Best Pet Insurance

Best Pet Insurance Is Out There
Copyright (c) 2011 Greg Prosmushkin

Our pets are our friends, our confidants, and our responsibility. They provide us with entertainment, love, understanding, friendship, and much needed distraction during these stressful times. Their love of us is unconditional, as is our love for them. When we come home from work or school, it is with undeniable pleasure we accept their greetings, and they ours. However, this social compact comes with responsibility. We are responsible for their well being - by feeding, giving them an opportunity for exercise, and by providing them with medical care.

Unfortunately, qualified medical veterinary care is very expensive. A visit to the vet can run into several hundreds of dollars for the most routine visit. For example, if your pet develops a limp and a veterinary visit is required, you will pay between $200 and $300 for that visit. If your dog or cat eats a foreign object, and that object needs to be surgically removed, you will pay over $2,000.00 that procedure. Treatment of hip displacia will run over $2,500.00, The list is endless - as our pets are constantly subject to various traumatic and genetic problems and anomalies.

Up until recently, the owner's only option was grin and bear, and then pay up. However, with the advent of pet insurance the game has changed. Now with a small monthly premium payment, the owner can get his four legged friend the best pet insurance that money can buy. Now armed with pet insurance, the owner protects herself and her pet. The pet is assured quality veterinary care, and the owner is assured of not being financially ruined by pet medical bills.

As per Wikipedia, "many pet insurance companies are beginning to offer the pet owner more of an ability to customize their coverage by allowing them to choose their own level of deductible or co-insurance. This allows the pet owner to control their monthly premium and choose the level of coverage that suits them the best.

The smart consumer will always check the details before signing up for a policy which may not suit the needs of your budget and/or your pet. Some companies will use a "benefit schedule," which predetermines the amount of reimbursement available toward each condition or procedure. Other companies cover a set percentage (typically 80-90%) of the actual veterinary bill, up to what they deem to be a usual and customary amount within a geographic area. Some companies will not cover hereditary conditions. Finally, some companies will not renew your policy at the end of a given term or will consider a condition pre-existing after renewing your yearly contract, which would then preclude coverage for that condition. Despite these caveats, pet insurance can provide crucial financial support, enabling the dedicated pet owner to focus on the health of the pet, rather than financial concerns, when life-saving care is needed."

To get the best pet insurance, one must carefully review each company and its individual insurance plans. Careful attention is required to every detail - including coverage, limitations, fees, and deductibles. The three links below will give you the companies with the best plan for the buck. We encourage you to submit your request for free pet insurance quotes from the three links below, and then to carefully review each quote to determine if the quote - the price and coverage are the right ones for you.


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http://getbestpetinsurance.com
Greg Prosmushkin is a free lance writer, who is also a practicing attorney. He has practiced law since 1994 in the fields of criminal law and general litigation. He has great interest in pets and marketing. He has written numerous publications in the field of law and marketing.

Dangerous Dog Treats: What To Know Before You Treat Your Pup

What pooch does not love getting a treat or two now and then. Dog owners also love giving their dog's treats. If you have a dog, then you have a good idea of what your dog likes to nibble on. There are so many treats available these days and they all come in all different shapes, sizes, colors, and consistencies. For every great dog treat, there are those on the market that are not so good. These treats can harm your pet by being lodged in your dog's throat or intestines. This can cause choking or worse. If you love treating your canine friend, then you will want to be aware of those treats that can be potentially harmful. Even with treats that are not usually dangerous, you need to supervise your dog when they eat.

Greenies: Most dogs really enjoy these treats. They are advertised as a treats that help clean your dog's teeth. However, you need to be aware that "greenies" can cause choking. This is because dogs eat these very quickly causes large chunks to lodge in the throat. Young puppies should not eat this treat and dogs that are prone to 'scarfing" food. If your dog eats these treats, be aware of potential vomiting, bloody stools, and difficulty breathing. If you notice any of these symptoms after your dog has eaten this treat, seek medical attention.

Rawhide Chews: What dog does not love snacking on these chewy treats? Rawhides are good because it cleans your dog's teeth and keeps your dog occupied. However, rawhides are dangerous, as well. Some rawhides that originate outside of the United States may actually be preserved with arsenic-based chemicals that will be ingested by your doggie when he or she chews. For this reason, make certain that any rawhide treat you purchase is processed in the United States where this preservative is forbidden. If you cannot tell where a treat originated do not buy it! In addition, you still need to watch your dog when he her she is munching on rawhides to help prevent choking. Make sure you buy rawhides that are the right size for your dog, too. A small dog needs the smaller sized rawhide treats.

