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Pet Health InsuranceWhat is pet health insurance and how does it work? Most people are familiar with health insurance. You pay a monthly insurance premium, and in return your health insurance company pools premiums and risks and covers a large portion of your medical expenses when they exceed an annual deductible level. Good idea. What about health insurance for your pet? Most people are not even aware it exists. But it does; and it works differently from people insurance. With a pet insurance policy, you normally get to choose any licensed veterinarian you like to take your pet to. You normally pay the entire bill in full at the time of service (no co-pays), fill out your claim form, and send it in to the insurance company for reimbursement. Cost of a pet insurance policy typically runs about $300-$400 per year - if you've ever had a large veterinarian bill for your pet (or worse, a series of them!), you know pet medical bills can quickly run into the thousands of dollars.
Where to buy Pet Insurance Online or get an online quote?VPI Pet Insurance - they offer a number of different priced options; their VPI Superior Plan ($50 ded. per incident, max. annual benefit of $14K, pays 90% of cost) for a 3 year old Huskie was about $30 bucks a month. They offer free online quick quotes for pet insurance premium estimates. Things covered: Accidents and Illnesses, MRI, CAT Scans and X-Rays, Surgeries, Cancer Treatments, Prescription Medication, Hospitialization, Vaccinations, Heartworm Protection, Annual Exam, Prescription Flea Control, Spay & Neuter.Pets Health Plan.com - their pet insurance policies pay 80% of all allowable vet expenses and medications, with no per incident deductible ($100 per year flat deductible). They have the same policy for filiing claims and reimbursements.
Petsurance.com - full insurance coverage for cats and dogs, including a senior care plan for older pets. They also offer free online pet insurance quotes. From their website: "We provide the best value possible for your insurance dollar. Routine care (e.g. vaccinations, parasite prevention) is a budgetable expense. When this budgeting is done through a pet insurance policy, the cost to the owner is greater than if he/she would have paid for this expense directly. "
PetPlan.com - the worlds largest provider of pet insurance, PetPlan's PetMedic plans provide coverage for the most common accidents (removing swallowed objects, hit by car, allergic reactions to bug bites, fights with other animals, fall, etc.)
Pet insurance is not for eveyone, but if you are concerned about the rising costs of pet care and veterinarian bills and pet medications, do a little research into a policy, see what it costs, and compare it to what you spent out of pocket last year on your pet - see if it doesn't make sense to switch to a pet insurance policy.
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