Pet insurance for a 8 or 10 Wk old Shih Tzu?

I need help I have never had a dog but I plan to buy one this weekend. a black and White shih tzu. I need to know whats the most reliable pet insurance out here in world today and any other advice is greatly appreciated. Thanks

I have a Pekingese which is now 14 years old. She has had bladder stones, eyelid cancer and now liver disease. I thought pet insurance was silly when I got her and now I regret having not purchased it.

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How To Buy Pet Insurance $4.95 You love your pet and do not even want to think about him becoming ill or having an accident. Pet insurance can provide you with peace of mind if your pet does need extensive or…Written by experts in the field, Quick Easy Guides share little-known trade secrets and helpful hints to get you moving in the right direction.Quick Easy Guides gives you books you can judge by the cover. Our books are s…

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How much would pet insurance have cost?

About a year ago, my 8 year old tabby cat was hit by a car and fractured his pelvis.

Hi there,

Pet Insurance is a good thing for accidents of this type. Since it was not a “previous” condition, you may have actually had to pay about 20% of the cost of the entire bill yourself, depending on what the co-pay or deductibles your policy costs.

Two of the better Pet Insurance companies in the USA are:
http://www.aspcapetinsurance.com/

http://www.petinsurance.com/

I have pet health insurance for both my 9 year old cats. I have collected several times on their annual wellness exams and dental work.

What it actually is best for is to cover serious injuries and illnesses that are not pre-existing. My personal feeling is, however, is putting aside a good sum each month, starting when the pet is very young, probably is the best way to go. Of course this has to be done very consistently.. so the size of the account is sufficient to cover any devastating vet treatment, with those huge bills.

I began our cat’s health insurance when they were 8 years old, which of course is more expensive than when kittens, but for me I worry about serious illness that most of the reputable companies will cover, up to $5,000.

I pay 37.90 a month.

Hope this helps,
Troublesniffer
Owned by cats for over 40 years
Member: Cat Writer’s Association

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Pet Insurance – How to Avoid Large Vet Bills

Most pet owners today know that when taking your pet to a vet it will often cost a much larger sum than anticipated. Maybe your pet will need a vaccine because the local area is infected with a new type of disease or bacteria or you have forgotten that you pet needed some kind of treatment to keep it healthy. This is often the case and the result is a bill that a lot of people can have a hard time paying out of their pocket. This is where it can be money well spent to have a pet insurance.

The purpose of a pet insurance is naturally to help the owner of the pet in case it becomes ill or is involved in some kind of accident. If you think that Vets are costly you should try sending your pet to an animal hospital. Then you can talk about having to bring the large wallet when paying the bills. Unfortunately this is where the problems often arise and the looser in this game will always be your beloved pet.

What if you are not able to pay the bill? Rarely does someone show up to pay your bills and the tough choice that you will have to make is to leave your pet without the right medical care and attention. Most pets are a part of the family and if you have kids you will have a hard time explaining why it is that the family pet will have to suffer from either a disease or an accident it has been involved in. The worst part is though, that if you had taken the time to prepare before all the bad things happened, you would have no troubles sending your family pet to both the vet and to the animal hospital if necessary.

The solution is of course to get a pet insurance. The idea of an insurance is that by paying a little every month, half year or year, you will be able to send most bill to the insurance company and have them pay for the correct treatment of you pet’s illnesses. One important thing to notice is that you need to check the terms and conditions stated in the policy of the pet insurance before you sign it.

Most insurance companies are fair but the insurance business can be tricky and you will need to watch out so you won’t get scammed. A safer bet will always be to go for one of the major companies as they will have much more at stake and thereby much more to loose if they trick their customers and thereby gets bad publicity. For a major insurance company a bad publicity stunt can easily cost millions of dollars and they will therefore be more likely to favor your requests. However you should never be unreasonable or lie for that matter. It will come back to hunt you later on.

If you are not wealthy and do not have big savings but you love your pet and you don’t want to see anything bad happen to it, then pet insurance is for you. If you go online you will find many insurance companies that will offer to insure your pet, but you need to do some research before you sign a contract. It is recommended to use the internet and to talk to people that have already used the service you are thinking of buying for your pet. We wish you a happy hunt.