Chocolate: Chocolate is a terrible thing to allow dogs to eat. Of course, sometimes dogs get into candy and cake without your knowledge. Chocolate is toxic to both dogs and cats, so you need to be aware of your dog sneaking chocolate nibbles, especially around the holidays. Chocolate contains an ingredient called theobromine. This acts in the canine about the same way caffeine acts in the human. A little will make the doggie hyperactive, but a huge dose may be fatal. If your dog has gotten into chocolate, you need to look for vomiting, shallow breathing, and irregular heartbeat. A visit to the emergency vet unusually results.

Bones: It seems that it is the right of every dog to be able to crunch on a real bone from time to time. Dogs love bones of all types. However, some bones can be dangerous. Both chicken and turkey bones are especially dangerous because they are brittle. When your dog chews on the, they can easily splinter and cause choking. Some pork and beef bones can also cause the same problem. Veterinarians agree that the one of the safest bones you can give your dog is a shinbone. If you must give your dog a bone, make sure you supervise your pooch and if he or she shows signs of bleeding, then you should call your vet immediately for some advice.

This is not to say that you cannot give your dog an occasional treat. That is one of the fun parts of owning a dog. You do need to watch your dog and make sure that your dog is safe when snacking. Always pay attention to what kind of treat you give your dog in case of a recall.

Get the Best Deal in Dog Insurance

There are many good reasons for spending time for investigating in the selection of an ideal pet insurance policy.
Some of the reasons are that, the pet owner may be attached to the pet very much emotionally, or the welfare of the pet may make a difference to the pet owner. The health of the pet is very important to the pet owner it is part of the household.
Pet insurance serves as a tool that makes sure that the pet does not suffer from any kind of short or long-term illnesses. Financial planning plays a very important role as it may lead to a dangerous situation affecting the pet owner financially in the event of major medical condition when the pet gets injured in an accident or develops a life threatening disease etc. Pet insurance can ease out all sorts of worries. It makes the pet owner free from worrying regarding health care, regular checkups, vaccinations, vision checks, gums and teeth checkups etc. Pet insurance serves as an investment to the pet owner in shouldering the financial costs associated with the pet’s health.

Tips for getting a real deal out of insurance policies:

Everyone loves being safe and secure. That is the main reason that pet insurance concept has come into being.
It acts as a risk management tool to the pet owner. There are several pet insurance policies with various terms and conditions, to get the real deal out of the insurance policies.
The pet owner should go through each term and condition to select the one which will give the maximum benefit out of it. Online services are there to help such people who are confused about the pet insurance policy and the benefit the pet owner can get out of it.
Comparisons can be done in terms of premium, health coverage of the pet, if the policy suits the pet etc. as normally pet insurance is offered for cats and dogs. If a person has iguana as his pet, he should look for an insurance company who covers this kind of pet.

In case if the pet owner has more than one pet, he can very well approach the insurance company which offers discounts on insurance coverage for all his dogs. This might be very useful in striking the real deal.

Dogs are prone to accidents and illnesses, and the trip to the vet might be very costly affair. Hence dog insurance plays a vital role in providing financial assistance in such cases.
Since the vet is the person who is going to treat the dog, it is good to ask him regarding the best insurance policy for the pets.
Some vets have their own network of insurance agencies and companies and only work for them.
In such cases the vet can provide some valuable information on which insurance company to be approached.
Since the vet knows the health condition of the dog, he can suggest the best pet insurance policy which may cover to the maximum.
Almost all pet insurance policies require the pet owners to pay the initial amount and then get the reimbursement of the amount they spent on their pets.
The vet suggestion may help the pet owner to get the real deal by having the best policy with a good reimbursement plan.

Best Dog Insurance Quotes on the internet.

Should they become ill and need medical assistance, we'll probably spend serious amounts of cash to make them well. The last I checked, my health-care plan didnt provide coverage for my 2 Jack Russels. As a consequence, pet insurance, a trifling cottage industry twenty years back has grown into a major industry.

We made the error of not carrying such insurance and paid a high price several times over. Leave any object at all in range of their paws and jaws and they could well suffer distressing effects. Dogs appear to be the most skillful of all pets when it comes to swallowing objects they very definitely shouldn't. Naturally, one insurance supplier announces that they're the best among the rest but the solution to the question posed by the title of the article is that only you can determine which is the best dog insurance. It relies on what you're looking for, what your dog wishes, and your position. First and most important, you've got to completely judge whether pet insurance is the way to go for you and your dog. For one, one in each 3 dogs will have surprising visits to the vet due to sickness or accident. The best thing about this too is that veterinary medication has improved.

