You don't
know ALL the genetic lines of your animals and what health issues they
may carry
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5 Pet Insurance .com is dedicated to helping animal lovers every where find the most up to date information on getting Pet Insurance for your Dog, Cat or other Pet's. All pet owners can be rest assured that we provide you with honest and true information so that you may get the best & most affordable pet insurance. The pet insurance we promote provides the most complete coverage for your pet. When it comes to getting the best Pet Insurance for your Dog, Cat or other pet, you can trust 5 Pet Insurance ! We work closely with major Pet Insurance companies & review all their plans to make sure that your pet gets the most coverage while you pay the lowest rates. Owning Pet Insurance proves that you love your pet's and care for their well being! The articles and information below should help you choose the right plan for you and your pet's. If you have any questions, please feel free to contact us. |
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Pet Insurance is Important & Affordable
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Continuing strides in scientific research have paved the way for pet owners to now have the ability to save their much-loved family pets from injury and disease that would have otherwise caused the pet to be euthanized not so long ago.
 Unfortunately, the gloomy news is that when the unimaginable does happen and a pet’s life hangs in the balance, most pet owners find they are unable to afford the often staggering price of veterinary treatment, which can range from between $3000-$10000 and in some cases even more. In heart breaking situations like these the owners are forced to euthanize their pets anyway. It is in such situations that pet owners often wish they had the foresight to purchase a pet health insurance policy.Pet owners who do purchase pet health insurance plans from pet health insurance companies do so for a variety of reasons. They may like the idea that they will be able to save on their pet’s annual trip to the vet or they could just be worried that if a serious health crisis did arise they wouldn’t be able to afford to pay for the treatment. Once a decision has been made to obtain pet insurance, pet owners can choose from a variety of plans such as pet mortality/fatality insurance, major medical insurance or basic medical insurance (policy names may vary from company to company). Many pet health care insurance companies offer a variety of options on top of standard plans to complement the pet health care insurance policy. Mortality/fatality pet insurance is similar to human life insurance. The pet owner pays a premium every month the pet is alive and in the event of the animals’ death, the owner is reimbursed a predetermined amount of money. While the mortality/fatality insurance does not take the hurt out of losing a beloved family pet, it may help toward any additional medical bills that may have accumulated near the end of your pet’s life. Pet owners should be aware though that often when they possess a mortality/fatality pet insurance plan, most insurance companies require that the owner contact them before a pet is euthanized. They will often require contacting the veterinarian in charge of your pet’s case just to verify the facts. Basic pet health insurance typically covers veterinarian expenses for things such as accidents, non-elective surgeries, hospitalization and illnesses. Pet owners should purchase a pet health care insurance plan as early in their pet’s life as possible. Many insurance companies and veterinarians point to the fact that most freak accidents happen early in a pet’s life. Owners should be aware that most pet health insurance plans do not convert genetic disorders that develop in certain breeds and some of the more expensive surgeries. Most insurance plans also do not touch pre-existing conditions. Owners of horses may want to consider purchasing a loss of use policy for their horses. This kind of policy pays out if the horse is injured badly enough that it is no longer able to be ridden or bred, for example, but is not so badly injured to justify euthanizing the animal. |
Reasons for Pet Insurance
A steady decrease in the numbers of graduates finishing veterinary colleges, expensive state-of-the-art equipment, liability insurance, expensive prescription drugs and the cost of maintaining a veterinary clinic has skyrocketed pet owners veterinary bills to unimaginable prices. When a beloved family pet suddenly falls ill or is injured in a freak accident, many pet owners find themselves in the impossible position of
 having to put their pet to sleep - also known as economic euthanasia. Many family pets could have been spared from economic euthanasia had their owners had the foresight to
purchase pet health insurance coverage.Nowadays, the average cost of veterinary expenditure for dog owners is over $211 per year. The average dog owner will visit the local veterinary office about 2.8 times a year. Typically, the main reasons for dog owners to take the family dog to the local veterinarian is for basic routine health care such as physicals, vaccines, dental work, neutering or spaying, nail trimming and heartworm testing. The typical cat owner will visit the veterinary clinic 2.3 times per year to take care of declawing, physicals, vaccines, dental work, neutering or spaying and ear mites. The average yearly cost for these 2.3 visits to the local veterinarian is approximately $179. The results of these statistics are based on a 2005 survey done by the American Pet Product Manufacturers Association. Pet health insurance coverage helps pay these veterinary costs if your family pet becomes ill or is injured in an accident. Depending upon which policy you chose to purchase, you may be reimbursed if your family pet is stolen, is lost or dies. Pet owners purchase pet insurance coverage for a variety reasons, the main one probably being to pay for unanticipated and extremely expensive veterinary bills. In some cases, the purchase of pet health insurance coverage can be the difference between a recovery and economic euthanasia for many family pets. |
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What You Really Need to Know About Pet Health Care Insurance
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Before you decide to
purchase a pet health care insurance plan, check the list of the company’s approved veterinarians to see if your veterinarian will accept the companies check. Ask your vets advice on what type of pet health care insurance plan would best suit your family pet. Also ask your local veterinarian to read over the plan and listen to any advice they may offer. Your local veterinarian may also be able to help you establish if the insurance company you are considering purchasing your pet health care insurance plan from is reputable. Before you pay for a pet insurance plan, you will need to have a careful read of how the policy  deals with prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. If you are worried about the cost of any prescription your pet might need during the course of its life, you should probably think about buying a prescription coverage rider to complement your pet health care insurance. Although this rider may seem to be expensive and an unnecessary outlay, you will probably wish, in hindsight, that you had purchased it if your pet is ever given a prescription for an illness or condition. Just like our own prescriptions, the pet variety can also be very expensive.One thing you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The deductible is the amount of money you pay out-of-pocket for veterinarian services rendered that your pet health care insurance plan does not cover. Different pet health care plans require different deductibles. The higher a deductible you choose, the lower your monthly payments to the insurance company but the higher the deductible, the more out-of-pocket you are each time you visit the veterinarian. Most pet insurance companies have a “cap” or limit placed on each pet health care insurance plan. This cap varies from one procedure to the next but a broken leg, for example, will probably have a different cap than say, cancer treatments. Before you purchase your pet health care insurance plan talk to the company representative about waiting periods. Find out exactly how long it will take for the policy to take effect and how long the waiting period for claims to be reimbursed is. Most companies have a ten day period between the time they receive the vet bill to the time the check is mailed out to you. Also find out how the refund is processed. Does the pet health care insurance company pay the veterinarian directly or do you have to pay the vet and the company mails the check to you when they receive the bill? If you do have a conversation with a pet insurance company representative, whether it be on the phone or in person, ask them about any and all exclusions that might be included with your pet health care insurance plan. Specifically, ask about any and all pre-existing conditions and hereditary defects that may come up later in your pet’s life. Many pet owners, especially those that have dogs, discover that hereditary defects are common later in life with some particular breeds of dog and these may not be covered by their pet health care insurance plan. Some companies will allow you to cover these potential problems with an additional rider. In some cases your veterinarian may be able to advice you about any exclusions. |
Pet Health Insurance Choices
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Before you purchase a pet health insurance policy for your
cat or
dog, you should know what to look for so that you can determine which plan is best. You should also be aware of changes that have taken place in the insurance market over the years, so that you'll know which prices are acceptable, and what type
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of benefits to expect from the insurance plan. 
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