally only cover cats and dogs. There are a few insurance companies that cover other animals such as birds, particularly exotic animals and reptiles and rodents. This type of specialist insurance is available for horses and is known as equine insurance.Third Party Liability?
Dog owners are not usually aware that they are legally responsible for their animals. If the dog is involved in an accident with a vehicle they are responsible for any damages incurred to that vehicle because of the accident. In obtaining pet insurance dog owners can be covered as part of their insurance policy for this type of accident. This insurance is called Third Party Liability Insurance.The Small Print?
When you take out pet insurance your insurance company will normally send you:
- Insurance Policy Document that sets out the terms and conditions of your policy
- Policy Handbook that contains further details about your insurance
Read these documents and make sure you understand them. If there are terms you are not sure of then check them out. Check what is covered under the policy and check the policy details, especially for any exclusions.
Choosing The Right Insurance Policy?
These are the main points you need to look out for:
- Cover for a fixed term of for life
- Accidental Damage
- Dental treatment
- Vets Fees
- What excess payments are involved
- Death from Illness
- Death from Accident, Advertising & Reward, Theft or Straying
- Third Party Liability and Legal Expenses
- Boarding Kennel Fees
- Holiday Cancellation Costs
- Overseas Travel
- Emergency treatments, cancer therapy, X-rays and lab fees?
- Amount of Cover, for example 70 per cent or 100 per cent of the medical bills
- Some insurance companies insist on your pet having an assessment performed by a vet before insurance is considered.
- Policies can limit the amount they will pay out either by capping the total sum they will pay out in a year or placing a limit per illness or accident.
- Sometimes the pet owner has to make a payment towards any claim ensuring the insurance covers more expensive costs only.
- Pet insurance will normally not pay for preventative veterinary care like vaccinations, or elective veterinary care such as neutering, as these costs are known and can be budgeted for.
- Pet Insurance agencies will not normally cover an animal for a pre-existing medical condition, pregnancy, dental problems, or congenital defects.
Check the terms of your pet insurance policy but usually insurance will not cover any medical condition or symptoms that your pet had before the start date or your policy or often any problems that occur during the first few days of your cover. A pre-existing condition in your contract is termed as usually any medical condition or symptoms that your pet had before the inception date of your policy.
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