General Pet Insurance Tips

Read these 33 General Pet Insurance Tips tips to make your life smarter, better, faster and wiser. Each tip is approved by our Editors and created by expert writers so great we call them Gurus. LifeTips is the place to go when you need to know about Pet Insurance tips and hundreds of other topics.

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Are you familiar with these 5 terms used in all pet insurance plans?

Get familiar with these five terms that you will find in all pet insurance plans

Being fluent in pet insurance terminology is important because that way there can be no confusion between what you think a terminology means and what it really means. Listed below are five commonly used terms that you might want to be familiar with.

1.Premium : This is the amount of money that you need to pay to buy a pet insurance policy. Most pet insurance companies give you the option of monthly payments and annual payments.
2.Exclusions: These are the list of conditions not covered under your pet insurance policy. You must read this list very carefully because once you have accepted the policy and if your pet has a condition that comes within the list of exclusions, then there's no chance that you can ever recover a claim from your pet insurance company for that condition.
3.Claim: This is the amount that you have spent on a specific condition for which you fill in your pet insurance company's claim form in order to get it reimbursed.
4.Excess: This is the part of every claim that you send in which you have to pay. Generally pet insurance companies pay somewhere between 75% and up to 90% of expenses that you incur. Some pet insurance companies even pay 100% of a claim. In such cases, the excess works out to zero.
5.Maximum benefit: This is the maximum amount that you are allowed to apply a claim for. The maximum benefit will vary for different conditions and different surgical procedures and examinations. These will be specified by your pet insurance company. Read the terms and conditions carefully before filling the form and sending it to your
pet insurance company.

   
Do you know what to look for while choosing a pet insurance plan?

Choosing a Pet Insurance Plan? The more the benefits, the better it is

When you choose a pet insurance plan for your pet dogs, you must read the benefits carefully to make sure that the most important conditions are not left out.
Illness benefits should include coverage for all the twelve different systems like:
1.Cardiovascular & respiratory system
2.Digestive system
3.Urogenital system
4.Musculoskeletal system
5.Nervous system
6.Eyes
7.Ears
8.Skin
9.Endocrine system
10. Blood & lymphoid system
11.Infectious diseases
12. Cancer

Other conditions which you check to see if they are included would be emergency care and accident benefits, vaccination and deworming, spay and neuter charges, and routine tests like
1.Ultrasounds
2.X-rays
3.CAT scans
4.MRIs
5.Lab tests for blood, urine and stools
6.Surgery
7.Hospitalization
8.Prescription medication
9.Chemotherapy
10. Complementary medicine treatment

Don't forget to make sure that your pet's pet insurance plan offers travel insurance, pet boarding kennel fees, pet prescription diets and holiday cancellation expenses. Do check out the discounts too!

   
What are the 4 questions you must ask to confirm that your pet insurance company

Ask these four key questions to confirm your pet insurance company is 'really' there for you

1. Has the pet insurance company made it easy for you to file claims?
This is key. Some companies have a 24 hour helpline to process claims. Find out whether the pet insurance company you plan to get your pet insured with has such friendly systems in place. Don't forget to take a careful look at the pet insurance company's claim filing form. If the claim filing form has any terminology that you do not understand, get it clarified at once from the pet insurance company's customer care division.

2. Is the pet insurance company's online payment systems secure?
Great to know that the pet insurance company you've chosen accepts online payments. But, did you see the VeriSign mark? The VeriSign mark is a sign that indicates the pet insurance company has taken care to make sure that online payments are more secure.

3. How long does the pet insurance company take to process claims?
Is it done within a fortnight or does the pet insurance company process claims within six months? Choose a pet insurance company that will process claims fast. Remember, a pet insurance company that processes claims fast is reliable, efficient and truly cares for your pets.

4. Will the pet insurance company cover a pre-existing condition?
A condition that your pet is already suffering from before you register for the insurance policy, is called a pre-existing condition. Though, most pet insurance companies will not offer an insurance cover for a pre-existing condition, there are some that do. In case your pet is already suffering from an illness you must necessarily choose a pet insurance plan that covers pre-existing conditions.

   
How do I know if my pet insurance is reputable?

Pet insurance companies should be backed by solid underwriters

Insurance companies must be backed by an underwriter. The company that serves as an underwriter is responsible if the company needs support paying claims and the like. Underwriters carefully consider an insurance company before they back it. They are hoping that claims filed against the company will not exceed the premiums paid. For this reason, underwriters must be reputable and have a strong history in making good decisions.

