Pet Insurance VS Wellness Center for Your Dog or Cat – Which Is Better?

Often kids don’t listen. My son just spent $3000 for an MRI and ongoing care of his best buddy, his golden retriever! He joined a well know wellness center that did not pay for a cent of the procedures. And yes, I loaned him $1500 to pay for part of the cost with a caveat I will leave up to you to guess!

The cost of veterinarian consultation and care for pets can be quite high. Pet owners are often left asking themselves, should I buy pet health insurance or not? Although it may seem like a far-fetched or luxurious undertaking to some, pet insurance is an important part of raising your pet. Premium payments may seem frivolous at the beginning but they become useful with time. The insurance cover offers peace of mind even in the face of escalating vet charges.

Vet bills have spiraled upwards currently due to the use of advanced procedures for treating pet diseases. Equipment such as CAT scans and MRI’s are increasingly being used for diagnosing pet diseases. Surgical procedures and medications have also been introduced to deal with frequent pet ailments and allergies. These methods of treatment can be quite costly for an average family to cope with. This is where pet insurance can be of great help.

One avenue that many people are looking into are Wellness Centers. They offer services that deal mainly with the ongoing care of your dog or cat but don’t offer reimbursement for injury or illness that a good insurance policy will!

Another factor that necessitates pet insurance cover is accidents. Pets are always prone to accidents especially when they are left to explore the outdoors. Accidental injury to your pet can cost you substantial amounts of money that you had not planned for. The animal may require surgery, medication and after-care treatment due to the incidence. Pet insurance becomes handy during such moments.

When shopping for pet insurance, there are important factors to put in mind so as to get the best possible deal. Follow these pet insurance buying secrets in order to get an affordable deal you can work with:

1. Ask the right questions from the Insurance Company. Only a smart shopper can get exactly what they want at a reasonable fee.

2. Thoroughly review the policy documents while making comparisons between different Insurance companies. Hidden clauses and details can cost you significantly due to ignorance.

3. You can go through pet insurance reviews online and check out the scores of different insurance companies. Feedback from other customers can help in choosing the best and most affordable insurer for your pet.

4. Search for companies that have benefit schedules for their insurance plans. These schedules are essentially lists of diseases and the maximum value the insurer can pay for treatment. The schedule offers customers transparency into how payments are calculated.

The importance of pet health insurance for cats or dogs should not be taken lightly. Animals may require emergency treatment for illnesses or accidents abruptly. This may happen amidst skyrocketing vet and pharmaceutical charges. Nonetheless, with an appropriate pet insurance cover, you can rest easily with knowledge that your pet is sufficiently protected. The points outlined above can help you in picking an appropriate insurance cover for your pet.

Pleas follow the link below that has a wealth of content on why pet insurance and the difference between it and a wellness center!

Pet Insurance Tips Pet Owners Should Know

At any time of the year, our naughty four-legged furry friends, such as our pet cats and dogs among others, are more prone to illness or injury especially if they are spending more time outdoors. Many pet owners are worried they wouldn’t be able to afford health care services for their pets. Pet insurance is a smart option to help you with the veterinary expenses. But before you finally decide, here are a few tips to assist you in your pet insurance choices.

To start with, there are several types of pet insurance to choose from. A pet health insurance plan reimburses the pet owner of covered veterinary care and itemizes covered treatments, lifetimes, or per illness maximums. As you will see below, the cost of a pet health insurance policy will vary based on the amount of coverage, the type of coverage, geographical location, the type of pet (species), its breed and age, and even whether it is sprayed or neutered. Check this Seven (7) Factors which affect pet insurance cost:

1. Type of Coverage

For the type of coverage, some factors that affect the pet insurance cost are pet’s illness, accident or routine care. When considering this, you should know what benefits are covered and what are not covered. Generally, the larger the amount of coverage, the greater the premium amount. If you take over a larger share for your pet’s veterinary care, the premium will be smaller. Choosing not to cover your pet’s routine care will help you lessen the cost of insurance.

2. Policy Limits

Some important things to consider when dealing with policy limits are deductible, co-pay, incident cap, annual cap because these factors affect the cost of insurance. You should determine how much you need to pay before the Pet Insurance Company reimburses the expenses. You should also know what maximum amount is paid per incident or illness as well as annual caps. To get a more affordable pet insurance, it’s recommended to choose a higher deductible, higher co-pay, and lower annual maximum.

3. Geographical Location

Since veterinarian costs differ significantly between areas, the location where you live affects the premium. Generally, the cost of veterinary care is much expensive in a big city than in a small town, which affects reimbursement rates.

4. Type of Pet

Certain pets tend to have more illness or accident problems than others. Like for example, dogs have more injuries and health problems than cats. Because of that, it’s much expensive to insure a dog than a cat.

5. Breed of Pet

There are certain breeds of dogs and cats that have more health problems than other breeds. The insurer considers this factor to calculate the premium you need to pay to insure your pet.

6. Age of Pet

The age of your pet also affects the cost of pet insurance. Generally, pets that have age between 8 weeks and 5 years old are given with the best rates. For those older pets, the premium will be higher because they usually have more health problems than younger ones.

