Saturday, May 28, 2011

A Pet Insurance Guide

By Michael Redding


Nearly 75% of households in the US have a dog or a cat, and the idea of having pet insurance is becoming popular. If there are any serious medical expenses associated with your pet this insurance, usually called pet medical insurance, will help pay the costs of treating, and other related expenses.

The latest advancements in the field of veterinary science have helped in increasing the life expectancy of pets. However, the same has come at the cost of frequent vet check-ups, more vaccinations and preventative treatments that can burn a big hole in your pocket.

Pet insurance plans are designed to make affording these costs a little bit easier on your wallet, which will make it that much easier for you to ensure that your pet is getting the care that it needs to stay healthy. Not only do you get a healthy pet, but also some security financially too.

To make an educated decision when deciding which pet insurance policy to buy, there are several things that must be taken into consideration. Your pets age, breed, and and existing medical conditions should be thought of. Generally, the older your pet is, the higher you will pay for the insurance policy.

Insuring pure breed dogs that are genetically disposed to contracting certain illnesses can also prove relatively expensive. The same holds true for aggressive breeds that have a higher tendency to get into fights and sustain injury.

A pets preexisting condition might not be included with your policy, and may also not be considered when the policy comes up for renewal. Some for the issues that could be listed in your policy as preexisting include certain treatments, genetic issues, and cosmetic issues.

For a comprehensive coverage, you should opt for a policy that not only covers the medical expenses for accidents and illnesses but preventive care as well. This includes regular checkups at the vet, neutering, vaccinations and teeth cleaning.

If you happen to have more than one pet, you can save a bundle of money by getting them all insured together on one plan. This is one of the best ways of getting the most bang from your buck.




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