When buying pet insurance, you should research what company underwrites the insurance. If that company does not have a good rating, it may be a sign that the coverage will not be worthwhile. You can find out about underwriter ratings online or by calling your state Department of Insurance.
You should also consider how long your pet insurer has been in business. This doesn't mean that newer companies can't be trusted. But, in general, if a company has a long and successful history, it might be a better choice.

   
How do I choose a reputable pet insurance plan?

Make sure your pet insurance company is governed by the Department of Insurance

In the early 1980s, when pet insurance first became available, there were few plans to choose from. Now, pet lovers have many more options and it seems more plans are available every day. That is why it is essential that you make a careful decision when purchasing pet insurance.
Insurance is regulated at the state level. That means if you have a complaint or concern about an pet insurance company, the Department of Insurance in the state where you live is likely to help investigate it. When you buy pet insurance it's a good idea to ask if that company is licensed by the DOI in the state where you reside. Also, you can ask how many states the insurance company is licensed in. Answers to these questions will offer you some insight into whether the insurance carrier is reputable.

   
Is pet insurance expensive?

What does pet insurance cost?

Pet insurance costs will vary from company to company, and plan to plan. The plan specifics you choose, such as a deductible and co-insurance amount, will affect your overall cost. Generally, cats are less costly than dogs and insuring exotic pets might cost more.
However, you can expect to pay about $250-400 per year on pet insurance. Pet insurance than covers only accidents may be as low as $60 per year.
Many plans allow you to make a monthly payment. If you are considering pet insurance, you should budget about $25-30 per month per animal.

   
Do you have some facts about pet insurance?

Some Pet Insurance Facts

Only one percent of Americans currently insure their pets, but pet insurance has been popular in Europe for many decades. Here are some more quick and interesting pet insurance facts:
• Pet health insurance has been available in the United States since the early 1980s.
• Some companies offer protection worldwide, in case you travel with your pet.
• Accident coverage begins the same day you sign up for most plans.
• Some breed specific issues are not covered by many plans.
• You can choose to cover your pet only for accidents, or for accidents and illness.
• Pet health insurance is far less expensive than using veterinarian loan plans that many vets now offer.

   

Pet Care Insurance for Your Furry Friend

Pet care insurance is health insurance for your dog and cat. Many pet owners choose to purchase insurance for their pet in order to cover unexpected medical bills. Health care for your dog or cat can be extremely expensive, especially if your pet requires surgery or becomes seriously injured. Possessing pet care insurance for your furry friend can be a protection against astronomical medical bills while still maintaining your pet’s health.

A simple online search for pet insurance reveals a variety of companies that offer pet illness insurance plans. Pet owners can compare different companies in regards to price and coverage. They may wish to consider several factors before making a decision. Before purchasing a plan, pet owners should find out when coverage begins. They should also research the amount of the insurance deductible for each company. Finally, they should note whether or not their pet’s veterinarian is included in the insurance network.

To many pet owners, a pet is a valuable member of the family that deserves the best medical care. Buying pet care insurance ensures that your furry friend receives the best medical care when medical emergencies arise. No matter which plan you ultimately choose, you will enjoy peace of mind, knowing that you will be able to afford your pet’s medical bills.

   

Bring Your Claim Forms

If you have pet health insurance, one thing you can't forget to do is bring your claim forms with you to the veterinarian’s office when you visit for routine care. And, don’t just bring them with you and leave them in the car, but bring them into the office and make sure they are filled out properly before you leave. That way, you can immediately submit them to the insurance company when you return home. If you happen to forget them, you'll have to get them filled out later and remember to submit them after you've typically forgotten about the visit. Also, consider leaving blank claim forms in your car for such times when an emergency visit is required and you don't have time to find and grab them. In an emergency, you don't want to have to delay treatment for the time it takes to find the forms. If you plan on submitting the forms by mail, be sure to photocopy everything. However, faxing in the completed forms tends to result in quicker reimbursement. It won't change how much you get back, but at least you'll have your claim processed sooner.

   

Getting Animal Health Insurance for Your Pet

Deciding to adopt a pet is a big decision. With the rising cost of veterinary care getting animal health insurance for your pet is a choice that more and more animal owners are making. Out of all of the animal health insurance available, make sure you compare plans to get the best one for your pet. A comprehensive plan that covers all regular examinations, vaccinations and surgery is best. Make sure that it will also cover emergencies like acl surgery for dog or even emergency surgery for accidents. If you already have a veterinarian, check with them to make sure what plans they accept. If you do not already have a vet, make sure that the plan you choose has plenty of choices in your area so that you can find a vet that is a good fit your you and your pet. Ask the vet what types of surgeries they often see pets for and then make sure that the plan that you are considering covers it. For example, some dogs are more susceptible to hip, joint or skin problems, so if your plan will not cover acl surgery for dog joint problems or steroid treatment for dermatitis you may want to consider another plan.

