Pets are just like important assets a person owns, they can and need to be insured. However, making a decision on buying pet insurance should be carefully though off given the wide range of options available in the market. Taking care of a pet will require lots of time and money, as you have to consider various related items such as food, vaccinations and property damage.
Surveys show that one out of three per owners have made unscheduled visits to veterinarians over the last two years. Leaving your pet’s health to chance is not a safe choice. Veterinary bills sometimes cause some pet owners to be dumbfounded, as they are very expensive.
At first, going for pet insurance is an expensive choice but in due time the owner will realize it will save him from costs that pile up especially from veterinary bills. Advances in science have resulted to the development of many treatments that help prolong the life a pet but has also led to escalating vet bills.
A pet owner should first consider several requirements before choosing pet insurance. Many insurance companies offer different policies based on type and age of the pet. Consider this, insuring a mongrel is far cheaper than insuring a pedigree, and insuring a dog will be more expensive than a cat.
Basic pet insurance policies normally cover veterinary bills and even minor surgeries. A comprehensive policy though can go as far as covering the service charge of a pet psychologist or costs of cancelling a planned vacation if your pet needs you at the 11th hour.
Almost all forms of pet insurance include liability coverage, which will insure the owner if the animal causes bodily harm to someone or destroys the property of a neighbour.
In addition to studying what is included in a pet insurance policy, owners should also study what is not included. Normally a policy will require the owner to wait around two weeks after his pet has recovered from an illness before being reimbursed. Sometimes, a policy will require the owner to make a small excess payment before making a claim.
The pet’s age is also another major consideration in pet insurance. Insurers normally avoid covering animals that are over 8 years old. Older pets typically need constant medical care. It is advisable to insure pets when they are young to avoid such hassle and boost chances that your pet will be covered for life regardless of what illness or treatment is needed.
Insuring a young pet will also lessen chances that it will suffer from an illness in the future, as its medical condition will be regularly monitored. Remember, most insurers do not cover pets that have an existing illness.
Luckily, some insurers provide help when the pet becomes lost or is stolen. Owners can claim costs in advertising for a lost pet and a portion of the reward that will given to the finder. Owners that fail to find their lost pets might also be allowed to claim a portion of how much they originally paid for the animal.
Many insurers also provide discounts for a customer that insures multiple pets. Given the many benefits of pet insurance, pet lovers should not think twice in getting one for their beloved household companion.
Posted in Pet Insurance
Check out some great recipes:
Apple Cinnamon Drops1 large apple 1/4 cup honey 1/2 cup of water 1/2 teaspoon cinnamon 1 cup oatmeal 1 1/2 cups whole wheat flour 1/8 cup whole wheat flour Directions: Preheat oven to 350 ° F (180 ° C). Core, slice and mince the apple (use a food processor... [Read more]
Cheese N Garlic BitesCheese N Garlic Bites 1 cup wheat flour 1 cup cheddar cheese — grated 1 tablespoon garlic powder 1 tablespoon butter — softened 1/2 cup milk Mix flour and cheese together. Add garlic powder and softened butter. Slowly add milk till you form... [Read more]
Basenji StewBasenji Stew 4 small parsnip — **see Note 2 whole yellow squash — cubed 2 whole Sweet potatoes — peeled and cubed 2 whole Zucchini — cubed 5 whole tomatoes — canned 1 can garbanzo beans, canned — *see Note 15 oz 1/2... [Read more]
Bow Wow BiscuitsBow Wow Biscuits 2 1/2 cups whole wheat flour 1/2 cup wheat germ 1/2 cup powdered milk 1/2 teaspoon salt 1/2 teaspoon garlic powder 8 tablespoons bacon grease — or margarine 1 egg — beaten 1 teaspoon brown sugar 2 tablespoons beef broth —... [Read more]
Dog CookiesDog Cookies 1 c Beef, chicken, or vegetable stock 1 c Bread or all-purpose flour 1 c Whole wheat or rye (or other-dark) flour 1 c Bulgar wheat 1/4 c Non-fat dry milk powder 1/2 ts Salt 1 1/2 ts Yeast Use dough cycle. Roll dough to 1/4″ thickness.... [Read more]
Barking Barley BrowniesBarking Barley Brownies 1 1/4 pounds beef liver — or chicken liver 2 cups wheat germ 2 tablespoons whole wheat flour 1 cup cooked barley 2 whole eggs 3 tablespoons peanut butter 1 clove garlic 1 tablespoon olive oil 1 teaspoon salt — optional Pre... [Read more]
An Apple a Day Dog TreatAn Apple a Day Dog Treat 2 cups whole wheat flour 1/2 cup unbleached flour 1/2 cup cornmeal1 apple — chopped or grated1 egg — beaten 1/3 cup vegetable oil 1 tablespoon brown sugar, packed 3/8 cup water Preheat oven to 350 degrees. Spray cookie... [Read more]
Chow Chow StewChow Chow Stew 1 tablespoon olive oil 2 pounds beef — *see Note 2 cups cabbage — chopped 3 cloves garlic — minced, up to 4 18 ounces canned sweet potatoes — drained and chopped 14 1/2 ounces canned tomato wedges — undrained 1... [Read more]
BARF Dinner (med size dog)BARF Dinner (med size dog) 3/4 pound Raw Meat — *see Note 1 egg — raw 1/2 clove garlic — chopped 2 tablespoons yogurt 1 teaspoon honey 1 tablespoon apple cider vinegar 1/2 teaspoon flax seed oil — *see Note 1 teaspoon kelp seaweed... [Read more]
Dog Biscuits For Your Favorite DogDog Biscuits For Your Favorite Dog 2 cups whole wheat flour 1 cup cornmeal 2/3 cup Brewer’s yeast 2 teaspoons garlic powder 1/2 teaspoon salt 2 egg yolks 3 beef bouillon — or chicken 1/2 cup boiling water Preheat oven to 375 degrees. Mix well.... [Read more]
