Pets Information Channel:
More free online ebooks tips articles:
Advertising | Affiliate revenue sharing | Auctions | Best Tips and Home Remedies | Blogging | Crafts & Hobbies | Currency Trading | mesothelioma lung cancer and asbestos | Mortgage and refinance | Pets | Web Site design
We would like to thank the local libraries, schools, and universities for recommending students to visit us when doing research on any of our information topics.
Please check back frequently as new topics are added and current topics are updated daily.
Even if you haven't had a run-in involving your pet of late, pet insurance has probably crossed your mind. And if you have, the bill for any non-routine care may have cost you anywhere from a cool couple hundred to nearly a grand.
You might have wondered why people have health insurance and most pets don't, when the medical costs seem practically the same! And yet, navigating through the underbrush of fine print involved in pet insurance may have put you off. Is it worth the money? What do insurers really cover? And why do some plans cost the moon while others seem much more affordable? We'll try to clear a path through the paper jungle.
Tip #1: Get Them in Young
Ideally, you'll want to identify right pet insurance plan for you, and get your pet in young while she's still quite healthy. The reason is, should your pet develop a long-term health issue such as a thyroid problem, she won't be eligible for many programs, having a "pre-existing condition." If you stick with one quality program, though, you'll probably be fine.
Tip #2: You Get What You Pay For
This may stick in the craw a bit, when you start looking at insurance premiums. Some of them cost an awful lot! Be sure to look ahead too, at estimated increases down the road. The older your pet grows, the more the premiums will cost. They will get quite stiff for an older pet, even a healthy one.
So why should you pay out a mint for plan A, when plan B offers coverage for half the price? The answer is: lack of nasty surprises.
Let's face it, no one but an insurance adjuster can tell what the fine print means when it comes to covering your pet. But we do know this: on the cheaper plans, unhappy things happen. Let's give an example - let's say you have two pugs, both covered by an inexpensive plan. One sadly breaks his leg and needs several surgeries, costing two thousand altogether.
You may think your inexpensive plan - which happily, covers 2K of expenses - will handle it all. But when you submit your claim, you discover that 2K is the maximum coverage for both dogs, and your pug is only eligible for half. Even worse, but very common, is a lower limit per incident. In this case, Low Cost Pet Plan will respond that it only covers $500 for this "incident," but if your poor pug breaks his leg three more times this year, they'll be happy to help.
Tip #3: You Get What You Pay For
Yes, we know we said that already - but we didn't say it enough.
Here's a horror story that happens often on a low-cost plan: you have an insurer. You pay your premiums. But one day, your aging pet develops diabetes. That year, when it comes time to renew the plan and update the premiums, your insurer sticks in an exclusion. As of that moment, they no longer cover diabetes in your pet. Yes, they can do that - and you're out in the cold.
No less common -- and no more pleasant -- is the limited payout per condition problem. Your low-cost insurer may cover the first three years of your diabetic pet's vet bills, but after that, you've run through her lifetime allowance for diabetes. Now in her golden years, all her medical costs come straight from your pocket.
What you want is a reputable company that agrees to insure your pet for life, period. No tricks, no last-minute exclusions, no lifetime condition limits. But to have these things, you'll need to pay for them.
Tip #4: Follow the Wagging Tails
Pet insurance costs too much to be throwing darts in the dark. You need to know which plans will come through for you down the road after you've paid their premiums for years. So do your research - look for good word of mouth. You can learn a lot with some smart surfing and Googling.
Although we haven't used either, we found many satisfied buyers with PetPlan and Marks & Spencer. There are other good plans as well, and plans that are best avoided. The tip we like most is to ask your vet what she uses. Yes! - many vets insure their beloved animals, and are scrupulous in who they choose.
Tip #5: Do You Even Need Insurance?
There's an argument - and it's a good one - that pet insurance really serves no purpose. You can see the force of this line of thought when you check out the premiums of quality, reliable plans - they're high. So why should you pay out all that cash for what *might* happen, instead of stashing it each month in your own high-interest savings account and simply withdrawing what you need?