   

Information on Pet Insurance

If your dog or cat has a pet health problem or is accidentally injured then pet insurance is a great way to cover the cost of visiting the veterinarian. All pet owners are aware of the increasing cost involved with visiting a veterinary clinic. Pet insurance policies limit the out of pocket expenses of the pet owner. Most pet insurance policy work by issuing reimbursements for services your pet has received from the veterinarian. People interested in purchasing pet insurance should read the policy carefully to make sure that it is covering everything that the pet requires for their pet. Insurance coverage may vary by company and it is important for the pet owner to read the policies before agreeing to purchase it.

Some policies do not cover preventive care or neutering. If coverage of these types of items is required, then research is required to find the appropriate policy to meet their needs. It is important for person to read the entire insurance policy to make sure that they understand the terms and conditions. By reading the terms and conditions a person will be made aware of any exclusion included in the policy and any limits on the policy. Just like human health insurance, a pet insurance policy may contain a deductible and/or co-pay.

   

Pet Health Insurance

Several insurance companies will insure pet on your policy. There are also agencies, mostly online, that will give you pet health insurance for your pets. Not every pet can be covered however. Many insurance companies decide whether your pet will be insured based off of the breed of your pet and their known genetic health issues that generally arise in that breed. Some breeds like Pit bull dogs and Himalayan cats won't be insured because Pit bulls have a tendency to turn on their owners if mistreated and Himalayan cats have breathing problems that mean they will need more health care than, say, a tabby cat would.

Many insurance companies won't insure your pet if you bring them in later in their life and ask for insurance. If you do not insure your pet when they are a young, an insurance agent may be skeptical of the reason you are just now bringing in your pet to be insured. Not all procedures are covered by pet health insurance. For instance, if it a procedure that is considered routine like yearly rabies shots, it is unlikely that your pet's health insurance will cover it because it is routine. In other cases, if your dog swallows your son's toy car, like any other medical insurance, you will have to pay a deductible up to a certain percentage of the total cost of the procedure and then the insurance company will cover the rest.

Make sure that you ask your insurance provider about pet health care information so that you know what will be covered and what won't.

   

Why Your Pet Needs a Pet Insurance Plan

Insurance for dogs and cats? Don’t laugh; a pet insurance plan can save you a great deal of money if Fido gets sick or Fluffy breaks a leg. People who love their pets want to provide the best medical care possible for them. Consequently, they often choose to purchase a pet insurance plan so they can afford any unexpected medical procedures that may arise throughout the course of the pet’s life.

Today, there are several pet insurance plans from which to choose, each offering a variety of coverage, prices and policies. Pet owners should comparison shop in order to find the best plan for both their pet and pocketbook. Things to consider when choosing a plan include when coverage begins, the price of the insurance deductible and whether you must take your pet to see specific veterinarians that are included in the pet insurance plan’s network. Some plans do not cover specific medical conditions, so it’s a good idea to take this into account when selecting a plan as well.

Purchasing a health insurance plan for your pet allows you to seek the best care for them. It also prevents painful decisions that some pet owners make when they must choose between their pet’s life and their bank account. Insurance for your pet can provide you with peace of mind, knowing that you are prepared for any emergency medical needs your pet may experience.

   

4 Common Mistakes in Finding Affordable Pet Insurance

Every dog or cat lover wants to keep their pet happy and healthy. Finding affordable pet insurance is one way to do just that. However, it is important to avoid these four common mistakes.

1. Don't Ignore Pet Insurance Ratings. It is important to conduct a search on the Internet to find reviews and ratings on companies that provide pet insurance. This will help you to avoid the companies that do not provide the best coverage for the money.

2. Avoid generalized plans. When it comes to pet insurance, the more specific the better. Do not fall prey to a plan that offers the same coverage for a cat, dog and pet rabbit.

3. Do not fail to read the policy and coverage closely. For some plans, the monthly premiums are so expensive that they exceed the amount covered for an illness or injury.

4. Do not fail to consider the age of your pet. As a pet ages, he has more of a chance of becoming ill. The insurance premium is usually more for a senior pet, which may not make sense financially. In these cases, it may be best to just pay the out of pocket expenses as they occur.

