Pets and Pet Training

Posts Tagged ‘Insurance’

Article by alan payne

How would you feel if you looked into your yard or garden one day or called your pet name one morning, to not then see your loveable, companion pet friend come leaping towards you.

Panic then hits home, you think to yourself, i hope they have not run away or got lost and in an instant you start to worry and panic until a little later after many calls of their name or making that familiar noise with their food bowl, they finally come bounding back which then makes you feel happy and relieved once again.

So how do you think you would feel one day if your favourite pet did not return to you?

Pet theft accounts today for about two million companion pets stolen each year from their owners homes or whilst in parks or off the street. Recent crime statistics released state that pet theft has overtaken mobile phone and i pod robberies to become the most rapidly growing crime in the UK. Some are taken under false pretense and sold through ads, abducted from their owners yards, or taken from pet care shelters called pound seizure. These animals are then sold to research laboratories or dog fighting rings where they are often abused and sometimes killed.

There are many organised criminal gangs at large scouting areas looking to abduct pets for ransom reasons. If the owner does not pay up then the pets are usually killed or let loose many hundreds of miles away from the area of abduction. Cats are especially vulnerable to abduction as they are small and make little noise when stolen.

If this happened to you, then you would want the very best help as quickly as possible. VPI Pet Insurance care cover is a must if you want the very best assistance in this situation. These VPI Pet Insurance policies cover legal assistance where a private investigation team could work on your behalf to retrieve your pet as quickly as possible for you.

They work closely with the local police and investigate thoroughly and are professionals at what they do. Usually these pet abduction gangs are run by well known criminals who can be familiar to the police, so this information is released over to the specialist team working on your behalf who can carry out surveillance of the pet abduction gangs,looking for your pet.

If a ransom note is received, the specialist VPI pet insurance team will take over the operation so you wont ever need to come face to face with any criminal minds. Some VPI pet insurance policies also cover the ransom amounts up to a specified and agreed figure with the customer.

In the unfortunate instance that your pet is never returned, the VPI pet insurance company will offer you anything from ?500 to £1500 for the value of your pet, usually the only condition in your policy will be evidence that your pet has been missing for thirty to ninety days.

Included in many VPI pet insurance policies are the covering costs of advertising in your area and local newspapers for your lost pets safe return. These pet care policies also pay for the costs of offering a reward to anyone with information or return of your pet.VPI Pet Insurance services offer high street name pet insurance cover companies like Sainsbury, Pet Plan, Marks & Spencer, Argos and the RSPCA to name only a few.

The best way to find or even if your just considering this pet care insurance is to use the internet. On the internet you can obtain quotes from all these different companies in a matter of a few minutes.

Many VPI Pet insurance companies also offer anything up to 10% discount if you buy online which can result in great savings. We recommend that you shop around on the internet between the various online pet care companies as you will be surprised what you could save on each policy offered.

For more information on VPI Pet Insurance services,check out my resource box below this article

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Marc the Vet talks to Simon Wheeler from Agria Insurance about what to look for when buying pet insurance – www.agriapet.co.uk
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Article by Janine Anzalone

The pet insurance market has exploded! Dozens of pet insurance companies are popping up all over the web. When looking to provide health coverage for your pet, questions arise. Should I invest in pet insurance? How much will I really use it? Is it worth the financial investment? What’s covered? What’s not? What is my pet’s current health status and will that affect my rates? I have 4 dogs; that’s a lot of money for insurance each year! Does insurance only cover certain types of pets? Is there any other choice for protecting my pet? You may have already started the process in researching the various companies out there, and if you haven’t thought about it yet, I’ll guarantee you will think about it now.

When choosing a pet insurance policy for your four-legged family member, there is a lot of research ahead of you. Each insurance company may not offer the same exact product for pet health care coverage, but the vast majority will be similar with their plans available and only cover cats and dogs. They will sing songs about their coverage and the peace of mind it brings. The reality a pet owner faces is that the costly quote they are given when they apply, comes with many stipulations. The money spent each year to have full coverage for your pet seems to be wasted each time the insurance company informs that the pet’s health condition is pre-existing or a hereditary flaw and will not be covered. In some cases, pet insurance companies will deny coverage because of the pet’s health records, which will be required when claims are submitted. Common problems policy holders face are among waiting weeks for a claim to be paid, and being unsure how much of that claim will be reimbursed based on an insurance company’s fee schedule. Policy holders also have to meet deductibles before claims are paid. Hopes that your rates won’t increase too much each year your pet ages, or that the insurance company won’t drop your pet all together, doesn’t sound like much peace of mind! It becomes a frustration and a dead end which will cost more money.

