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Pet Health Care Coverage

Pet Health Care Coverage

Recent revelations in scientific research have provided pet owners with the means to now save their beloved family pets from injuries and illnesses that would have caused the pet to be euthanized in the not so distant past.

The sad thing is that when the unthinkable happens and a pet’s life hangs in the balance, most pet owners discover that they are not able to afford the often staggering price of treatments—some ranging from three thousand to ten thousand dollars. These conditions put pressure on owners to euthanize their pets. It is in these instances that pet owners wish they had the foresight to purchase a pet insurance policy.

Pet insurance is much like human insurance.

Pet owners who purchase pet insurance plans from insurance companies do so for a variety of reason. They might be intrigued by the idea that they may save their pet’s annual trip to the vet or they might be worried that if a serious crisis develops they won’t be able to afford the needed treatment.

Mortality/fatality pet insurance is also akin to human insurance. The owner pays a premium every month the pet is alive and in the event of its death the owner is reimbursed a predetermined amount of money. While the mortality/fatality insurance doesn’t take the sting out of losing a beloved pet, it may help with any additional medical bills that accumulated over your pet’s life. Something owners should be aware of is that when they possess mortality/fatality insurance, almost all companies require that the owner contact them before the pet is euthanized. They often ask to speak to the veterinarian in charge of your pet.

Basic medical health insurance typically covers veterinarian expenses such as accidents, non-elective surgeries, hospitalizations, and illnesses. One popular company pays from cuts to cancer up to one thousand dollars, most pet owners use this plan for emergencies only. Pet owners are advised to purchase a pet healthcare insurance plan as early as possible, the reason being that companies and veterinarian’s say that most freak accidents happen early in the pet’s life. Owners should also be aware that some companies do not cover genetic disorders and certain costly surgeries and many will not touch pre-existing conditions.

Horse owners may want to consider purchasing a lack of use policy for their horses. A lack of use policy pays if the horse is injured so badly, it is no longer able to be ridden or bred but isn’t so badly injured to justify euthanizing the animal.

Pet Health care plan
Know before you buy ASPCA