   

Insuring your Pet: a Matter of Love

You may have thought "insuring my pet? Can I afford to?"
Pet Insurance seems like an expense most of us would like to skip in these hard economic times. But, take a minute to think about your pet and how a devastating injury or illness would effect your animal and your family.
In an instance, your cat can get hit by a car. Your puppy can swallow something you never thought would interest him. Your beloved best canine friend could receive a cancer diagnosis.
Your pets are family members, and you would probably do all you could to save their lives, to keep them happy and healthy. To look them in the eyes, to remember all the love, affection and loyalty they gave, and to have to turn down a life-saving procedure because of the financial burden involved, will tear you apart.
How much better to invest in their -and your- future by purchasing appropriate pet insurance now. Don't wait until it is too late and you have to make a hasty, emotional decision. Insure your pet, and you will have peace of mind knowing your options will be open, should your precious pet face serious injury or illness. They have given us their heart, and we owe it to them to be able to make the best decisions for their medical care through pet insurance. Call now.

   

Get the Best Pet Insurance

Getting the best pet insurance for your pet is important. If you are thinking about getting insurance for your cat, it is important to compare cat insurance before you purchase. There are so many different policies out there that you really need to read all of the fine print before you buy. Find out what the insurance covers. Some plans are comprehensive, others cover only illness but not accidents. Make sure you understand the coverage and remember, even the best pet insurance does not cover pre-existing conditions. It is also important to find out if your veterinarian accepts the plan that you are interested in. If the vet does not accept your plan, check to see if he accepts a comparable plan or consider changing vets. Remember that even with the best pet insurance you will have to pay for the treatment upfront and be reimbursed later. Finally remember that when you compare cat insurance policies that pet insurance is an investment. The coverage may not pay for itself with every trip to the vet, but it will help with a little of the smaller costs and a significant portion of large costs. Pet insurance will usually keep you from having to choose between putting your pet down and not being able to afford the vet bills.

   
How do I know if my pet insurance is reputable?

Pet insurance companies should be backed by solid underwriters

Insurance companies must be backed by an underwriter. The company that serves as an underwriter is responsible if the company needs support paying claims and the like. Underwriters carefully consider an insurance company before they back it. They are hoping that claims filed against the company will not exceed the premiums paid. For this reason, underwriters must be reputable and have a strong history in making good decisions.

When buying pet insurance, you should research what company underwrites the insurance. If that company does not have a good rating, it may be a sign that the coverage will not be worthwhile. You can find out about underwriter ratings online or by calling your state Department of Insurance.
You should also consider how long your pet insurer has been in business. This doesn't mean that newer companies can't be trusted. But, in general, if a company has a long and successful history, it might be a better choice.

   
How do I choose a reputable pet insurance plan?

Make sure your pet insurance company is governed by the Department of Insurance

In the early 1980s, when pet insurance first became available, there were few plans to choose from. Now, pet lovers have many more options and it seems more plans are available every day. That is why it is essential that you make a careful decision when purchasing pet insurance.
Insurance is regulated at the state level. That means if you have a complaint or concern about an pet insurance company, the Department of Insurance in the state where you live is likely to help investigate it. When you buy pet insurance it's a good idea to ask if that company is licensed by the DOI in the state where you reside. Also, you can ask how many states the insurance company is licensed in. Answers to these questions will offer you some insight into whether the insurance carrier is reputable.

   
Is there insurance coverage for exotic pets?

Can my exotic pet get insurance?

When most people think of pet insurance, they anticipate coverage for dogs and cats. While pet insurance for these animls is the most common type of pet insurance available, more and more plans are now offering insurance for exotic pets, too.
These days it's not uncommon for people to keep snakes, lizards, hedgehogs, chincillas, birds and horses as pets. But, whether or not to insure these pets takes careful consideration. For example, many types of lizards can develop metabolic bone disease if they are not cared for properly. You should ask your vet what types of illnesses are most likely to develop in your exotic pet and what the cost of preventive and ongoing treatment might be. Then you'll be better able to decide if exotic pet insurance is right for you.
Insurance for exotic pets is a little more difficult to find so you'll have to expand your search. But, it is out there an you should follow all the tips offered about buying cat and dog pet insurance before you buy insurance for your exotic pet.

   
How do I file a claim for pet insurance?

