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Pet Insurance .. A better way to show your pets that you care.

Jul 7, 2008
With vet's bills on the increase, if you love your pet than how can you consider not having pet insurance to cover the costs of medical tests, x-rays, prescriptions and other medical bills?

Also, as with human travel insurance policies, pet insurance can be purchased either as annual policy or as a one-off travel policy. Often insurance companies will start insuring pet from the age of six months but some will not give coverage to your pet if they are more than of eight years owing the costs involved with looking after older animals.

Health care schemes for pets have been available for some time now, in fact for over 15 years since the increase in pet ownership provided a new area where insurance was seen as a necessity. As pet insurance has become more popular, there is every chance that your veterinary surgery will be familiar with and accept the various pet insurance programs currently available.

Just as with human insurance there are various types of pet insurance, including third party liability coverage, which will protect you if you pet harms someone, destroys property, causes an accident, and so forth.

Such is the popularity of pet insurance nowadays that just about every eventuality can be covered by your insurance company with comprehensive policies that will pay all medical expenses plus damage caused by your pet and even injury to other animals and people.

There are many companies that offer pet health insurance, and you should ask your Veterinarian what companies he or she recommends. Almost all pet care insurance provides, at the very least, health cover that includes cuts, illnesses, accidents, abrasions and also dental expenses.

Once a claim has been submitted to the pet insurance company, they communicate and pay the vet directly. Pet insurance has become more expensive over recent years along with its popularity and most loving pet owners will do almost anything for their pet's wellbeing. For many pet owners, not purchasing pet insurance can mean expensive vet bills for every trip to the vets they make which tends to increase as the pet becomes older.

However, like all types of insurance, most pet insurance policies carry an excess which means that you have to pay a small amount towards the cost of any treatment claimed for under the policy. If you are concerned about long term care for your pet then there are pet insurance policies that will pay the vet for treatment for as long as your pet requires it, up to a maximum fixed yearly figure.

One thing to consider is that the insurance costs will depend on what pet you have, its age, health and breed because this is a complicated area, much more so that arranging a policy for the health of a person.

As your pet ages, the likelihood of an increasing number of trips to your veterinarian becomes almost certain so to avoid the probable financial troubles this may cause; it is a good idea to start your pet insurance whilst they are still young.
About the Author
The author is a pet lover himself and is the webmaster of the website Exotic Pet Birds, his website gives information about different exotic birds like Eclectus, African Grey, Macaws, Conures and many more.
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