Bottom line is that consumers want cost effective options. Some feel that pet insurance is a trap. We are certainly not saying it’s worthless, but there is a powerful alternative for coverage that gives more back for a minimal investment. Pet Assure, the benefits program that has thousands upon thousands of pet owners smitten, offers members discounts and savings on not only veterinary care, but everything else needed for pets too! Pet Assure is not insurance. It’s a membership club that acts as a discount program. Why a discount program? It’s very simple. To save pet owners money on providing what they need and want for their pets! For a low cost fee that is sure not to put a dent in the budget, members receive an automatic 25% savings each and every time they have a visit with a participating veterinarian. There is a nice size network of providers to choose from, which is constantly updating and growing.

A significant difference between Pet Assure and pet insurance is the benefit of savings with a nationwide network of participating retailers and vendors. Pet Assure members receive discounts on everything from food, medications, health maintenance products, supplies, training, grooming, boarding, and more. Also, the program offers a lost pet recovery service for enrolled pets known as PALS. Insurance companies do not offer such benefits to their policy holders.

With Pet Assure, there are never any conditions or stipulations. No forms to submit, no waiting for claims to be paid, and no worries! All pets are covered no matter what type, including rodents and reptiles. Health conditions past, present or future have no bearing on enrollment. Family plans are available for multiple pets in a household, and there are no claims to worry about. The discounts are applied immediately, savings are gained instantly, and there’s no looking back. This is the type of pet care program that provides immediate gratification and brings peace of mind.

Being aware of what’s out there and gaining valuable knowledge to determine which options are best for your pets, gives you an advantage to choose the most beneficial coverage. There are alternatives to insurance. Ask yourself, which coverage truly gives peace of mind?

Related Pet Insurance Articles

Article by Jenny Black

It is estimated that almost all the households in UK own one or more pets. It is because pets not only provide companionship to their owners but also warmth and love to the whole household. So it is our duty to see that they are taken care of properly and if any illness attacks them, they should get proper medication. But along with the rise in medical treatments of human beings, the costs of veterinary treatments are also rapidly rising. So most pet owners think twice before taking a pet to the veterinary doctor. But with cheap pet health insurance you can take your dog to doctors without spending much from your pockets. And pet health insurance quote will assist you in purchasing a pet health insurance policy.

Your pet might get hurt while playing, fall from the stairs, fall sick, might need emergency treatments, surgeries etc. The cost of all these can leave a hole in your pockets. With a proper pet health insurance policy, you can easily manage those medical bills. And with a pet insurance quote you can select the perfect pet insurance policy for your pets.

Apart from health and medical needs a pet insurance will take care of the cost of buying a pet again or the cost of searching for a pet if it gets stolen or lost. We all know as to how much does a pet costs. So now you can easily handle all these costs by purchasing a cheap pet insurance policy. All that is required for you to do is to pay a certain premium at regular intervals to the insurance company. The rate of premium is generally lower than any health insurance policy.

Before buying any pet insurance policy, you must search the entire market and collect various quotes from different companies. These quotes come free of cost, so you need not worry about the price of these quotes. You can collect as many pet insurance quotes as possible and later on use them in locating a perfect pet insurance policy. You have to compare these quotes and find out the pros and cons of various cheap pet insurance policies.

Nowadays many insurance companies have their own websites and almost all the required information is available in these websites. So without paying any physical visits to these websites, you can easily apply for pet insurance quotes and locate a cheap pet insurance policy for you pets. Even many companies offer discounts if you buy cheap pet insurance online. So go get pet insurance quotes for free and avail a cheap pet insurance for your pets.

Related Pet Insurance Articles

Article by Simon Markham

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 petIf 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 illWho’ll take care of your pet if you end up hospitalised 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 petMost 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 billsThe 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 petIf 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 illYou 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 choose the one that’s the best fit for you, your pet and your budget.

Article by Nigel M

Most people normally take out a pet insurance policy to cover the bills for serious veterinary treatment as this can become very expensive. In fact so expensive in some cases that the animal is put down as the owners cannot afford the treatments. Pet insurance is there to ensure this does not happen as the insurance company will pay the medical expenses, which leaves you time and energy to nurse your pet back to good health.

What Is Pet Insurance?

Pet insurance is a policy that provides cover for your household pets and is mainly used for dogs and cats. Most pet insurance will pay for the veterinary costs if your pet has an accident or is taken ill. Pet insurance can also provide 3rd party protection for any damage your pet cause to other people’s property and cover other expenses such as theft, emergency kenneling costs, travel and even death. Pet insurance also gives you peace of mind, knowing that your pet will always receive the best medical treatment available.