Pet insurance works differently than regular health care

You should be aware when buying pet insurance that filing a claim is different that your traditional health plan. When you are sick or go to the hospital, most often your health provider files a claim with your insurance company. If the claim is accepted, your health provider receives payment directly from your insurance carrier.
Pet insurance works differently. When you visit your vet, you will be expected to pay the bill in full even if the service is covered on your pet insurance plan. Then, you'll be required to file a claim form with your provider. You may have to obtain a signature from an authorized vet or vet associate. Then, reimbursement will be sent directly to you, not your provider. You should take this into consideration so you can be prepared to more fully utilize your pet insurance plan.

   
Is health insurance worth the cost?

Buying pet insurance may be a savvy decision

Not too long ago, pet insurance was considered not worth it. The first pet insurance plans were only introduced in the early 1980s. Prior to that vet bills were often not high enough to offset the cost of the plan.
But, these days many people are opting not to have children and so have more money to spend on their pets. Pets are now a highly valued member of a household and owners want to keep them healthy as long as possible.
Additionally, vets now have access to sophisticated diagnostic tools and treatment options. Illnesses once considered fatal can now be cured. For these reasons, buying health insurance can be a financially savvy decision.
Also, vets now have access to much more advance and sophisticated diagnostic

   
Is pet insurance expensive?

What does pet insurance cost?

Pet insurance costs will vary from company to company, and plan to plan. The plan specifics you choose, such as a deductible and co-insurance amount, will affect your overall cost. Generally, cats are less costly than dogs and insuring exotic pets might cost more.
However, you can expect to pay about $250-400 per year on pet insurance. Pet insurance than covers only accidents may be as low as $60 per year.
Many plans allow you to make a monthly payment. If you are considering pet insurance, you should budget about $25-30 per month per animal.

   
Is there insurance coverage for exotic pets?

Can my exotic pet get insurance?

When most people think of pet insurance, they anticipate coverage for dogs and cats. While pet insurance for these animls is the most common type of pet insurance available, more and more plans are now offering insurance for exotic pets, too.
These days it's not uncommon for people to keep snakes, lizards, hedgehogs, chincillas, birds and horses as pets. But, whether or not to insure these pets takes careful consideration. For example, many types of lizards can develop metabolic bone disease if they are not cared for properly. You should ask your vet what types of illnesses are most likely to develop in your exotic pet and what the cost of preventive and ongoing treatment might be. Then you'll be better able to decide if exotic pet insurance is right for you.
Insurance for exotic pets is a little more difficult to find so you'll have to expand your search. But, it is out there an you should follow all the tips offered about buying cat and dog pet insurance before you buy insurance for your exotic pet.

   
How do I file a claim for pet insurance?

Pet insurance works differently than regular health care

You should be aware when buying pet insurance that filing a claim is different that your traditional health plan. When you are sick or go to the hospital, most often your health provider files a claim with your insurance company. If the claim is accepted, your health provider receives payment directly from your insurance carrier.
Pet insurance works differently. When you visit your vet, you will be expected to pay the bill in full even if the service is covered on your pet insurance plan. Then, you'll be required to file a claim form with your provider. You may have to obtain a signature from an authorized vet or vet associate. Then, reimbursement will be sent directly to you, not your provider. You should take this into consideration so you can be prepared to more fully utilize your pet insurance plan.

   
Is health insurance worth the cost?

Buying pet insurance may be a savvy decision

Not too long ago, pet insurance was considered not worth it. The first pet insurance plans were only introduced in the early 1980s. Prior to that vet bills were often not high enough to offset the cost of the plan.
But, these days many people are opting not to have children and so have more money to spend on their pets. Pets are now a highly valued member of a household and owners want to keep them healthy as long as possible.
Additionally, vets now have access to sophisticated diagnostic tools and treatment options. Illnesses once considered fatal can now be cured. For these reasons, buying health insurance can be a financially savvy decision.
Also, vets now have access to much more advance and sophisticated diagnostic

   
Are there some pets that simply aren't covered by a pet insurance policy?

When Does a Pet Insurance Policy Not Make Sense?

Some pets simply will not qualify for a pet insurance policy, or the cost will be extremely prohibitive. Most companies do not cover pets with birth defects or pre-existing conditions. Many also do not cover regular exams, check-ups, vaccinations, and spaying or neutering. Some do not cover the costs of breed specific "beautification," such as tail docking, or the costs of breeding.

If your pet has a pre-existing medical condition, or your pet is extremely old, the cost of an insurance policy that will cover these conditions may be prohibitive, or may not be available for all. A pet insurance policy does not answer the pet health questions and challenges of all pets, but it can be the right medical answer for most pets.

