Many pet owners consider their pets as part the family. One concrete example of expressing this is by giving the animals human names. 



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However, like any family member pets need that extra care to stay healthy and eventually live a happy and enjoyable life. One way of being a responsible pet owner is by purchasing pet insurance. Pet insurance helps a pet owner manage veterinary bills that become costly especially when they pile up.


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Pets can become sick even in the safest of homes. These is no “pet-proofed” home anywhere, as possible hazards can be seen in those are supposedly best protected. Pet owners should always prepare for the unexpected. 

Given the wide selection of pet insurance available in the market, a pet owner should be very careful on making a decision on which companies to choose. Basic pet insurance cover vet bills and simple procedures such as minor surgeries and diagnostic exams. One of the top companies in the US offering pet insurance is VPI Pet Insurance.

Compared to human health insurance, pet insurance will considerably less expensive. Companies normally pay 80% to 90% of a worker’s health insurance.
 
A new US government study discovered that the average premium paid by a small corporations reaches $3,003,31 for every employee. The average worker only contributes only around $400. A VPI pet insurance policy will only cost approximately $1 daily.

VPI Pet Insurance is the oldest and biggest health insurance provider for pets in the US. The company has been in the industry since 1982. VPI is dedicated to make veterinary medicine widely available for all pet owners. 
Those covered by VPI include bids, cats, dogs, exotic pets. VPI’s policies cover over thousands of medical problems and conditions and injury resulting from accidents. VPI Pet Insurance is underwritten by the Veterinary Pet Insurance Company in California and is available in all US states.

Pet owners will have the freedom to secure the best care for their pet with a VPI pet insurance. VPI will free the pet owner from the stress or worrying about how to pay costly veterinary bills. The company features a well organized claims system that is easy to understand. 

Claiming a policy with VPI Pet Insurance is easy. Pet owners only need to:

- Visit a licensed veterinarian or specialist.

- Pay the fees for every visit.

- Request a veterinary staff member to list the pet’s diagnosis.

- The original veterinary invoice must be signed and mailed to VPI.


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VPI will reimburse payments directly made to the veterinarian and the policy will be adjusted. A pet owner will be required to wait 14 days before the policy is approved.

VPI does not have list of preferred veterinarians. All vets will be approved as long as they are duly licensed.

Pet owners that enroll more than one pet will be given a 5-10% discount to help them cope with the extra expenses. VPI pet insurance also offer a monthly payment plan for budget conscious clients.



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A pet owner’s claim will be based on the plan’s benefit schedule. The VPI Standard Plan Benefit and the VPI Superior Plan Schedule are based on the US average of how much vets charge for services. The policy will take care of 90% of the Benefit Schedule allowance for each incident under the plan during every policy period after eligible expenses are deducted.

If you have a pet that is capable of biting then you would probably need something that can cover the expenses which would result from your pet's bite. Basically pet owners would think that their pets are not capable of harming anyone without reason. This is probably true but it is always better to be safe than sorry. With the increasing incidence of insurance claims associated with animal bites it is a good choice to have something that can protect your interest as well as the unlucky victim.

With pet liability insurance you can be assured that there is something that can help you in case any incident happens beyond your control. This is very important especially if your pet comes from a known breed that bites like a dog. This kind of insurance can cover the expenses associated with these types of incidents. This can pay for the treatment of the victim and can also give due compensation when needed.

In case due to unfortunate circumstances the victim died because of the injuries caused by your pet then with liability insurance the compensation can be paid without you worrying about the impact to your finances. These incidents can sometimes cost a huge amount for settlement that without liability insurance most of your assets will be drained out.

Dog bites are the most common cases that have been associated with liability claims however there are other incidents that would also be filed for liability claims. Instances such as your pet scared someone resulting in injuries while fleeing from your pet. There are also others that cause damage to property indirectly but have been proven to be associated to the pet's actions. With these kinds of incidents and the trend of having every incident filed in court you will be able to pay for the claims awarded to the victim without much hassle. This will keep you from losing your assets due to the ruling of the courts.

Having liability insurance for pets can be a life saver for some people. It is the best way to be ready for different circumstances that your pet can be accused of. Your pet is your responsibility and you would always make the greatest effort to keep it from harming anybody but there are times when we cannot control it or may be unaware that it has gone and done something that we dread for.