On average one in every 3 pets require treatment from a veterinary each year following illness or injury and more than half of the visits to the veterinary clinic are unplanned due to sudden illness or an accident. Treatment for spinal injuries, hip treatments, broken legs and internal complaints can quickly run into thousands of dollars, especially if x-rays or medication is required. There are also the unforeseen associated costs that may be incurred like court costs (you are liable if your dog causes an accident) and holiday cancellations. All of these can quickly add up.

Many pet insurance companies only cover dogs and cats as a rule. However, there are some companies that also provide cover for other animals such as horses, reptiles, exotic birds and rodents.

What Types Of Pet Insurance Policies Are There?

Most pet insurance companies offer several policies from the basic through to premium plans that provide cover for every aspect of your pet’s medical care. You need to decide how much care is right for your pet and then choose a policy that closely matches your needs. As with other insurance policies, the higher the premium, the more cover that is provided.

It is important to look out for the following main points to see if they are included in the pet insurance policy:

1. Cover for life or fixed term 2. Vet Fees3. Death from illness 4. Accidental Damage 5. The policy excess 6. Dental treatment? 7. Third Party Liability & legal expenses 8. Death from accident, theft or straying 9. How much of the vet bills are covered. 70 – 100%10. Emergency treatments, X-rays, lab fees etcLike with people, many pet insurance companies require your pet to have a medical exam. This is so the insurer can manage their risk and keep premiums down as they are not providing cover for animals that are on deaths door and having to payout on an animal that are known to be dying. The insurance companies will often put a cap on the total amount they will pay on a policy either in any given year or on any one type of illness. If your pet has a pre-existing medical condition, you may struggle to find an insurance company that will provide cover.

The easiest way to save money on your pet insurance is to shop around and compare prices. Check at least 3 separate insurance companies to compare pricing and terms to ensure you get the best deal.

Article by Madonna Jeffries

Originally when pet insurance was first introduced about 30 years ago it was designed only for domestic dogs and cats. Today in the United States there are more than one hundred and fifty million dogs and cats owned as pets. About half a million (or less than half of one percent) of these pets are currently insured. Accordingly it stands to reason that the market potential for expanding the insurance for domestic dogs and cats is absolutely huge. Horses are also the subject of specialized insurance, especially if the animal is a race or show horse.

It is reality that almost any kind of animal will eventually get sick and require medical care so what about insurance for other types of animals like birds, snakes, lizards, or turtles? A new style of pet health cover known as exotic pet insurance has been developed to cover these less common animals.

Exotic pet insurance originated in the United Kingdom well before it was introduced into the United States. In the very early days of pet health insurance there was not a lot of focus on this type of product because insurance for even domestic animals, such as dogs and cats, was not particularly popular.

So the insurance market seemed to ignore the exotic pet sector of the market on the misconception that animals such as birds and lizards rarely seemed to get sick. The insurers were of the opinion that the cover would not find traction and so they concentrated their efforts on the traditional pets. All this changed, however, when pet health insurance saw a boom of companies being established back in 1996 and 1997 and many of the new comers to the market gave their attention to untapped aspects of the pet insurance market.

Pet owners in the United Kingdom have a very large assortment of different animals as pets. The variety of animals led to advancement in pet insurance to cater for all aspects of the market. The United Kingdom, by virtue of its relatively small size, makes it an ideal place in which to test run new ideas. The cost of developing and promoting new products just like exotic pet insurance is much more simple in the UK than trying to do something similar in the United States.

After the initial success of exotic pet insurance in the United Kingdom this style of coverage started to find its way to the United States. Today even very large pet insurers such as Veterinary Pet Insurance now offer exotic pet insurance but it is not their main line of business. As is the case with the vast majority of pet health insurers they still focus on insuring dogs and cats.

The increased popularity of exotic pets has resulted in a corresponding demand for an appropriate style of insurance, and as such there are now a number of companies that are offering these specialized plans. So if you are in need of exotic pet insurance for your less common animal, just do a little bit of research and you are sure to find an insurance provider willing to assist you.

Article by Paul Kramer

Do you really need a pet insurance? The answer is very simple: it’s a big NO. No, no, no, you don’t need a pet insurance but your pet does. Seriously speaking, when you talk about pet insurance, other people would usually raise one eyebrow. Others may even raise both arms to protest, figuratively. One big question mark can be seen sitting comfortably on their head: Is pet insurance really worth it? Why not find it out right now?

Pets are living longer and it’s because of the love and care you’re giving to them. You sometimes pay more for their treatment when they get sick or injured or there are some other things that might happen to them. And when you’re standing on the edge of a cliff, you might get to wonder: “Wow, I just realize that I’m spending more for my pet than I have presumed. Why, I even spend more for my little tabby than for my own and my family.”

