Pet Insurance is not a new, it has been around for some time. Not many pet owners think about it until something happens to their pet and they find themselves with a Vet's bill that is quite large or their pet may need an operation and a stay in the animal hospital that they cannot afford.
I was fortunate to find a book called Pet Insurance Secrets Revealed and it helped me enormously with what to look for and what to ask when I was shopping for my pet's health insurance.
Like any insurance policy you need to do some research.
*What type of cover is available? *Will it cover a visit to the Vet for the regular check-ups? *What about if there is surgery involved and a stay in the animal hospital for your pet? *Will that be covered in total or will you have to pay a percentage?
Today there are more and more insurance companies taking up the pet health care insurance so you do have a choice and it will be worth your while to look at them all carefully. It's no good thinking your pet is covered only to find there was some small print you hadn't checked out.
I know I was not aware that different breeds of pets have traits that are hereditary until I read Pet Insurance Secrets Revealed. I found there are different pet insurance packages designed for different pets. Some breeds of dogs have hereditary traits that may be excluded in a policy for you if you have that breed of dog. The age of your pet will have a bearing on the pet insurance policy too. Check out the exclusions very carefully as the conditions that may affect your pet will probably be the ones that could be excluded from the policies.
It is no good having a pet insurance policy that doesn't cover your normal trips to the Vet, you want one that will provide you with the best possible and affordable coverage.
Remember, as with most insurance, there are deductibles. Pet insurance is no different. So it will apply to your pet's health insurance too, the higher the deductibles the lower the premiums and vice versa, the loser the deductibles the higher the premiums. If you can afford the higher premiums, that may be a better option, not so much to pay out at the time of treatment.
You know, animals can have many of the same problems as humans, some humans cannot tolerate fat in their diet, this can apply to your pet also. If you are giving your pet a low quality pet food this may have a detrimental effect and cause your pet to be ill. So give your pet the best possible pet food you can afford.
You can help with your pet's health insurance costs by taking a few steps to ensure your pet stays healthy. I found some great tips in the book about this. Just watching your pet's diet can make a huge difference. We can spoil our pets without realizing it.
An overweight pet will have the same problems as an overweight human, so manage your pet's weight too, make sure they get plenty of exercise and always have fresh clean water available at all times.
Remember your pet is not a human, so don't treat it as one. There is nothing sadder than a little Maltese sulking and pouting because she had to go on a diet and eat dog food, couldn't have her favorite dish, Lasagna that her owners were having. She sat under the table and wouldn't eat. Eventually she did start eating her food and now is a much healthier dog. I think it was harder for her owner to have to refuse her favorites.
So we all like to take good care of our pets one way to do this is to make sure we have them covered with pet insurance.
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