The answer is simple: discipline. Some people have the discipline to pay their premiums, but not to establish a separate account they won't touch except for emergency pet expenses. Other than discipline, there's probably no real reason why you shouldn't self-insure.
With one exception - liability. Some plans offer extra coverage if your dog injures someone and you get sued. These aren't the kinds of things you can effectively save up for on your own, so if you think it might be a problem, pet insurance might truly be the route for you.
Tip #6: One More For the Road
Is your pet a prize purebred, with a pedigree reaching back before William of Orange? Expect more vet costs over its lifetime - it's just a statistical fact. Perhaps this subtle factor will help you decide whether you should self-insure or go for a plan.
Peace of Mind: Priceless
We're animal lovers. And in the back of our minds lurks the fear that Fido will someday come down with something we can't afford to treat - simultaneous renal failure and diabetes, for example (to cite a sad chapter from my own pet annals). The peace of mind in knowing you can afford to care for your furry companion, no matter what the future brings, is profound. That's why insurance was developed, and that's why pet insurance might be the right choice for you.
About the Author
Blake Kritzberg is proprietor of Poodle-oo: Fashion for Toy Dogs. Stop by for toy dog couture and home decor, free toy dog postcards and the Toy Dog Blog.
Learn more about pet insurance.
RELATED PET ARTICLES FROM THE PET INFORMATION CHANNEL::
Hamsters Make Cute and Adorable Pets
Hamsters are soft, furry and small. They make wonderful pets because they can be entertaining and educational while living in their assigned home.
Seven Ways to Boxer-Proof Your House
You are ready to bring your Boxer home? First, you must prepare your house. Whether you are bringing home a puppy or adult Boxer, you may want to spend some time surveying your house from a Boxer eye view (about 2 feet off the ground).
Dogs And Their Allergies
A former coworker has a dog that had begun itching and scratching incessantly. So much so, he had worn away a lot of his fur.
Pet Doors: Giving Your Pet Freedom to Come and Go as They Please Helps Solve Behavior Problems
Pet DoorsAre you considering installing a pet door for your pet? If so, you are in luck. Pet doors are becoming more common and more available.
Puppy Vaccines Assure Wagging Tails and Wet Noses
When you get a new puppy it is imperative that he receive all his proper puppy vaccines. These protect him from getting diseases if he becomes exposed to them.
Dog Breath-It Doesnt HAVE to Be SO Bad!
While your friends and family are amazed that you're raising such an amazing dog, you notice that they flinch when the dog gets too close. They may shrug away or not bend down to pet him as they once did.
First Aid for Felines - How to Keep Your Car Safe from Harm
Cats are known for their curious and adventurous nature. Curiosity doesn't always kill the cat, but can often cause injury.
Pets: The Wild Kind
Just because we moved out to the country a couple years back does NOT mean we want to run a farm. Tending to animals is just not how we want to spend our time.
How to Choose the Right Bird Cage
If the "tweet, tweet" of little beaks is in your future, bird cages are undoubtedly on your mind. Bird cages are available in every price range.
Safety Tips for Moving With Pets
Which kind is your pet? The pooch who is the first one in the car when the door opens, or the kitty who runs to hide at the first hint of travel? Both kinds face dangers on the road, but there are steps you can take to protect them. Even the happiest traveler can get into trouble, and it can happen even on a short jaunt to the grocery store.
Introduction To House Training
The information in this article is based on the successful crate training method. Crate training is not cruel.
Understanding Psychology Of Dog Training: Pack Behavior & Establishing Control
Dogs are descendent of wolves. To study the psychology of dog training and understand the pack hierarchal system of dogs, we must go back and examine their ancestor - wolves.
Apistogramma , Dwarf Cichlids in the Aquarium
The real apistogramma's come from southern America, they all have the same characteristics, like a complex breeding behavior, as their large relatives, only their size is different. Besides the apistogramma group there are also some relatively popular dwarf cichlids from Africa, like the Pelvicachromis group.
