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Someone said that a pet is the only being in this world that you will love more than yourself and how true that is! If you own a pet than perhaps you know better how mush you love them. Pet owners leave no stone unturned to ensure that the pet that they love so much gets all the attention and love that the need. Taking care of a pet whether it is a cat, a dog or any other pet takes a lot of time, effort and hard work. Now it may happen that footing the vet's bill can prove to be very costly for you and to take care of this by taking insurance for your pet. Unlike humans, pets cannot say when they are suffering form any kind of problem and this is where a real pet lover will understand what his or her pet is going through. As owners, you need to be very careful about this and if you find any kind of abnormal behavior from your pet, you must see a vet immediately.

Like humans, they also suffer form aliments and it is very important fro the pet owner to understand and find out what is bothering them health wise. Pets can suffer form different types of health and medical conditions and you can opt for a pet insurance that covers several aspects. Pet owners know that the bill of the vet can add up dramatically and after the treatments, you will find that you have to pay a pretty large amount to the vet for the treatment and that is why opting for a pet insurance makes much more sense. Therefore, the first thing that pet owners need to do is find out an insurance broker that will provide them with the kind of insurance cover they are looking for their pet.

The whole idea behind pet insurance is to ensure that as a pet owner you are prepared to meet any kind of emergencies that you may face while looking after your pet. Today you will find that more and more pet owners are opting to take a pet insurance to make sure that their pet gets all the treatment it deserves in case it is diagnosed with any kind of ailment. The advancements in the field of medical sciences have insured that treatments for almost all type of ailments are available today. All you need to do is make sure that you have the money to take care of your pet and even this can be arranged with the help of pet insurance.

You can opt for cat insurance, dog insurance or pet health insurance depending on the kind of pet that you have. The pet insurance company will offer you with a wide range of pet insurance policies. All these policies will have different options and you must make sure that you read all this thoroughly and find out which policy you would like to take for your pet. There are some pet insurance policies that cover the advertising cost and reward money that you may need to put up if your pet is lost somewhere. Now pet owners must be familiar with the number of times the have lost their pets and the cost accompanying this.

Article Source: http://www.insurancearticle.com

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TOP 5 TIPS FOR CHOOSING PET INSURANCE

1.Compare the price
2.Consider the policy excess
3.Check if you are getting lifelong pet cover?
4.Think about other benefits
5.Don't forget the small print

1.COMPARE THE PRICE
Obviously, the cost of a pet insurance policy is a major consideration. But different insurers have different ways of setting the premium, so always get a quote for your specific circumstances to compare like with like between insurers.

2.CONSIDER THE POLICY EXCESS
Some insurers use a variety of methods to save themselves money when it comes to paying out insurance claims. One of these is by including a high excess on their policies.

The policy excess is the amount that you have to pay each time you have to claim for a certain condition, so choosing a cheaper product with a higher excess could actually end up costing you money.

3.CHECK IF YOU ARE GETTING LIFELONG PET COVER
Make sure you check carefully what you are being offered by pet insurers and understand clearly what they mean by "lifelong cover" or "cover for life". Understanding an insurer's true definition of lifelong cover can be difficult, but here are a few guidelines on the types of cover most commonly available...

Time limited cover
Some cheaper priced plans will only cover a condition for the first year you claim.

For example, if your pet developed arthritis, you might be able to claim up to £ 2,000 for the first year of treatment, but no more. You would then have to cover the cost of treatment every year yourself, for the rest of your pet's life.

Financially limited cover
Some insurers call their financially limited cover 'lifelong cover'. In this case, an insurer will pay out each year, but only up to a fixed total amount for each condition. After that, they will stop paying out.

For example, if your pet was diagnosed with diabetes and you had a policy that was financially capped at £ 3,000, you may need to claim £ 2,000 in the first year. By the second year, the amount you can claim for treatment of the diabetes is now just £ 1,000. After this, you would have to fund the treatment from your own pocket for the rest of your pet's life.

Lifelong or lifetime cover
The best pet insurance is cover that pays for treatment up to a certain amount, every year, for as long as your pet needs treatment.

For example, if your pet were to develop epilepsy and your policy provides up to £ 3,000 every year, you could claim for treatment up to this limit each year for the rest of your pet's life.

Some of the UK pet insurance companies that currently offer lifelong or lifetime cover are Marks & Spencer, More Than and PetPals. Even so, remember to compare these policies with your personal needs and circumstances.

4.THINK ABOUT OTHER BENEFITS
Cover for vet fee's is the key element of pet insurance, but most insurers offer a range of additional policy benefits. These can include cover for:

-The cost of looking after your pet if you need to stay in hospital;
-The original purchase price of your pet if it is lost or die's;
-The cost of your pet causing injury or damage for which you are legally liable.
-The cost of advertising and a reward to recover your pet should it go missing;

There are many more benefits available in addition to these, so read through the full list of policy benefits to ensure the cover is right for your needs.

