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Most pet owners view their pets as members of the family and pet health insurance is very much on the "family" agenda these days. Pet Insurance is instrumental in making veterinary medicine affordable to all pet owners. Pet Insurance plans typically cover dogs, cats, birds and exotic pets for thousands of medical problems and conditions relating to accidents, illnesses and injuries. Optional vaccination and routine care coverage is also available in some cases.
Pet Insurance
Pet Insurance pays the veterinary costs if your pet is ill or has an accident. Some 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 and very expensive veterinary bill. Since pets are considered part of the family more and more and veterinary medicine is increasingly using expensive human medical techniques and drugs, pet guardians are facing this emotional decision more frequently than in the past.
Policies usually limit the amount they will pay out either by capping the total sum they will pay out in a year, or place a limit per illness or accident, or place a cap per claim with the claim period being limited to a year.
The pet owner usually also has to make a payment towards any claim. 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 budgetted for in advance.
The pet owner usually also has to make a payment towards any claim. 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 budgetted for in advance.
Whilst known as Pet Insurance, insurance is normally only available for cats and dogs. (Specialist insurance is available for horses, known as Equine Insurance).