Author
For more information about pet insurance, check out our site at PetInsurancePro.com. You’ll find help on pet health insurance, VPI pet insurance and much more. Take good care of your pet – it is part of the family.

By Mikael Rieck

To Get Or Not To Get A Pet Health Insurance

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The Quick Guide to Buying Pet Insurance Online

You might think that buying pet insurance online would be a relatively simple task. Unfortunately, the range of policies and individual cover options is growing every year making the choice ever more confusing. Discover the quickest and easiest way to find and buy the right pet insurance for you online.

Not so long ago, the idea of insuring a pet was almost laughable. It was the sort of thing reserved for those who owned posh pedigree pooches that cost a small fortune to buy and to keep. Things have taken a turn, though. Rising vet fees and publicity about the expenses of owning and caring for a pet have prompted many people to invest in insurance for their cats and dogs.

Of course, the trick is to find the right pet insurance policy – the one that offers the best cover for your pet at the lowest price for you. The internet makes the process of comparing and choosing the best pet insurance policy far easier and quicker, and allows you to purchase and pay for your choice instantly online. Here are some tips to help you find and choose the best pet insurance.

Evaluate your insurance needs and prioritise

This is always a good first step, but especially so for pet insurance which covers so many different options. Do you need a policy that will cover a lifelong condition like diabetes? Do you have a pedigree pet? Is your pet a breed that has a higher chance of snapping or biting others? In each case, you’ll want to be sure that the insurance you choose covers specific claims. So know what you need before you start searching.

Search for "pet insurance reviews" in your favorite search engine.

A search for "pet insurance" will bring up lots of individual insurers. That’s helpful, but it’s not much better than calling around to each insurer. By searching for reviews, you’ll come up with a list of internet sites that allow you to check out and compare many different insurers at once. Some may even compare policies side by side for cost and benefits, and many include reviews from people who have used the firm’s insurance. Some of the criteria you might use for comparison are:

• Premiums – how much does the policy cost per month?
• Voluntary Excess – do you pay an excess for each condition, or an overall excess per annum?
• Benefit Caps – how much will the policy reimburse in total? Is that per condition, per incident or overall?

Other benefits – policies offer a wide variety of other benefits from discounts on pet care products to paying kennel fees if the owner is hospitalized overnight. They may include reimbursement for expenses to find a lost pet or for canceled holiday tickets if your pet becomes ill and you return home early.

Narrow your choices and investigate further.

Read any reviews offered by customers on the review site, then check the company’s own web site. Do a further web search to check for any complaints that might be on discussion forums.

Apply for the policy that suits you best.

Before you enter any personal information, be sure that you’re on a legitimate web site and that the page on which you enter and submit your information is secure. Most insurers will confirm the acceptance of your policy immediately, and some will even email your policy documents.

Visit UK Insurance Index for easy access to all of the most popular UK pet insurance companies on one website plus money saving tips and real customer pet insurance reviews to help you find cheapest pet insurance with the best pet cover for you and your furry friend.

By Simon Christopher

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Pet Insurance Could Save Your Pet’s Life Some Day!

New advances in veterinary medical care now mean that many pet medical emergencies and conditions that used to be untreatable no longer need be so! The flip side of this coin however is that managing a vet clinic is more expensive than ever and the only way vets can offset these rising costs is by raising their fees…never was there a better reason to get pet insurance if you don not already have it!

What Is Pet Insurance: Pet Insurance is basically the animal equivalent of health insurance for people. In other words pet insurance is designed to ensure that you can cover the medical costs in the event your beloved pet falls ill, has an accident, is injured or requires emergency medical attention for whatever reason. What Does The Insurance Company Get Out of It? Just like any other business, insurance companies that provide pet insurance do so to turn a profit or to put it another way, they are in the business to make money!

Pet insurance like pretty much any other kind of insurance is a gamble of odds, or a case of Just In Case. This simply means that a pet owner who signs up for pet insurance does so not because they expect or wish their pet to fall sick or come to harm, but just in case their pet requires medical attention for whatever reason; their insurance plan will then help offset the not inconsiderable cost of veterinary care and attention their pet might need. The insurance provider as mentioned before is in the business to make a profit. Hence they don’t care whether your pet is called James Thaubert III and comes from a distinguished line of ratters, what concerns them is what are the odds that that just-in-case scenario where you make a claim on your policy will become fact.