Pets are known to be a favorite companion of humans. They serve as a family member, best friend, or even just a toy to cuddle with everyday. To be able to do this, pets need to be taken cared of. Having a pet is a big responsibility, because like humans, they need to be in perfect shape to be able to perform their most basic functions.

However, responsibility comes with a price tag. Personal time, as well as the financial aspect of having your pets taken to the veterinarian to undergo basic tests are one of the few reasons why having a pet is a huge responsibility. 

Studies show that majority of veterinarian visits are unscheduled because of emergencies. Doing so creates a feeling of frustration to its owners because of the added expense of these unforeseen instances.  In addition, new government mandated tests for pets are continuously being implemented, which leads to a more expensive health care industry.

Recent changes have revolutionized pet care industry today. Veterinarians now have access to different human diagnostic tools such as magnetic resonance imaging (MRIs) and CT scans. 

Diagnoses made for humans 20 years ago are actually diagnosed in animals today. Given these changes, owner-pet care expenses have increased dramatically. These later on reflects to the increasing pet care insurance acquisitions for the past ten years. 

Pet care insurance helps subsidize pet care expenses through reimbursements on veterinary fees, diagnostic exams and diagnostic procedures. However, similar to human insurance policies, pet care insurance have their exclusions such as the type of pet, breed and age.

Dogs are actually more expensive to look after rather than cats. This is because they tend to be sicker, and visit veterinarians twice than that of cats.  Pure breeds are given higher premium by most pet care insurance companies because of their special needs, rather than cross breeds. 

Also, similar to human insurance policies, the older your pet is, the higher the premium for your pet. It is advised that you get a pet care insurance policy as early as possible.

One needs to do research to get the most applicable pet care insurance to ones own pet. Doing research can lead to cost savings and knowing what is the most comprehensive plan for you and your pet. Here are some tips in choosing a customized pet care insurance:

1)      Compare pet care insurance providers. This would help you find the most cost efficient pet care provider for you.

2)      Set aside an amount for pet care. Setting aside a reasonable amount for healthcare will shield you for unexpected incidents of your pet.

3)      Scout around your area for low cost veterinarians which provide the same services of the more expensive veterinarians. The important thing is the service that you need is done.

4)      It will not hurt if you ask for samples. As with human insurance care, pharmaceutical companies give out free samples to see if their products work. Check with your veterinarian if there are free samples.

5)      Diet. Same with humans, it is less expensive for pets if their weight is considered as healthy, rather than being underweight or overweight.

6)      Carefully review your policies before signing. You need to know the fine print in pet care insurance policies for you to fully understand the inclusion and exclusions of the policy.

When a person owns a pet it is a huge responsibility that they are undertaking. For some people the responsibility is coming from the food they have to purchase, but for others it is going to come from the expensive medical treatment that pets need from time to time. However, to help offset that cost a person should be aware of the positives of having pet insurance.

One positive of having this is that the cost is extremely low for the amount of coverage they get. When comparing the cost of these plans to the plans that a person would be carrying they can notice the difference is going to be extreme in cost. However, the amount of coverage that a person receives is going to be high in relation to the cost.

Another positive that can be found is that some of these coverages are going to pay for almost all of the shots that a pet needs. Keeping a pet up to date on shots is a great way to prevent them from getting sick, but it can also be costly for some people. With some of these coverages they could see that they will pay for most if not all of the shots.

Something else is that these are becoming increasingly popular with veterinary medicine doctors. So rather than having to hunt for days to weeks on end or drive from one end of the planet to the other a person can easily find a doctor that accepts the coverage.

At times a person may be worried about how much of a deductible they need to pay before the coverage picks up. However, with these plans a person can see that the amount they are going to pay is relatively small in comparison to the cost that they pay for themselves.

A person may find that the coverage may offer discounts for keeping up to date on the shots. However, a person needs to determine this before they assume that is going to be the case. If one of these is present though it can help encourage a person to maintain the shots to maintain that discount.

Depending on the plan that a person chooses a they could find that it offers help on paying for the medications that a pet needs. Some of these medications can be rather expensive which could leave a person trying to decide if they wanted to provide them for the pet they love or if they should make them go without. However, if a person picks the proper plan they can afford the medication because of the help in paying for them.

