Choosing the Right Pet Insurance: Things to Consider

Our loved pets such as dogs and cats are more prone to injury or illness especially if they play outside your home. Many pet owners are worried they wouldn’t be able to afford expensive veterinary bills for their pets. Getting a Pet Health Insurance is a good option to help you in taking good care of your pet’s health without spending too much money. But before you finally decide, here are some few tips and advice to guide you in choosing the right pet insurance that suits your budget. Consider these following suggestions:

1. Compare the monthly premium that you are going to pay with the money that will be paid when using the insurance plan.

In this case, if you are looking for a pet health insurance that will cover your pet dog or cat with very large claims or a plan that will take care of only a small portion of the bills, the premium will be lower. Accordingly, if the plan will cover a huge chunk of the bill when your pet gets sick or gets into an accident, then the premium will of course be higher.

2. Try to know if the pet already has an illness.

When the pet already has an illness, this won’t anymore be covered by a traditional pet insurance plan. This such case is called “pre-existing condition exclusion”. The pet owner will have to avail the discount plan recommendation to be excused from this clause.

3. It is important to know your pet’s breed as there are certain breeds of cats and dogs that have more health problems than other breeds. This factor is considered by an insurance company to calculate the amount of premium you require to pay.

4. Deals may be availed.

If the pet owner belongs to the vet industry, or the pet has a microchip embedded underneath the skin, or if there is more than one dog enrolled, there can be a discount.

5. Try to know if the plan requires vets that belong to a network. But mostly, it is the discount plan that has this requirement.

6. The age of your pet also matters in insurance. If the dog or cat has reached a certain age limit, then they may not qualify to be insured anymore.

7. Excluded conditions will have to be paid 100% by the pet owner.

It’s always good to consider these suggestions when evaluating pet insurance plan options for you to ensure that you get the right plan suits to your pet’s needs and your budget.

Do You Have a Contingency Plan in Place for Your Pet?

In the United States approximately 62% of households have a pet. In a recent independently administered ASPCA survey of 1000 pet owners, only 17% had taken the necessary legal steps to protect their pet’s future. Among the 1000 pet owners surveyed, 42% already had a valid will in place but only 18% included their pet in it. The ASPCA estimates approximately 100,000 pets are entered into shelters every year due to their guardian becoming unable to care for them or because the guardian died. And, of the four million pets euthanized in shelters in the United States each year, around 500,000 are euthanized because their owners did not have a contingency plan in place encase of their absence. The pet’s fate is left to luck and circumstances if their human caretaker did not develop a plan. Often, it is a family member of the pet owner who brings the pet to a shelter claiming they do not have the resources to care for the pet and all efforts to find it a new home have failed. Many times the pet is quite elderly and will spend their final days among strangers in a strange land. These orphaned animals are so despondent-not wanting to eat or interact with others, that they are labeled as unadoptable and don’t “sell” well.

In the eyes of the law, animals are considered tangible personal property, however, estate and trust lawyers don’t think of pets as property thereby rarely raising the issue of pet guardianship and animal trusts when discussing other estate planning issues with their clients. All responsible pet owners need to have a contingency plan in place for their pets; something concrete to ensure their pets will be taken care of should something unexpected happen to them. Start by naming, at least, two responsible friends or relatives committed to caring for your pets, permanently if you die, temporarily if you are hospitalized or incapacitated. If a committed friend or family member cannot be established then explore other avenues such as a pet sitter, rescue groups, or veterinarian technicians or students. Bequeathing your pet to somebody in your will is a good option and it is better than nothing at all but keep in mind that a will can be contested over a number of matters not necessarily having to do with the pet, in which case, the will can be held up in probate, putting the estate property, and this includes the pet, on hold for months at a time.

Having a clear and detailed set of instructions for the designated caregiver will benefit the pet greatly. List things like diet, exercise, medications or special medical needs, daily routine, location of veterinarian, and pet sitters. Include information pertaining to behavioral habits such as hates the vacuum cleaner, loves to chase balls, preference time for walks, etc. Another good idea is to carry an “animal card” in your wallet with your pet’s name, type, location, name of contact person and any special care instructions. That way, if you are injured or incapacitated, a police officer, doctor or other responsible person knows that a pet is relying on you. In addition, keeping an “animal document” with other estate planning materials consisting of the same information that is on the animal card, will expedite finding the pet and contacting its legal guardian.

To ensure that your pet is well cared for, provide adequate money for the care of your pet for the remainder of its lifetime. To do this calculation, estimate the pets yearly cost, like food, vet visits, etc. and multiply that by its life expectancy. Funds for lifetime care can be established in wills and estate planning and pet trusts. You don’t have to be a millionaire to leave the appropriate funds to provide for the daily life of a pet. There are two types of pet trusts, generally speaking. First, there is a traditional pet trust which is recognized by all states. It allows the owner to appoint a trustee to manage a stated amount of money for the pet, specify a caregiver, outline the type of care the pet is to receive, the kinds of expenses the caregiver will pay, and what is to be done should the designated caregiver can no longer care for the pet. The other trust is a “statutory pet trust” which is authorized in a majority of states but it does not allow the pet owner to make many decisions concerning the terms of the trust. It is a basic, bare-bones document where the state fills any and all gaps. This trust may not give the pet owner the peace of mind desired about how their pet will be cared for upon their demise.

