A Review On Pet Insurance

More and more pet owners are buying pet insurance these days. If you feel this is a big waste of money, I will try to change your mind.

Veterinary science is making big strides forward. Procedures that used to be reserved for humans only are now available to pets. As a result, our pets are living much longer and healthier lives than they did just a short time ago.

While all this is good, veterinary costs are skyrocketing. Some procedures can cost up to $5,000.

Faced with a huge bill and no pet insurance, the only option available to many dog owners is putting their pet to sleep. A good dog health insurance policy can change all that.

OK, you are convinced that it's a good idea to buy an insurance policy for your pet. But what distinguishes a good dog insurance policy from a bad one?

Before You Buy Pet Insurance...

Let's review some of the questions you need to ask before you buy a pet health insurance.

• How stable is the company you are planning to buy pet insurance from? Have they been in business for a long time?

• Are there any procedures the policy will not cover?

• Will I be able to choose my own veterinarian or will I need to see only participating veterinarians?

• Will the policy pay for conditions that existed before you purchased the policy? Most pet health insurance policies will not, but some will and it's worth asking.

• Will the policy pay for visits to a specialist?

• Will the pet insurance policy pay for preventive visits?

• What are the conditions for termination of the policy?

• Is there a deductible and how much is it?

• Will the policy pay for medications?

• Is there an age limit?

• Finally, you need to ask what the premium will be...

While you should expect to have some out of pocket expenses, make sure that in a case of emergency, all the procedures necessary for your pet's recovery will be covered.

Ask your veterinarian what pet insurance he or she can recommend. If you know more than one vet, ask for several opinions and then do your own research. And before you sign on the dotted line, don't forget to read the small print!

A good pet insurance can save you a lot of money if your pet gets seriously ill. But if you don't want to be stuck paying for procedures you thought were covered, you need to be very careful. Ask the right questions, ask for recommendations, read the small print and make sure the company is stable. Good luck!