If pet insurance seems frivolous then initially the thought of pet travel insurance can seem ludicrous. But you'd be remiss to think that way, traveling is an invitation for chaotic and unforeseen scenarios, and pets tend not to react very well with these things! If you think you can simply take your pet on vacation every time and not worry about it then perhaps you should read on.

Traveling with your pet is extending the boundaries of your relationship, often in a way that will be new and confusing to your pet. From the safety of your home your pet Chihuahua might know not to chew up your shoes or pee on the floor, but this is hardly the same thing while traveling abroad. Also keep in mind your pet
will be stressed out and will not understand what is happening.

Reasons Why You Need Pet Travel Insurance

First of all you have no idea how your pet will react to a different humidity, different weather, different insects and animals and perhaps even different food. There is a myriad of respiratory and stomach problems these different conditions could cause. The point is that it is quite easy for your pet to be ill, and what happens if you have to seek out a vet while traveling? What if you have to take your pet to the vet once you get back for a vaccination or some sort of treatment? You're already strapped for cash after all of the ordinary vacation expenses.

Secondly, the overwhelming stress your pet is going through can cause it to misbehave. Even if your pet doesn't misbehave, imagine it vomiting or having diarrhea in your hotel room and having to pay damages. This can add up quickly in any number of ways.

The final point I'll make is that there may be occasions where you can't take your pet with you where you're going. Maybe you're taking a specific tour that doesn't allow animals, or planning on eating out at a fancy restaurant. If you need someone to watch over your pet this can be costly to find someone you trust. If you had pet travel insurance you probably could have covered each of these individual problems!

I hope you can see now why it's important to take another look at something you may have originally written off. Pet insurance and pet travel insurance have both been taking off in popularity throughout the last thirty years, and it's because they are both valuable and necessary.

Acquiring a pet is a big responsibility. Financial responsibilities, as well as personal time   are maximized to be able to take care of a pet freely. Registration of the pet to the owner, as well as loads of paperwork are also a part of owning a pet.  One also needs to think about the well-being of his/her pet, such as providing for  food, vaccinations, and the maintenance of the  overall health care of a pet.

Pet owners get pets for different reasons, as aids for blind and deaf people, and therapy for the sick. The most common reason is companionship. Having a pet is a very positive experience to both the pet and the owner.   To provide maximum responsibility for these pets, owners have opted to get pet health insurance.

The owner needs to look at the needs of his pet, and find a health insurance that is fit for the demands of his pet. Breeding, type of pet, and age are the usual considerations in looking for a pet health insurance. 

Studies conducted in the past two years revealed that 75% of pet owners were forced to make unscheduled appointments with their veterinarians. What’s more disturbing is the fact that most of these pet owners did have pet health insurance and they were forced to bear the burden of costly medical bills. Unlike in UK and most of Europe, pet insurance is rare in the US, as most pet owners are wary of the possible costs. 

A basic pet health insurance policy consists of primary veterinary services while an upgraded policy includes pet psychologists or provisions on major surgeries, for example. 

More comprehensive policies even cover charges of a pet psychologist or cancellations fees for a paid vacation if the pet needs immediate medical care.  One just needs to coordinate with the insurance company to customize the policy on the needs of one’s pet. However, almost all insurance companies have a policy on liability. This will cover incidents as ones pet biting another person. 

The American Kennel Club (AKC) has partnered with PET Partners, Inc. which led to the  design of a health insurance dedicated to pet health care. The AKC Health insurance is a plan designed to provide services for pets, regardless of breed. It is a plan to help out pet owners regarding veterinary expenses and basic tests related to the welfare of ones pet.

AKC Health Insurance FYI

In AKC Health Insurance, the owner must get the policy before the pet reaches nine years of age. The coverage can be maintained provided that that the policy is continuously renewed. 

Also, one good thing about the AKC Health Insurance is that age is not a consideration when premium’s change.  The premiums to be paid are also the same regardless of the breed of the pet.  Moreover, the state where the owner lives and the breed of the pet are not considerations in AKC Health Insurance.

Like any other health insurance companies,  there are exclusions. The AKC Health Insurance has the following restrictions in their policies:

- Congenital problems

- Any illness acquired by the pet before or within 30 days from inception of the insurance

- Chronic kidney failure

- Spondylosis

- Congenital shunts

- Stenoic nares

- Soft palate resection

- H emophilia

- Von Willebrands’ disease

The AKC Health insurance is underwritten by the National Specialty Insurance Company.