PETINSURANCE
Pet Insurance
pays the veterinary costs if your pet is ill or has an accident. Some
pet insurance policies also pay out if the pet dies, is lost or
stolen.
The purpose of pet insurance is to remove the need for the "life
or money" decision if a pet guardian is faced with an unexpected
veterinary bill.
VPI Pet Insurance, the largest of the pet insurance companies,
offers insurance for cats, dogs, birds and many types of exotic animals.
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PET HEALTH INSURANCE
Pet Health Insurance can take
away the financial worries when a pet is seriously ill. It is often
difficult to get insurance for older pets and pre-existing illnesses
will not be covered so it is important to think about insurance as soon
as possible.
Pet insurance often covers more
than just the vet bills. It can also cover emergency kennel costs, theft
and travel. Like most other forms of insurance, pet insurance has
a small excess which you will have to pay on any claim - a deductible.
Vaccinations and routine treatments such as worming and flea treatments
are also excluded.
Pet insurance generally will not
pay for preventative veterinary care (such as vaccinations) or elective
veterinary care (such as neutering) since these costs are known and can
be budgeted for in advance. Recently however, some companies in the UK
and US (Such as PetPlan, in the UK, and VPI PET INSURANCE,
in the US) are offering routine care coverage as well to help reimburse
for all costs related to pet care.
The oldest pet insurance company in
the United States, Veterinary Pet
Insurance of Brea, Calif., has marked its 25th year of operation. |