Yes, that’s right. One of these days, you’re going to be thinking that way and you could decide that you need to cut down some expenses for your pet.

That’s okay and that’s perfectly alright but don’t you know you can cut down on expenses for their treatments without ever depriving them of the love and care and treatment that you’ve been giving to your pet which he is now accustomed to? The answer is pet insurance. If your pet is affected with diseases and needs veterinary treatment, the cost can be expensive and this is the result of a surge in pet insurance and depending on situations, a pet insurance can be expensive or not, an overkill or not.

So, does your pet need pet insurance? As what have said, it depends. If you have a small pet, a bird or a smaller dog or cat that isn’t that hyperactive, they may be less likely prone to accidents and therefore less likely to require expensive emergency attention.

If you’re willing to shoulder all the expenses for paying treatment for your pet, insurance is deemed unnecessary. But sometimes, a chronic illness or a serious accident could make you end up shelling out hundreds of dollars and in this case, insurance is well worth considering especially if your dog behaves like a horse. So it depends upon the situation. If you have a Border Collie which is considered very hyperactive, pet insurance. But if you have a two-toed sloth, no more pet insurance, get the point? Always depends on the situation.

You may also opt for a self-insurance. You set aside a sum of money each month and build up that some in case of situations or emergencies uncalled for. But the problem to his solution is what if your pet has caught a severe illness in the first few months of your self-insurance? Now, that’s where the headaches lie and self-insurance doesn’t cover you for liability. What if your dog bites someone? That someone might bite back at you.

All in all, after weighing the odds, if you’re very concerned with your pet’s welfare and yours, sometimes a pet insurance is your best choice. With insurance, it covers the illness & injuries of your pet. You get instant coverage the next day as long as the insurance takes effect and it protects you from other people when they get bitten by your dog or something like that. But the last question is, where can you find a nice, affordable and reliable pet insurance? Could there be something worthy to choose over the Internet? So, how about it? Pet insurance, anyone?

Related Pet Insurance Articles

Article by Brent McNutt

The growing love and adoration for pets has led to an increase in demand for sophisticated medical pet care technologies. Treatments that were once reserved for humans are now available to pets such as kidney transplants and radiation therapy. Fatal animal conditions are now treatable by veterinarians in urbane scrubs and the costs for such treatments range from $ 1,000 to $ 5,000. Expensive and sophisticated medical tools and technologies such as MRIs inflate the costs of pet examinations, as well as detect conditions that might have otherwise gone undetected and untreated. Health care for pets today is no longer a negligible sum that the average person can shoulder even in times of emergency, but is as expensive as human healthcare and may even run a person into debt. Not all pet owners, however, are willing to spend so much for their pet to the extent of going bankrupt, but some pet owners are willing to make the sacrifice for their beloved pets. For these people, they may find consolation in getting pet insurance.

Who should get pet insurance?

For most people, pet insurance is an unnecessary expense since pet insurance coverage can cost from $ 2,000 to $ 6,000 over the life of the pet?an amount that you are unlikely to shell out for pet treatment. A better alternative is to put the money that you would have spent on premiums on a savings account. However, if you are the kind of person who would do anything to save your pet and spend any amount necessary to get your pet treated for an otherwise fatal disease or condition, then pet insurance may be a more practical solution than going into debt.

The pet insurance market

In the Unites States, only an estimated 3% of the 71 million pet owners have pet insurance policies, but this is already a significant increase from less than 1% in 1995. Insurance companies have partnered with Petco Animal Supplies and the American Kennel Club to offer pet insurance. More than 1,600 companies in the U.S., including Google and Office Depot over pet coverage as an optional employee benefit. Veterinary Pet Insurance, a pioneer in providing pet insurance, has seen a 26.8% annual rate increase in revenues since 1998. It has a market share of more than 70% of the U.S. pet insurance and in 2007, had gross sales of $ 149 million.

Exclusions, deductibles and surcharges

Pet insurance is not the solution to all kinds of pet medical care expenses, however. Most pet policies usually have deductibles, co-pays and caps, which limit how much the pet insurance company will pay out on an annual basis. Genetic conditions are also normally excluded from the coverage. An example of a genetic condition that is typically excluded is hip dysplasia in German shepherds and retrievers. However, there are a few insurers who cover chronic and hereditary conditions. The older your pet, the more that you will have to pay in premiums; while some insurers do not cover pets that are older than nine years, those who do usually levy stiff surcharges.

www.treaschwigveterinaryclinic.com You never know when an emergency might strike. Having pet insurance will help with the unexpected costs of illness and accidents and in some cases will also defray the costs of preventative medicine.
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Article by Devin Kirk

Why would a person consider getting pet insurance for their pet? This is one of the key questions asked when a person is first introduced to the idea of pet insurance. The reason people ask this question, is because veterinary bills don’t tend to be that high when going in for regular checkups, or shots (which is most of the time, what people are taking their pets in for). This is an expense an owner may incur every six months, and may be cheaper just to pay out of pocket, instead of paying a monthly fee for it.

