Pets Insurance

Why do you need health insurance for pets? Not that long ago, health insurance for pets was relatively unknown. A family pet animal was seen as an animal and treated accordingly. It was given annual vaccinations and treated for emergencies, if they were not too serious or too costly. Family budgets did not allow for more. Today, the family pet is a member of the family and treated like it. That is why you need health insurance for pet"s."

What factors might effect the costs of insuring your pets? First, what is the age of your pet? May companies will not cover very young or very old pets. Next, is the pet you have selected a breed type which may have inherent health risks? Larger breeds can have a greater chance of certain types of injuries to knees/elbows and hips. Long, droopy ears are susceptible to frequent ear infections. Some breeds are prone to re-occurring skin problems. And a rescued pet may have a pre-existing condition that cannot be covered.

What contingencies should be covered in your insurance plan? Do you just want to cover basic annual maintenance, vaccinations and emergency treatment? How about tests for heart worm, parasites and fleas? What about spaying and neutering? Dental health is considered very important in the health of your pet. Cleaning of a pets teeth requires an anesthetic. You can see that just the basics of providing for good health are significant.

How is the payment of claims handled in health insurance for pets? As in human health insurance, deductibles come into play and co-pay plans may be available in health insurance for pets. Some companies pay a percentage "(up to 80-90%)" of allowable charges. If you have an older or larger dog, check on maximum payout per dog or per year. This would also apply to breeds with predisposition to certain conditions. Thought and research are needed for a good decision here.

Health insurance for pets really is an absolute necessity. Burgeoning technology is reshaping the realities of our world so rapidly, it is difficult to keep up with it! The pet industry has changed as well, with 63% of households having a pet. The majority are dogs and cats and the amount of money spent on them is staggering! The amount spend on veterinary bills is second only to the amount spent on pet food. Today, pet health care includes; information services, vet surgery technology and research, foods especially formulated, alternative pet therapy, pet behavior and psychology, pet health insurance and pet pharmaceuticals. Because of this expanded view of care options, owners of pets are inclined to provide much more elaborately for these important family members. The costs can be considerable. A good plan of health insurance for pets really is a necessity.

For a great source for this important resource, go to: http://www.squidoo.com./HealthInsuranceForPets

Sharon Brown lives on the Central Coast of California and loves her pets!

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