Since they have insurance for themselves, its only fair that they also get insurance for their incessant companions. You can pay a bit fee each month or you can just do an one time massively payment. Some insurance suppliers make this possible for their clientele by just checking on the web. One idea is this instinctive need in some domestic dogs harbors back to a point in time when their ancestors would chase down a good square meal and eat the entire body, bones and all. Our older terrier, Molly loved hunting in the garden, but on one fateful day, she returned in a fit of panic. Click here If you want information all about dog insurance. We shortly discovered that Molly had swallowed three reasonably large rocks, which became lodged in her guts and stomach.

Should you Get Pet Insurance?

If your bones and joints are strong and flexible, they move smoothly. And that means life can be fun, and appreciated fully. But for one in seven people, movement is restricted by a musculoskeletal disorder - arthritis, back pain, fracture, osteoporosis, or sports trauma. Faced with such pain and discomfort, you may be pleased to pay £3,500 for orthopaedic surgery or hydrotherapy to get those painful joints flexible again. But would you be so willing to spend the same money on your pet Labrador?

Veterinary care has developed fast over the last 10 years and as pets get older they are increasingly likely to suffer illness that can be lengthy and expensive to treat. Take diabetes for example. It's relatively common in dogs over the age of 6 and whilst it can be successfully treated, the treatment is ongoing and expensive – one vet estimated that treatment could cost around £2,500 per year. Eczema is yet another condition which can require a long period of treatment.

But as with humans, pets can require emergency treatment at any time. In fact one in three pets make an unplanned visit to the vet every year (source Mintel). Labradors and Golden Retrievers can have conditions such progressive retinal atrophy, Setters can get canine leucocyte adhesion deficiency (can someone tell me what that is?!), Alsations are prone to hip dysplasia and Boxers and Spaniels are susceptible to dodgy hearts. And then there are always those accidents and scrapes in which our pets are so likely to become involved. Your puss may have nine lives but you might have nine vets' bills! With a series of x-rays costing £400 and an MRI scan putting you back £1,500 the case for pet insurance becomes compelling.

Against this background, pet insurance is becoming the fastest growing form of insurance in the UK. Halifax, Petplan, PDSA, Petwise, Sainsburys and Marks and Spencers are all names in the market. Indeed, competition for your business is so fierce there are over 60 mainline insurers offering over 220 different policies. This flood of choice makes the job of choosing a policy somewhat complicated.

So lets try and keep things simple. Pet Plans fall into three basic groups. The first limits the amount paid per condition; the second limits the total paid annually; and the third and usually cheaper, but only suitable for one-off emergencies, limits the claim to per condition per 12 months. Not too good for diabetes!

So faced with all this choice what should you look out for? Here's 10 key questions to ask:

• Are claims covered annually or on a “per condition” basis?

• If the cover is “per condition”, what is the time limit?

• What is the excess per claim?

• Find out if your breed of pet is susceptible to any hereditary condition and whether the plan will cover that. For dogs you'll find information about hereditary conditions at www.the-kennel-club.org.uk and for cats try www.petplanet.co.uk/petplanet/breeds/cats-breeds

• What is the £ limit on vets' fees?

• Does the insurance plan cover the cost of advertising and rewards if you pet is lost or stolen?

• If you are in hospital does the insurance cover kennel or cattery fees? Some plans will payout after the owner has been in hospital for a minimum number of days.

• Is your dog covered for third party liability? Remember, if your dog causes damage or injury you personally, could be liable for damages.

• If you pet has to have urgent surgery shortly before you are due to go on holiday, will the plan pay your holiday cancellation costs?

• Does the plan make a payout if your pet dies?

Where can you find this information? Surprisingly, vets are not always that helpful. They normally carry details of one or two plans but are rarely up to date with the pet insurance market generally. Not surprising really with all the developments in veterinary treatments to keep abreast of!

No, the Internet is the best source of information. Search for pet, dog or cat insurance and you'll find all the information you need. It might take you an hour or so to search out the answers to the key questions but it will be worth it in the end.


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Should I get insurance for my Dog?

The decision to have dog insurance also depends a lot on your dog’s current health.
If, God forbid, your canine is suffering from a fatal ailment, then there is no point having him insured.
Moreover, getting insurance in such a case is all the more difficult to say the least.
Pet insurance costs vary widely owing much to the broad variety of insurance packages available. Comprehensive pet health insurance schemes cover the costs of annual checkups, vaccinations, routine care and preventive medications, and spay/neuter surgeries.
Partial plans only cover accident and illness costs.

Dog Insurance Coverage,is it right for You?

Pet health insurance plans take several aspects into consideration before awarding an insurance cover.
The decision may be based on several considerations - species, age, pre-existing health conditions and lifestyle of the pet (i.e. a docile one compared to one of a sports dog).
A few of the pet insurance companies don’t have an age limit.
However, it’s easier to get pet health insurance if your pet isn’t too old.
Therefore, insurance schemes typically start off at an early age of around 6 weeks for a dog.