These small visits, however, aren’t usually the reason people decide to get pet insurance. When people decide to get pet insurance, they are thinking long-term, and are focusing on the time in their pet’s lives when they may need surgery, or other expensive medications that are outside the realms of a regular checkup. It is always better to be safe than sorry, and if you’ve ever had a pet that has come to this point, then you can appreciate both the service, and the money it helps save when it comes to getting your pet’s medical issues resolved.

If you’ve ever owned a pet for a long time, and watched that pet grow up, and grow old, then you, more than anyone else, can understand the need for pet insurance.

Pet insurance is one of those things that each owner has to decide on whether or not to get. Once this is decided upon, say they choose to get pet insurance, then a pet owner must decide what the right amount of coverage is for both them, and their pet. Each owner will feel differently about the amount of coverage his or her pet should have.

Once the amount of coverage has been decided on, the company a person is looking at getting their pet insured with should be taken into consideration. One of the worst things that could happen, is you get to the point where you need to submit a claim, and find out that your with an insurance company that is notorious for denying claims pet owners file. So be careful when choosing a company, and be sure to do your due diligence for each company you may be considering.

Pet insurance VPI is one of the better companies I saw when I was shopping for coverage for my pets. It is the oldest and largest health insurance provider for pets, and has been around since 1980. Pet insurance VPI covers pets in all fifty states, and also the District of Columbia.

Pet Insurance VPI is the ideal pet insurance company for any pet owner, and pet. They are fast, friendly, and understanding when it comes to processing your claim. Protect your pet with one of the many coverage plans offered by Pet insurance VPI. Remember, it is always better to be safe than sorry, and when it comes to your pet, you definitely don’t want to be sorry.

Article by Tristan Andrews

Do you have a pet? For sure you are like other pet owners who sincerely and generously love their pets. Thus, you need to secure a pet insurance. This insurance product is not very common yet, but it surely is getting more and more popular as years go by. In fact, many pet owners these days are securing insurance for their pets. The market for pet insurance products is rapidly and constantly expanding.

To begin with, a pet insurance is an insurance product that is bought to cover for a pet’s overall health in case accidents or illnesses happen in the future. The product is provided so that the pet owner could be able to pay for all the veterinary expenses in case of possible sickness or accident. It is a fact that veterinary costs are very high, often much more expensive than actual health costs of pet owners. This is especially true when pets are of rare or expensive breeds.

If you have your pet properly insured, you could always rest assured whatever happens to it. You could shoulder veterinary bills and claim to refund those expenses in the future. This is very helpful especially these days when it just much harder to earn money because of the global financial crisis. Filing for a claim is not very tedious and difficult. That is one of the reasons why more pet owners are now deciding to insure their beloved animal companions.

In the past years, insurance policies for pets have broadened to include coverage for many other possible eventualities. Originally, such products only cover pet hospitalization. Now, most insurance for pets cover x-rays and surgery as well. Long-term treatments are also covered, though regular veterinary checkups are still not. Many products also cover alternative or complementary therapies. Some even go to the extent of offering advice lines to the owner so that claims could even be possible in case the pet is lost.

Thus, many observers note that pet insurance policies pose more advantage to the pet owners. This is because the animal owners are the one responsible in case the pets get injured or ill. They would be the ones paying for the bills. And because as mentioned, veterinary costs are very high, it would be much of a help for anyone if he would be spared from paying out hefty bills, especially these trying times.

Veterinary professionals advise all pet owners to invest in pet insurance policies. This is because doing so could help treat and care for the animal in accordance to what is best for such companion animals. It is also ideal because pet owners should make sure pets are given specific and necessary treatment, not according to what is afforded. Thus, insurance for pets should only cover circumstances that owners should be thinking about prior to or during pet ownership.

What’s more? Several pet insurance policies even offer third-party coverage so that you could even file for claims in case your animal companion incurs injury to others or damage to other people’s properties, which should be shouldered by the pet owner in most instances. Even pet boarding expenses during hospitalization and even holiday cancellation bills are covered by some products.

Most insurance policies cover pets in their lifetime, while some cover just a few years.