Having a basic working knowledge of the insurance industry will help you understand why pet insurance companies will not insure certain cases, or why you may have to pay a higher insurance premium. For example a lot of insurers will demand a higher premium for elderly dogs (if they’ll even insure them at all) because older animals are evidently more prone to debilitating disease and injuries that require medical attention which translates into money out of the insurer’s coffers since they’d have to make good on a valid insurance claim.

UNDERSTANDING SOME BASIC INSURANCE TERMS

Insurance Premium: This is the amount of money the insurance company will charge you for active or ongoing health coverage of your pet.

Deductibles: This is the amount you need to pay your insurance company before they’ll cover the expenses laid out in your pet insurance policy.

Policy Limit: This refers to the absolute maximum amount the insurance company will payout for a particular insurance plan.

Exclusions:. Most Pet Insurance companies have a list of "exclusions" in their plans to keep premiums and overall costs low. Such exclusions vary from company to company and are also dependent on the insurance policy or plan that you settle for. However as a guide generally expect the following to be listed as exclusions:

Pre-Existing Conditions. These may be further subdivided into Temporary Pre-Existing Conditions and Permanent Existing Conditions.

Temporary Pre-Existing Conditions may be described as those conditions that will eventually heal or get cured. Say for example that your dog had an ear infection a year prior to the activation of your pet insurance plan, most insurers would consider that a pre-existing condition until such period that a full year has elapsed (or whatever length of time is stipulated in the policy) with no recurrent infection since the time of the original infection. Thus most insurance policies would qualify that as an exclusion and hence it would not be covered

Permanent Pre-Existing Conditions. The vast majority of pet insurance companies will permanently exclude pre-existing incurable conditions, such as a case of a dog that suffers from Cushing’s disease; this would be considered an incurable permanent pre-existing condition.

Other Common Exclusions include:

Behavioral Problems;

Cosmetic Procedures;

Grooming;

Elective Procedures (tail docking, ear cropping, removal of declaws); and

Congenital and hereditary disease.

Once again such exclusions vary from company to company and although several insurers will either not cover breed-specific hereditary disease or demand an increased premium, there are those companies that will include genetic and hereditary disease coverage in their plans just as long as your pet does not currently show any signs or symptoms of the condition.

Pet insurance has certainly come a long way since the 1980s when the first such company set up base in North America and started offering this type of insurance. Now there are a number of companies offering pet insurance which is great news for pet owners because competition in any field tends to drive down end-consumer prices! These days there are certainly a good number of pet insurance plans to accommodate any budget. Needless to say, the different plans vary considerable especially when compared for the different insurance companies.

It is impossible to address and list every available plan out there but a good rule of thumb is to compare quotes from a number of different companies because quite often one company may well offer services another won’t for the exact same monthly premium!

Should You Bother with Pet Insurance?

Perhaps currently your pet is in seemingly perfect health but could you say with certainty the same of tomorrow? Remember health insurance for your pet is there to act as a safety net in the unfortunate event that your pet is befallen with some medical mishap. If you truly love your pet and consider he/she as a member of your family then getting pet insurance is a no-brainer. Not only will it save you heaps of regret and feelings of guilt (when beloved Skip has to be euthanized all because you didn’t get insurance that would have covered the medical costs of the cancer treatment) it will also spare you those soul-burning accusatory glares from your kids!

But seriously, with insurance plans as low as $10 a month, and considering the escalating costs of veterinary care, pet insurance really ought to be a priority if you do indeed care about your pet but if that still is not persuasive-argument enough, then perhaps the following list of common veterinary expenses might just be enough to convince you if you still harbor doubts:

Cancer Treatment: $3500 and upwards;

Hip Dysplasia: $2500

Road Traffic Accident: $4500

Leg Fracture: $2500

Foreign Body Ingestion: $4000

Pet Health Insurance

By Kayye Nynne

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Discover why pet insurance is gaining popularity and its importance to your Beagle dogs…

Beagle dogs are popular and good household pets. Their even temper and gently disposition are what makes them ideal to become new member of the family. Expectedly you only want nothing but the best for your loyal friend, your Beagle. Beagle dogs are known to lack inherited diseases but still they are at greater risk to some diseases that could diminish their healthy condition and even affect their longevity.