7. Spayed and Neutered Pets

Usually those spayed or neutered cats and dogs will receive a lower premium because they have a lower risk of having diseases and illnesses.

Pet Moving – What You Need to Know

While relocation can be one of the most stressful events in one’s life, the prospect of pet moving can give the worst nightmares to the pet owner. A pet, no matter whether it is a four-legged animal or a bird, is always one of the most loved members of the family and the thought of it going through any discomfort during relocation can be extremely traumatic. Therefore you might have to spend more time in doing research to find the most suitable and experienced moving company who has the requisite experience in pet moving. Only a reliable and experienced moving company can ensure safety and comfort to these mute friends of the family.

How do you go about looking for the right pet moving company? As a first step, you need to check out the company’s past record of moving pets. Any company, who has the right expertise in moving pets, would voluntarily come forward to give you counseling tips and advice on the best and most suitable way to move your specific pet. They would consider factors like breed, age, specific sensitivity to climate change, eating and living habits and so on.

However, is it enough to find a pet-friendly moving company? No, as they ought to have an experience veterinarian on board too, who can examine the pet before you move it. He would also tell you if there are any special health precautions that you need to take for the pet before it undertakes a long journey. The company would also suggest any special arrangements for the pet which they want to provide, during its journey from one city to another.

Your next task when settling down for a suitable pet moving company is to look for the arrangements they have for the pets. Some companies do not follow any specific procedure to move pets while another company may suggest some customized pet support during transit. Be that as it may, their past experience in handling your kind of pet is what you need to be doubly sure about. If they have experience in handling a variety of pets, it is good news for you as your pet is then expected to get the care it deserves during travel. In this regard it is wiser to take a referral when finalizing the pet moving company than taking a calculated risk with a company you suddenly chanced upon on the internet.

It is also a good idea to check with the moving company moving your household goods if they can offer pet moving services. It is always better to deal with one moving company than with several companies at the same time.

Pets are dear to us and you cannot afford to go wrong with its relocation. Therefore, before you take the final decision regarding the moving company, check the company’s reputation, licensing and customer satisfaction records with regard to relocation of pets. Proceed only when you are 100% satisfied with what you find.

Is There A Better Alternative To Pet Insurance?

If your home is like 72.9 million others in the U.S., it is home to at least one pet. According to the 2011-2012 APPA National Pet Owners Survey, 62 percent of households in the U.S. have at least one pet. It’s not hard to imagine why. Pets, whether furred, hoofed or winged, bring so much to our lives. But, along with unconditional love and unquestioning devotion, they can also bring significant vet bills. In fact, the APPA (American Pet Products Association) estimates that U.S. pet owners will spend $14.1 billion on veterinary care in 2011.

Some pet owners opt for pet insurance as a method of reducing the costs of routine and emergency vet visits. However, Consumer Reports recently published a review of several pet insurance plans. The review was not favorable. Their basic conclusion: “Pet insurance is rarely worth the price… Only in uncommon cases, when a pet required very expensive care, would the coverage have more than paid for itself.”

Here are a couple of reasons why a pet insurance plan may not be your best option to save on your pet’s healthcare costs.

1. Lack of Coverage
Most pet insurance companies promise to cover 70 to 90 percent of your pet’s veterinary costs. However, these companies have adopted much of the fine print that the large human health insurers use: cumbersome claims processing, deductibles, per-visit reimbursement limits and per-incident limits. They may also deny coverage for many common conditions, including those deemed “inherent to the breed” and “pre-existing” conditions. As a result, their insurance rarely covers more than 50 percent of a pet’s annual medical costs. And since they charge $400-$1100 for a policy, the insurance typically costs the average pet owner far more than it saves.

2. Poor Return on Investment
In the aforementioned Consumer Reports review, they analyzed the lifetime vet bills of Roxy, a 10-year-old beagle in Dobbs Ferry, NY. Costs were totaled for nine different pet insurance policies, calculating how much would be paid out in reimbursements. Over Roxy’s 10 years, none of the policies Consumer Reports evaluated would have paid out more than the cost of the plan. Even when treatments for several hypothetical serious ailments were added in, the average policy would only have saved Roxy’s family $65 over her lifetime.

Consumer Reports concludes: “We believe most pet owners will be better off passing up pet insurance.”

So what should pet owners do to help cover rising vet costs? Here are a few alternatives to help:

1. Financial Assistance
There are a number of financial assistance programs financed by grants and private donations. While each one has different guidelines and requirements, your local shelter is a good place to start. Many shelters have updated listings and information on financing opportunities.

2. Veterinary Discount Plans
Veterinary discount plans provide discounts on services at participating veterinarians, immediately reducing the amount you have to spend on routine and emergency care. In Consumer Reports hypothetical case of Roxy, the largest veterinary discount plan showed Roxy’s family saving almost $2,500.

3. Start a Pet Savings Plan
Open a savings account with a high interest yield that you can use an emergency fund. If you put away just $25 a month for 4-5 years, the compounded sum will cover almost any procedure.

Be creative! Mix a Pet Savings Plan with a Veterinary Discount Plan and Financial Assistance plan. Now that’s something to crow (meow, bark or chirp) about!