5.DON'T FORGET THE SMALL PRINT
We all find it annoying having to read the tiny details about a policy. But all insurance plans have terms and conditions to make clear what is and what isn't covered.

Article Source: http://www.insurancearticle.com

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The Chinese year of the dog started last January. And according to Chinese tradition, anyone born in the following year, will be honest and loyal. They also aren't much concerned about wealth. This could help to explain why there are 5.2 million homes owning dogs without pet insurance cover. As many will have discovered to their cost, they're leaving themselves exposed to enormous veterinary bills.

The average cost of treating a dog following a road accident is £ 379 and the cost of just a scan could exceed £ 1,000. And as Veterinary science becomes more advanced with breakthroughs in medicine and surgery, the cost of owning an dog can potentially increase.

There is no National Health Service pets and if your dog is ill, detailed diagnostic tests, surgery, medication and care can mean an unexpected shock to your pocket. Studies have shown that on average, an insured pet owner makes a claim every three years.

But do take care. Pet insurance policies vary widely in terms of their cover, the excess you have to pay, the maximum costs that can be reclaimed each year and various exclusions.

So when you're on the net shopping for pet insurance, it's important to swot up on the small print. Don't automatically fall for the cheapest. Cheap premiums customarily reflect limited cover. For example, not all insurers will cover your pet for life. This means that if your dog's problem requires ongoing treatment, then cover ceases at the twelve-month stage.

Take Sheila Follows' spaniel, Bonny. Seven years ago Sheila wisely took out insurance cover for Bonny as soon as Bonny joined the family as a pup. All was well until the first spring. Then, Bonny developed a skin allergy and later that year a hip problem. Treatment has been ongoing ever since requiring regular visits to the local vet.

Sheila says, "Bonny has to have a special diet and regular injections to control her allergies. The bill from my vet is usually between £ 375 and £ 450 per month so my decision seven years ago to take out insurance, proved to be one of my best investments. My insurance premium is just £ 15 per month and I'm not sure what we'd do if we weren't insured!"

Sheila's policy is a Budget policy issued by Pet Plan and covers lifetime conditions for up to £ 4,000 each year. Pet Plan also have two other pet schemes - their Standard Policy will pay out up to £ 6,000 per year and their Supreme Plan provides unlimited cover. So you can see that even within the same insurance provider, you can be faced with several policies to choose from.

So there's lots of choice. Some policies even provide protection for kennel fees, or boarding fees if you become ill or even pay your cancellation fee for your holiday if your pet becomes ill before you travel.

Our advice is to look at several pet insurance web sites. Better still, print off their schedule of benefits and terms and conditions. Then spend forty minutes comparing their premiums and look closely at what you'll get for your money. We know it'll be a bore but a little extra effort now will be rewarded with a great deal and your peace of mind.

And if your dog could talk, he'd say thanks too. But perhaps a big lick will do!

Postscript

If you receive either Council Tax benefit or Housing Benefit, the People's Dispensary for Sick Animals (PDSA) will provide veterinary treatment free of charge.

At the moment there are some 5.8 million households that fulfil these eligibility conditions with just over 7 out of ten of homes served by either a PDSA PetAid practice or a PetAid Hospital.

There are 328 PetAid practices and 4 PetAid branches plus 43 PetAid Hospitals.

Article Source: http://www.insurancearticle.com

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A Datamonitor Survey in November 2005 found that Pet Insurance was the most confusing type of insurance facing the consumer. Of some 60 UK pet insurance providers there are countless types of insurance to cover your pet so which ones do you chose?

You could have a hard job to ensure that you are getting what you think and that you don't fall foul of the "small print" when you come to make a claim. In this article I will help you steer through the Pet Insurance maze so you will at least know what to look for - and what pitfalls to avoid.

But do you need pet insurance at all? After all, 85% of the dog owners in the UK don't have dog insurance; 93% of cat owners don't have cat insurance. I suggest that there are very important reasons why any responsible pet owner should ensure they have proper pet insurance cover.

The cost of Pet Care

All pet owners appreciate the high costs of veterinary treatment and that vets fee costs are going up by more than 12% a year. Research shows that a typical vet fee for common complaints such as a kidney infection can be $400 while more serious injuries, such as fractures or hip replacements, can be as high as $1,500. As veterinary medicine advances medical procedures costing thousands of pounds could be offered to save your pet that would be impossible to pay for without insurance.

And what happens if your pet is diagnosed with an ongoing illness, such as arthritis or diabetes? You may have many years to provide medical care for your pet once again totalling thousands of pounds in medicines and vet fees.

Don't fall foul of the Compensation Culture!

