Pet Insurance -- Don't Forget Fido
By USInsurance.com Staff
For some people, their four-legged friends (specifically cats and dogs) are like children to them. They would do anything for their animals and would be devastated should anything happen to them. Luckily, there is insurance for pets that ensures -- should an accident or a sudden disease occur -- your pet will be protected. Similar to a health insurance plan, pet insurance covers your pet for surgical procedures to routine check-ups. Here are some of the common pet insurance plans and what to look for.
1. Full Coverage (sometimes called traditional insurance):
The superior insurance plan covers medical insurance such as on annual check ups, visits to the vet and on any testing such as lab work and X-rays. It also covers your pet should they require surgery and any medication. However, since pet insurance is also considered property insurance, you will generally receive a bill from a vet, pay that amount and only then can you submit your claim to the insurance company to be reimbursed.
2. Standard Coverage:
This insurance policy covers all basic exams of your dog or cat (veterinary appointments, check-ups, routine shots) – which costs less than the superior plan. However, these plans do not cover the cost of surgery where you will be expected to pay for a procedure or obtain a partial insurance policy.
Other things to consider:
1. Pet insurance will protect you against high medical bills – accidents often occur with pets, so it’s better to protected.
2. Monthly payments for these insurance policies are generally very small – so you can protect your four-legged friend without feeling a huge financial burden.
3. Coverage can be broad – depending on your needs. Work with a knowledgeable pet insurance agent to devise a personal plan for you and your animal.
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