Pet health insurance is considered a necessity by some people and a whim by others. The truth is that in the situation when millions of Americans have no health insurance coverage, it sounds paradoxical that some would go to the length of insuring their pets. Nevertheless, in many cases, pet health insurance makes the only chance for medical treatment and even survival if the animal suffers from some severe problem.
Things have changed a lot in the industry ever since the costs of pet health insurance have stopped being so prohibitive. There are different levels of pet health insurance now available that help people cope with the costs incurred by veterinary treatments, regardless if we are talking about disease conditions, emergency interventions and preventive/routine care. The pet health insurance system is similar to that of human policies: there are annual premiums, coverage plans and deductibles.
You can create a pet health insurance when your animal friend is between six or eight weeks of age, and there are some age limits. While is some cases pet health insurance has an 8-year limit, in other cases it extends up to 27 years. The pet may get coverage after the age of 8 if the animal has had an insurance prior to this age. Animals with current conditions and terminal diseases may cause rejection for pet health insurance. In certain situations, the insurer may provide coverage if the pet’s condition is controlled and stable.
Choose the pet health insurance that best corresponds to your pet and the specificity of the species. It is based on such ideas as well as on the package content that the monthly or yearly premiums are designed. Most plans cover annual checkups and vaccinations, preventive medications, spray surgeries and various routine care procedures. There are also pet health insurance policies for illness and accident. The coverage for accident claims is usually immediate.
The alternative to getting a pet health insurance is to take the animal to a humanitarian association or non-profit organization that provide free health checkups and emergency treatments. You can make 25% savings on veterinarian services if you work with programs like Pet Assure. They also provide other pet services and supplies for which you can even get a 50% discount. This could be a solution to take into consideration!