OK, you say, it's your job to sell pet insurance. Wouldn't it be cheaper for me to put some money away each month to cover the cost of any vets fees that I may have to pay?

That may seem an obvious choice except for one rather big problem.

What if your dog bites someone - or causes a traffic accident? Simple, you may be personally liable to pay the injured party damages. Such a claim may cost you your house as damages for personal injury can run into hundreds of thousands of pounds - even millions! With pet insurance you have Third Party liability cover which would protect you and your home in such a case. Seems worth it now doesn't it?

What should you pay?

The cost of covering you and your pet can be minimal - as little as around £ 5 per month for cat insurance and $8 per month for dog insurance. But much will depend on the extent of the pet insurance cover you want. I'll give you some pointers so you can ask the right questions and make sure you buy the right cover at the right price!

Things to look out for - buyer beware!

(1) Do you want full lifetime cover for your pet? If your pet was diagnosed with an ongoing illness like diabetes or arthritis that needed treatment for several years only lifetime cover would pay for it. Beware! Insurers offer all sots of cover a here is what you will find:-

(a) Many policies (the cheap UK pet insurance ones) will only cover a condition for up to a year but will then exclude it from the cover for subsequent years. Obviously it is very difficult to get cover once the condition is 'existing'. An example would be if your dog is diagnosed as having a heart condition at the age of two. This means that it will need medication for the rest of his life which might be another ten years. With a '12 month' policy you would only be covered for up to the first year, after that the condition would be excluded.
(b) Some policies offer a fixed amount (e.g. $3,000) per year however this is for all conditions. Using my example, if the dog also contracts gastric problems in addition to the heart problems then the cost may well exceed $3,000 even in a year.

(c) Other policies offer a fixed amount (e.g. $5,000) per condition however this will not cover every year. Again using my example, this would not cover heart condition medication for the rest of the dog's life as the treatments over 10 years.
(d) Genuine lifetime cover will offer a fixed amount (e.g. $4,000) per condition, per year. So, in my example, the owner would have 10 years worth of £ 4000 a year (i.e. £ 40,000) to cover the heart condition treatment; any other conditions would have the same levels of cover.

(2) What happens when you pet gets older? Will your chosen pet insurer abandon you when your pet reaches 8 or 10 years old or will they continue cover for life?

(3) If you want to insure an older pet for the first time will the pet insurer take you on? Don't worry, there are companies who will.

(4) If you have several pets will you get multi-pet discounts;

(5) If you make a claim will your premiums automatically go up?

(6) What level of public liability cover will your dog insurance give you?

(7) Can you spread you premium over 12 months with interest free direct debits?

(8) Will you be caught by 'cheap' introductory offers - e.g. 10 months cover for the price of 12 - only to find you premiums soar in subsequent years?

Bear these questions in mind and you should find insurance to fit your needs at a price you can easily afford.

Article Source: http://www.insurancearticle.com

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What would life be like if we did not have our loyal pets to keep us company? While we provide our pets with a great deal of love, but let it be known that love alone will not keep them out of harm way. A pet needs security and a safety net and such security is provided by making sure that a pet dog or cat is properly provided for in the instance of a medical emergency.

No matter how many precautions we may take to keep a pet safe and secure, accidents happen that require attention. Sometimes, the simple matter of aging can yield some complications that require medical attention.

Also, very benign procedures such as common dental work may result in some expensive medical costs. Pet insurance helps circumvent the problems that can arise in such a situation. After all, that is the whole purpose of insurance (pet or otherwise): the need to protect ones assets in the case of an unexpected calamity or occurrence.

The costs involved with a trip to the vet can be very steep indeed and many pet owners find themselves in a state of shock when they discover exactly how much a medical procedure can cost. This is why the need for a sensible pet insurance plan is advised. Some may laugh at the mere mention of a pet insurance policy to cover vet bills, but it is a practical consideration to take. (Now, a pet life insurance policy, that is laughable!)

Pet insurance is usually not very difficult to obtain and, in most cases, does not involve the release of the pets medical records. While there will be a need for extensive review of a human beings medical files when he or she applies for an individual insurance plan, when it comes to pets, unless the cat or dog is very old or has a pre-existing medical condition, there will usually be no need to review the files of a cat or dogs medical file.

This lack of necessity for providing stacks of medical files may provide greater ease for those who have adopted their pet from a local shelter and such extensive medical records may not be available.

For most pets, pet insurance can be acquired for under $30 a month. When one considers that a major procedure on a pet can cost upwards of $500, then such a monthly fee is quite a bargain.

While some may scoff at the idea that a trip to the vet can run up such a high dollar figure, the reality is that expensive pet care is more common than is ordinarily thought. This is why the notion of purchasing pet insurance is something that all pet owners should give serious consideration.

Article Source: http://www.insurancearticle.com

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