Our pets rely on us to take care of them regardless of the circumstances. It is irresponsible to ignore these issues and not make a solid and detailed contingency plan for him. After all, he is family, too.

Why You Should Consider Pet Insurance

Health insurance for pets makes financial sense for many pet owners. For others the monthly premiums can actually cost more than veterinary expenses. But what if an emergency occurs? How do I determine if it will save me money? Where can I compare pet insurance?

What is Pet Insurance?

Companies offering veterinary pet health insurance plans have become a well-established part of the pet care industry. These companies offer insurance for all types of animals, including dogs, cats, birds and even exotics. There are a variety of different health insurance options available to you as a pet owner and many are customizable for each pet.

But, the cost of monthly premiums increase as you customize plans and add additional coverage. So is pet health insurance really worth it? The answer requires that you take a close look at veterinary expenses and confront the health risks of your pet.

Compare Pet Insurance – Calculate Veterinary Costs and Assess Risks

Most pet health insurance companies will not reimburse you for routine care. Others offer a wellness type plan for annual checkups. To determine if you should purchase a wellness pet health insurance plan, add up annual exams, vaccines and flea treatments. Or ask your veterinarian’s office for a price list to use to calculate your yearly veterinary expenses. Then you can compare this with the annual premium.

The majority of pet insurance companies will only cover expenses related to accidents or illness. This serves to keep premiums low and can give you financial peace of mind should an unexpected catastrophe occur. And beware that some plans have breed specific illness exclusions, such as hip dysplasia in German Shepherds.

Pet Insurance Review – Read the Fine Print

Every pet health insurance plan is different. Even the basic plans vary in coverage and exclusions. Some plans cover 100% of your veterinary expenses, others only 80%. Many companies issue reimbursement based on the actual bill, while others will use benefit schedules that may be out of date. A careful review of your needs will help you determine what plan is suitable for you and your pet.

Buying Pet Food Online Is A Practical Solution To Modern Living

It might seem that buying your pet food online is an exercise in indulgence, but its practical advantages make it a winning option in a demanding modern world. Buying online has become a major part of a modern lifestyle in which time management is a key skill, and convenience is arguably the most sought after trait of any service. It is no longer enough for a business to welcome customers into a store and offer them good prices.

They are now expected to bring the store to the customer. Online shopping is huge, and while buying clothes and cinema tickets might seem fine, the idea of shopping for groceries for ourselves over the internet remains slightly strange. So, too, might shopping for food for our pets. The realities of modern life makes it far more attractive to buy Royal Canin dog food that Rover loves so much, or the Burns dog food that is specially formulated to improve the delicate digestive condition Fifi recently developed, over the internet, a perfectly practical solution.

Huge Savings

There is no getting away from the fact that online shopping provides the ultimate bargain hunting experience. While it may be simple enough to buy a few tins of Pedigree Chum at the local pet shop, there is no doubt that the price per can there is higher than on online pet stores.

The savings can be as high as 50 percent, depending on the product and brand name. While it may seem that just 2p or 3p can be saved on each can, sticking to your normal purchasing pattern will eventually mean that a significant amount of money could be wasted. Simply calculate how much food your dog or cat eats each month, multiply by 12 and then calculate the difference. Between canned food, mixers, treats and other bits and pieces, the savings could be in the 100s of pounds. Bulk

Purchasing

One of the biggest advantages to buying canned dog or cat food online is that there is a practically endless supply available.

Online stores are extremely well stocked, and so it is easy to buy supplies for the entire year ahead, if necessary. Bulk purchasing is par for the course, and so placing an order for a year supply of dog food is a good idea. This also means that the savings to be made are even greater, with no need to worry about purchasing again in the year and the total savings made available immediately. So, the extra cash can be used to buy something special.

Convenience in Purchasing

With all the food, treatment and accessories that a pet needs each year, taking care of them can require a lot of time and effort. Modern living does not tend to allow much time for even grocery shopping, so to keep your pet food supply topped up is also not always easily accomplished. But by turning to an online store, your shopping can be done in all of 5 minutes. Then, your order will arrive within a few days at your door. There is no longer a reason to upset your regular day schedule, and no reason at all to stress about getting the food your dog loves most.

Vast Selection of the Best Brands

Of course, nobody wants to buy just any old brand of food for their pets. Getting quality pet food online is just as important to the online shopper as the high street shopper. Online pet stores can afford to provide the widest possible array of brand names, much more in fact than the high street store that has a limited amount of storage space. So, the best online stores will provide a wide selection of the leading brand names, like Pedigree, Winalot and royal canin dog food, as well as special recipe foods catering to the needs of pets with specific health concerns.

For example, the provision of foods free of allergens to treat animals with diet related health problems, which is served by brands like hills dog food. These are just a few of the advantages that come with purchasing all of your required pet food from online pet stores, not to mention the array of pet meds and accessories too. Saving money may be the most obvious, but the benefits that can be passed on to your pet, in terms of nutrition and health, make it worthwhile anyway.