Regular grooming and cleaning, giving of proper nutrition and vaccines for protection against diseases are ways to keep Beagle dogs healthy and happy. Those are definitely nice gifts and your pets will surely appreciate you for those gifts. But have you ever thought of getting a medical pet insurance for your dog? Most people are familiar with health care insurance… for themselves, not for their pets. Pet medical insurance is another best gift a dog owner can offer his pet.

Imagine your dog sick or injured. Cost of veterinary care could quickly rise and for some cases, beyond your ability to pay. Will you just be contented seeing your dog helplessly suffering and may be slowly dying? It will surely break your heart knowing that you can not provide the necessary medications needed to treat your dog and save his life.

Many people defer from buying insurance, much more pet insurance because for them, that is just a waste of money. But think again of your dog and the consequences if he is left untreated. Pet insurance is one way of keeping your pet healthy and happy without having to worry of the expensive costs of veterinary care. Getting a pet insurance for your dog is not a waste of money after all. Pet insurance premiums vary just like in health insurance. All you have to do is choose which one is best for you and your pet. Some policies may include annual check-ups and the required vaccinations, some include spaying and neutering and even death claims. Some policies are limited only to accident and illness.

As owner, you are well aware that Beagle dogs are working dogs and there main purpose is to hunt hares. It is expected that they will be spending more time outdoors whether doing their hunting activity or just for a mere walk in the park to meet their exercise requirement. Beagle dogs out in the field to hunt are more prone to minor injuries such as cuts and sprains and more likely to pick up fleas, ticks, tapeworms and other parasites. By getting a pet insurance, you can guarantee his health, happiness and his longevity. It is just right to treat him right after all the love and happiness he caused you and your family.

Richard Cussons writes articles of various topics. For more information, see Beagle and learn more about Beagle dog here.

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In other words, it’s not as crazy as it might sound. Depending upon the policy, your pet and your financial condition, you might want to invest in some insurance.

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Does Your Pet Need a Pet Insurance Policy?

Discover how your cat or dog could leave you financially vulnerable and how the right pet insurance plan can protect you from a range of costly risks.

How likely are you to need pet insurance? According to one provider of a popular pet insurance plan, over one-third of policy holders end up claiming on their policy at least once. And pet insurance isn’t necessarily an indulgence for owners who’ll pay anything to keep their pets healthy, say industry spokesmen. According to the latest figures, a good pet insurance policy can shield you from hefty vet fees if your pet requires medical care.

• 2500 for hip replacement for a typical dog
• 1,200 to set bones and care for a cat injured by a car

A good pet insurance policy will cover expenses in a number of different types of situations.

• Property damage by your pet

  If rover gets loose and uproots the neighbor’s prize petunias, don’t despair. If your home insurance policy doesn’t cover the cost of replacement (some policies do), your pet insurance should. Some policies will cover damage done to your rented flat by your pet as well.

• Kennel fees if you fall ill

  Who’ll take care of your pet if you end up hospitalized for any length of time? Most pet cover will pay for kennel fees or cattery fees to board your pet while you’re in hospital. That’s one less worry for you so you can concentrate on getting well.

• Advertising costs for a lost pet

  Most pet insurance policies reimburse you the cost of printing Lost Pet posters and advertising expenses in case your best friends wanders off or is lost.

• Vet bills

  The amount that your pet insurance will pay on vet bills varies and can depend upon many factors, and there can be many exclusions. If you own a pet that is prone to congenital conditions, you may find that those are excluded from cover, for instance, as will be most pre-existing conditions.

• Compensation for accidental loss or death of your pet

  If your pet is lost or stolen, the policy may pay out a death benefit for burial or disposal, as well as replacement cost for the animal. While nothing compensates you for the loss of that particular pet, it can be an important benefit if your pet was an expensive breed that you’d like to replace eventually.

• Payment for holiday cancellation if your pet becomes ill

  You may have travel insurance, but it’s not likely to pay out if you choose to stay home because your cat is ill. Pet insurance, on the other hand, can do exactly that.