   
Can I receive a discount on my pet insurance policy if my pet is an indoor only pet?

Lifestyles of the Rich and Pampered

Your pet insurance policy may be cheaper if your pet lives in a safe environment. For example, if you have an indoor dog or cat, your pet is less susceptible to car accidents, attacks from other animals, easily spread diseases, or getting lost. Many pet insurance policies reward pet owners like this with better rates. If your pet lives in an enclosed yard that is "pet-proofed" as much as possible, you may receive better rates, too. Be sure to ask questions when you sign up for your policy, including what discounts the company offers. You may be surprised to learn that pampering your favorite pet may just pay off in lower premiums and a happier lifestyle.

   
Isn't pet health insurance extremely expensive?

Pet Insurance is Expensive

Many people feel pet insurance is too expensive, but the facts simply don't back up their beliefs. Many companies offer multi-pet discounts, discounts for annual payments, and low rates of less than $1 per day for many plans. While the cost may initially seem expensive, it is actually extremely reasonable, especially when compared with our own health care costs. Many people spend hundreds of dollars per month in health care premiums through their employer or insurer, and pet health insurance is far cheaper than that, even for multiple pets. In fact, some people might see pet insurance as a real bargain. Since all pets require care and maintenance just like we do, insuring your pet is really not that expensive at all, and that's a fact.

   
Can I use the veterinarian I'm currently seeing with most pet insurance plans?

The Benefit of Choosing Your Own Veterinarian

One of the most important pet insurance benefits is the ability to choose your own veterinarian. Almost all plans reimburse you for out-of-pocket expenses within days, so you can pay your vet quickly and easily, or pay up front and then the insurance company reimburses you directly. Most plans do not require you to visit "member plan" vets, so you can visit any doctor or animal hospital in your area. If you already have an established relationship with a vet, you won't have to begin with another doctor. Your pet won't have to go through the trauma of visiting a new office, either. Since your relationship with your specific veterinarian is paramount to your animal's health and well being, keeping your current vet is a huge benefit to most pet owners.

   
Where can I find pet insurance benefits for my exotic pets?

Pet Insurance for Exotic Pets

Most people think pet insurance is just for dogs and cats, but that's just not so. Many companies also offer exotic pet and bird insurance plans. Not all companies offer this benefit, so it pays to ask questions before you enroll your pets.

Since some exotic pets suffer specific illnesses and health problems, you should also question what is and is not covered as you research benefits and coverage plans. Many companies also offer discounts for multiple pets, even if they include exotic pets combined with dogs and/or cats. So, if you have a pet question about insuring your exotic pet for maximum health coverage and benefits, ask your pet insurance provider if they offer exotic pet insurance benefits.

   
What additional benefits do some pet insurance companies offer?

Additional Benefits from Pet Insurance

The health care and accident benefits from pet care insurance policies are quite attractive, but some companies offer additional benefits to policy holders to make their policies even more appealing. For example, they may offer free pet tags and lost pet recovery as an additional benefit for insured pets. That way, if a pet gets lost, there's a toll-free telephone number and identifying I.D. number on the pet's tag to help locate the pet's owner.

Some companies offer online discussion groups, blogs, and veterinary questions as additional benefits, too. As more consumers discover the benefits of pet insurance, it seems more additional benefits will be offered to pet owners who insure their pets.

   
Can I still find a pet insurance policy for my older pet?

Insuring the Older Pet

Pet insurance gets more expensive as the animal ages, so it makes sense to sign your pet up as early as possible, rather than waiting until premiums are higher. Also, if you insure an older pet, the insurance company will probably request pet health information, or require a physical examination by your veterinarian to discover any pre-existing conditions. Just like humans, animals suffer from more diseases and health issues as they age, so purchasing pet insurance makes sense and gives a greater sense of caring for your pet.

   
Do some employers really offer pet insurance as an additional workplace benefit incentive?

Pet Insurance Incentives at Work

Many employers are finally recognizing what most pet owners have known for years. Pets enhance our lives, make us generally happier and healthier, and that transfers to most areas of our lives including the workplace.

A happier workforce is more productive and successful, and that's why many organizations are beginning to offer pet insurance incentives to their employees. Many pet health insurance companies offer business group rates for their pet health plans, so the employees enjoy savings on their pet insurance needs. Many companies also offer the convenience of payroll deductions for pet insurance premiums. Check with your employer to see if they offer this incentive for pet owners, or suggest it to your company as an additional employee benefit.

   
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