Sunday, July 14, 2013

What Owners Should Know About Insurance For Pets

By Jay Beckner


A lot of people will do whatever they can to guard the welfare of their beloved animals. These people should be made aware of the tips for selecting insurance for pets that can aid them in guarding their animals' welfare. Such tips are outlined in the paragraphs below.

While there are many pet policies, they are not all equal. Some only provide basic coverage while others only cover accidents. Some are designed for animals wits catastrophic diseases such as cancer. Others offer a balanced approach to providing care.

Owners should beware of companies offering a low coverage cost but denying many of the claims. Often the least expensive polices offer the lowest coverage. They may not cover if your beloved pet needs treatment for cancer.

Owners should not worry about their vet accepting the company they select. Carriers accept claims from any licensed veterinarian. Owners do need to understand they are responsible to pay all the bill out of pocket first and then be reimbursed. Veterinarian offices do not bill carriers directly, but provide copies of the bill that are submitted to the carrier. The process of receiving the check can take a few weeks.

Owners should not expect coverage for pre-existing conditions. Pet policies are a part of property coverage. Just as a homeowners policy does not cover damage to the home before the purchase of the policy, pre-existing conditions with the health of the pet are not insured.

To conclude, the paragraphs above do not tell the full story of selecting insurance for pets. Nonetheless, they do provide an excellent introduction for guarding the welfare of your beloved pets. And it is worthwhile in the long run to go to the lengths that such a process demands of you.




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