How to Save On Pet Insurance

Like vet bills, the cost of pet insurance is rising steadily, but you can still find some excellent bargains. The key to getting value for money from pet insurance is to know what you need and to get it by shopping around. There are currently over 400 different pet policies on offer in the UK, and prices can vary by quite a lot. Shop online at insurance price comparison sites and get quotes from several different providers.

Don’t make the mistake of buying based on the cost of the premiums alone, though. Compare the benefits offered on the different policies to find the cheapest pet insurance and choose the one that’s the best fit for you, your pet and your budget.

By Simon Christopher

Pet Insurance

photo credit: ReferenceCentre Many pet owners go into ownership without fully counting the cost that it takes over the years to keep a pet healthy. 

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Pet Insurance in The UK

Pet insurance deals and information, specific pet insurance offers for the UK Insurance market covering all forms of pet insurance.

Everyone who has a pet will understand how important it is to have veterinary insurance cover in the event that your beloved pet falls ill or requires a vets expert help. There is no doubt that vets and veterinary surgeons are well qualified and are just a capable as a medical doctor or surgeon when it comes to giving the right diagnosis and treatment for your pet. The main question is how do you pay for the veterinary bill once your pet has had veterinary treatment? Vet bills are expensive and are not covered by your own medical insurance or the health service.

Pet insurance is the best option for you and does give some peace of mind if your pet needs veterinary treatment and you have to make a claim against your pet insurance whether you live in the UK or elsewhere. This area of insurance is quite tricky and it is very important that you check the exemptions and clauses that apply to your pet insurance. There are various levels of cover and each will attract a different pet insurance quote.

It is also worth bearing in mind that many pet insurance policies only cover the first episode of veterinary medical treatment that your pet may experience. For instance, a case was reported to me recently where a couples basset hound dog underwent treatment and surgery for irritable bowel syndrome. The veterinary bill exceeded 1500.00 and is covered by their pet insurance policy for this first episode of irritable bowel syndrome. The couples main concern now is that any further episodes of irritable bowel syndrome will not be covered by their pet insurance premium. This means that they will have to pay for the veterinary treatment themselves and will not be able to make a claim against their pet insurance policy. The pet insurance will still be valid if your pet develops a different condition – for example an injury that is sustained which is unrelated to the irritable bowel syndrome.

The above case study illustrates how important it is to check in advance what is covered by the pet insurance quote you receive when considering the cost of pet insurance. Pet insurance works in a similar manner to any other type of insurance but there is a lot a small print which it is essential you understand and read prior to taking out a pet insurance policy. It is often a good idea to talk with your pets vet before taking out pet insurance to gain their valuable insight into which pet insurance companies offer the best pet insurance and coverage levels that they know of in their experience. Remember it is their job and they will hear over and over again which pet insurance policies perform the best. So take their advice if they are willing to give it. They probably won’t be able to recommend but they can say whether or not they know of any problems with a particular pet insurance company.

Also worth noting when researching pet insurance is the amount of any compulsory excess that you will have to pay in the event of an insurance claim. If you are currently looking for Pet Insurance then check out Insurance Online UK at Pet Insurance UK.

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Pet Insurance – An Increasingly Important Option

There are many factors to be taken into consideration when deciding about health care insurance for our pets ,after all they are part of the family! Although having pet insurance is a very important part of health care, it is essential that we choose the right insurance policy enabling us to keep our pets safe and healthy and leading happy and active lives. We can do this by checking out the small print before making a decision, paying particular attention to the points listed below. As with any kind of insurance, you need to know if the company uses a provider list or network. Maybe your pet is normally seen by a vet who is not part of such a provider list so you would opt to use another company in order to stay with the vet your animal is familiar with. The fact that you are allowed to nominate the vet of your choice is a major benefit to most pet

There are many different exclusions that are associated with pet insurance, the most prevalent being pre-existing illness or condition. Just like insurance for you and your family, if your pet has a condition that was diagnosed before you started the insurance policy, it will not be covered by pet insurance. There are other procedures such as heart worm medication, spayed, vaccinations, dental care, flea control, that are not covered by pet insurance. Another aspect of pet insurance is that coverage is limited for the first year of your pet’s life if he or she is not neutered. Pet insurance also has a deductible. This is usually around fifty dollars, however it can increase with the age of your pet, and if procedures need to be performed, each one will have its own co-pay.