Dog Boutiques - Perfect Pampering for Your Pooch!
Believe it or not boutiques for dogs are everywhere. Nowadays, pampering your dog is just as important as pampering yourself.
The Geriatric (Older) Dog
Dogs mature and age at much different rates, usually according to size and breed. It is commonly held that dogs live 7 years for every year that we man does.
Puppy Crate Training -- Fast Track to a Contented Dog
Puppy crate training is one of the most effective ways to housebreak your new puppy.Puppy crate training takes a little patience, but it's a good way to set your puppy on the right path.
How to Raise a Healthy Kitten
Selecting a Kitten It is best to choose your kitten from the whole litter, choose the frisky playful, friendly kitten that is confident and happy to approach you rather than the one that hangs back and is shy. The best time to take your kitten home is between 7 and 8 weeks old.
Is Dog Dental Care Necessary?
Caring for your dogs teeth is a vital part of his overall health and maintenance. Sure, you may feel funny brushing Fido's pearly whites every night before bed, but good dental care for dogs is much more than just having white teeth and good breath.
Float a Horses Teeth -- What Does that Mean and Why is it Necessary?
So what does it mean to float a horse's teeth? I'm sure you've heard this a time or two (if you haven't, sooner or later you will from another horse owner or from your vet), and if you're like me, you imagined for the longest time what this could possibly mean and wondered what it involved.To float a horse's teeth certainly sounds funny, too.
Electric Dog Fences: Keep You Pet in the Yard and Out of Places You Don't Want Them to Be
Electric Dog FencesIs an electric dog fence something for you? Are you concerned about your dog roaming the neighborhood? Or, are you having trouble containing your animal and your neighbors are complaining? Finding an electric dog fence is the easy part. Deciding which electric fence is for you is another story.
Find used office equipment in Ohio at www.OfficeJax.Has.It
Find the best fleamarkets at www.FleaMarketWorld.Has.It
Find electric powered vehicles at www.NoGas.Drives.It
Anonymous and Confidential U.S. Mail Drops - No ID Required reship worldwide
Katrina's pet sitting and house sitting services Akron Ohio
Find homes for rent
Northwest Veterinary Practice
|[Back to Top]
auction news and listings for Akron, Ohio
Akron crafts and hobby news center
The Akron blogging news center
Akron Ohio web site design news
Akron Mortgaging and refinancing
Advertising and promotions Akron, Ohio
|akron ohio pet supply pet store littlest pet shop pet store supply pet shop adoption pet insurance pet grooming pet pet virtual pet services pet shop groomers pet care pet medication pet adopt pet food pet product cemetery pet sale health pet animal pet bed pet carrier pet name pet door pet nutrition pet wonder general pet memorial pet scan boarding grooming pet teacher pet plus supply gate pet friendly hotel pet exotic pet medicine pet discount pet sound pet tag dog pet supply wholesale pet hotel pet rescue bird pet sitter pet boarding pet online pet store boarding pet sitting pet care salt water aquariums fresh water aquariums pet health pet meds pet classifieds pet id pet tag dog free pet puppy pet loss pet related services animal pet rabbit pet turtle pet sex little pet shop exotic pet store dubai pet travel pet place own pet services sitting flea dip pet pharmacy food natural pet products pet training pet shelter pet finder animals pet rat clothes pet pet stroller pet shampoos health insurance pet fish pet lost pet grooming mobile pet banfield hospital pet hospitals free pet stuff pet finder pet supermarket pets allowed pet kennel pet contest pet photo free pet online pet edge pet grooming pet cat pet holistic veterinarian pet care for your pet sitting eye nose ears pet finder dog clothing Westminster dog show online pet store dog eating feces? bad dog behavior problems? puppies for sale Westminster kennel dog itchy itchyitchydog baghdad dog insider dog training tips remedies report reviews recommended procedures|