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Pet Health Insurance

March 22, 2010  |  Difficulty: Easy

While pet insurance is very popular service in Europe, only about 1% of all pet owners in America have purchased pet insurance to protect their pet’s health.  

People just don’t think about their pets the same way, but pet health insurance is just like human health insurance.  It protects you from the costs of accidents, serious injuries and illnesses as well as all the treatments that may be involved.  Many pet owners fall into two categories when it comes to accident, injury or illness to their pet.  Either they can and will pay any amount to save their pet’s life or they would put their pet to sleep at the first sign of illness or injury.  Which type are you? Probably, like most people, you fall somewhere in between, so it would highly benefit your pet and you to learn about pet health insurance.  It can save you a lot of money and it can definitely give you a great deal of peace of mind when it comes to protecting your pet’s life.

You must always examine the fine print of any pet health insurance policy you are considering because each has different inclusions, exclusions, restrictions and limitations.  Here is a checklist to use to make sure you get all the answers you need to make an informed choice. Check each one off as you write down the answers to a few different pet insurance companies, then you can compare easily.
  • Annual premium and deductible amounts.
  • Choices of service provided for deductible and premium amounts.
  • Accident and illness coverage versus coverage that covers routine care, vaccinations and check-ups.
  • Special rates for adding new pets to the policy.
  • Rates depending on age, species, breed, lifestyle, size, and pre-existing conditions.
  • Types of pets covered.

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