Companies that provide pet insurance usually have a limit to how much they will cover. Each procedure is covered up to a certain amount. If the medical bill is over that amount, then the pet owner is responsible for that portion. There are some pet insurance companies that will initiate a lifetime cap to benefits. This means that if you have an older pet, and he or she gets ill, you are responsible for the medical payments if the insurance runs out. Studies have found that an alarming number of animals are euthanized every year simply because the owner cannot afford the medical cost of treatment. Many companies offer different plans that are designed around the age of your pet. These companies also offer different coverage for different illnesses. There is accident, illness, and even dental insurance for your pet.

Many people treat their pets as family members and appreciate that as such, the animals need to have medical treatment available just like the rest of the family. Realistic benefits, for example, third party liability, boarding fees in the temporary event of the owner not being able to take care of the pets, and the cost of placing an advertisement for missing pets in the local newspaper have been introduced as an available add-on option by the insurance company.

David Lee is the owner & designer of several pet sites. Find info on cat care or to pamper your kitty, cat furniture. For Dog health see dog bone cancer and German Shepherd health. For older pets check out our pet steps.

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Posted under Cheapest Pet Insurance

How Much Do You Value Your Pet?

Would you be able to afford veterinary treatment if your pet was to fall ill or suffer an accident? It is surprising how expensive vet treatment can be and many owners would simply not have the funds to pay for their pet’s treatment if the worst were to happen. Here you will find out everything you need to know about pet insurance and how it may help you.

Our pets are often like our children. We feed them, we look after them and we do our best to keep them safe from harm. However, as with children you cannot wrap them in cotton wool and sometimes accidents can occur or illnesses can develop.

The cost of treatment can be extremely expensive and that is why many people turn to pet insurance to provide financial support and peace of mind should a loss occur or treatment be required.

What is Pet Insurance?

Pet insurance is designed mainly with dogs and cats in mind. However there are some insurers providing policies for other animals such as rabbits and horses.

Basically it helps you to afford the cost of diagnosis and treatment of injuries or illnesses that your pet may develop. It is also there to help in case your pet suffers an accident and needs emergency treatment. Some policies also provide protection in case your pet is lost or stolen. However, each pet insurance policy will differ and you will need to read the small print to ensure you know what the policy covers.

Do You Need Pet Insurance?

Pet insurance is not a legal requirement though if you value your pet and being able to treat it quickly with best medicines and techniques, it is definitely worth considering. Would you be able to afford veterinary treatment if it was needed tomorrow?

Many people think that their pet will be fine and only be likely to need expensive treatment as it gets older. After all, you’re a careful owner and you know that your pet is safe under your watchful eye. However, did you know that one in three pets needs veterinary treatment each year?

You can guarantee that the owners of these pets didn’t think that their pet would have an accident or illness! At the end of the day you cannot watch your pet twenty four hours a day or prevent certain health conditions. It is almost impossible to prevent accidents form occurring to lively and energetic animals, so insurance is something that all pet owners should think about.

Finding a Good Insurance Policy

So what should you look for when buying pet insurance? Many policies will cover your pet for the basics such as accidents, loss, theft and illness. The degree to which a policy will compensate you can vary widely as can the terms and conditions applied to making a claim.

One of the major features to consider though is if you require lifetime cover or restricted payouts for health conditions you might claim for. This can depend upon your budget, the age of your pet and it’s breed. Lifetime cover plans will payout for as long as the condition lasts, providing you continue to pay the premiums.
Restricted payouts limit the time of any one payout to a period such as 12 months. Again, this is why it’s crucial for you to pay close attention to the fine print and don’t assume all policies are the same.

Overall finding good pet insurance does not have to be difficult. Just remember to shop around using price comparison sites or find a specialist broker and cheapest pet insurance with good coverage. But always read the small print.

You can find a comprehensive list of leading pet insurers at http://www.uk-insurance-index.co.uk/pet-insurance-companies-1.html where you’ll also find reviews of pet insurance policies and providers submitted by consumers.

By Bev Sharpe

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Posted under Cheapest Pet Insurance