A responsible pet owner is someone who not only gives special care to the animal. It now has become a requirement for the pets to also receive the right stimulation, exercise, activity levels, environment, health care and nutrition.

Those that want to become true pets owners should realize that the hobby will not be cheap and require a huge amount of time to be good at. Veterinary bills eat up a major part of a pet owner’s budget and will be added up with unexpected costs such as renting boarding kennels or hiring pet sitters.

Given the wide selection of pet insurance available in the market, customers should be very careful studying the terms and policies offered by each company. Below is data about some well-established and popular pet insurance companies to help consumers compare and determine what is best suited for the.

Endsleigh

- Features three level of pet insurance coverage that can be suited to the needs of the pet.

- Bronze policy will cover up to £1,000, while the Silver and Gold policies go as high as £3,000 and £5,000 respectively.

- Some illnesses could cause discomfort for the dog for life. Compared to other insurance companies, Endsleigh covers the dog for continuous claims up until the policy limit.

The Endsleigh Pet Health Insurance also covers pets that pass away because of injury or sickness. Dog owners can also reimburse a part of the pet’s original retail price if it is lost or stolen.

However, pet owners that have dogs aged 9 and above cannot qualify for the benefit.


Tesco Pet Insurance

- Compared to other providers of pet health care insurance Tesco provides coverage for old dogs and even those over eight years old. Old dogs can have insurance for the rest of its lifetime.

- Vet fees are automatically included and Tesco has advice lines that can be contacted anytime of the day.

- Compared to other pet health care insurer Tesco only requires a one-off, straightforward excess fee. Hidden charges are guaranteed non existent. Pet owners will also be aided by Direct Debit in budgeting costs.

Most breeds of dogs are covered.


Direct Line

Direct Line currently serves over 5 million clients in the UK and has a wide portfolio of insurance products that is comparatively larger than most of its rivals. Services can be purchased through the phone or online. Direct Line also provides services to other countries such as Germany, Spain and Italy. Direct Line’s success in the financial sector can be attributed to its outstanding line of services and products, competitive prices, a dependable customer service team and a motivated workforce.



However, those considered high-risk such as working animals and dangerous dogs are will be accepted due, as they have a significant of getting sick or hurt. In addition, Direct Line requires the animal to be satisfactory physical condition during the starting date of the policy..


Essential policy:


Direct Line’s essential pet insurance policy covers vet's fees for a max of a 12-month treatment for each injury, illness or disease, as much as £4,000 for every condition. Claims are high compared to other policies.

Advanced policy:

Under Direct Line pet insurance advanced policy, vet’s fees are covered as high as £6,000 per each condition. No time restriction on reaching the amount compare to the offering of other pet insurance companies.

Getting insurance for our beloved pets is one way of expressing our love for them.

However, choosing the right pet insurance can be daunting given the huge selection of pet insurance available in the market. A pet owner needs to carefully study the background of the insurance company and policies offered before making a final selection. Aspiring pet owners should know that the hobby is not cheap and would require a huge amount of their time.

Money will mostly be spent specially on vet bills and be compounded by unexpected costs such as the use of boarding kennels if the animal is admitted to a hospital or the master cannot attend to his pet while under treatment.

New surveys reveal that 75% of pet owners were forced to make unplanned vet visits in the past two years. Risking a pet’s health to chance is not a very wise thing to do as chances are, your pet will become sick sooner or later.

Pet owners become very surprised when they are charged with a very expensive veterinary bill. Medical costs for a dog with a heart problem can go as high as £1,000 or a cat with a broken arm will set owners back as much as £300.

A pet owner should study the requirements before choosing a particular insurance policy. Many pet health insurance companies provide different policies that emphasize on the pet’s age and type.

Animals categorized as high risk are those over the age of 8 so it is better to purchase to pet insurance while the animal is still young. Getting pet insurance this early on increases chances that your pet will be insured and properly taken care off for the rest of its life. Consider this, pets that have a lingering illness have a very small chance of getting insured.

A number of insurance companies even have special policies for pets whenever they get stolen or lost. Pet owners could claim how much they spent on advertising for a lost pet. In addition, they could recover a portion of their pet’s original price when it cannot be found anymore.

CHURCHILL PET INSURANCE

Churchill Insurance was founded in 1989 and is regarded as one of the top direct auto insurers in the UK. Churchill started to Home Insurance in 1990 and expanded its services over years. The company now offers Car Insurance, Travel Insurance, Home Insurance, Breakdown Cover, Van Insurance, Pet Insurance, and Motorcycle Insurance.



Churchill is based in the UK all of its call centres are located in the UK.

Churchill Pet Insurance’s insurance offerings

- Customers that apply for pet insurance online will avail of a 5% discount.

- Veterinary fees reaching as high as £3,000 can be covered. Can be applied to one condition per year from the start of the policy. Complementary treatment can go as high as £1,000

- Pet owners can claim as much as £1,000 for costs to advertise for a lost animal.

- Churchill offer coverage of as high as £500 for pets’ death resulting from an illness or accident.

- Churchill can cover costs for the use of an emergency kennel or cattery fees if the pet owner needs to be admitted to a hospital.

- Monthly payments from Churchill do not include any excess or hidden charges.

Choosing cheap pet insurance is not a viable option for pet owners, said veterinarians who responded to a new study by MORE TH>N. The proliferation of cheap pet insurance has become a concern for over 90% of vets across the UK, as these only offer coverage in short period time. The length heightens chances that customers are paying more for less.

While the offerings of budget insurers are affordable, these only provide extremely limited coverage and not likely the expenses in treating a pet that develops an ongoing condition that might requires years of continuous medical attention. Such conditions include epilepsy, heart problems, skin conditions, arthritis and diabetes.

Cheap pet insurance becomes practical only for young dogs. However, an older dog’s high risk of developing an illness or encountering an illness must be considered when selecting the appropriate pet insurance policy.

Pet owners nowadays are having a hard time gaining a deal with an insurance company due to the various conditions they apply. Advances in animal medical science has helped prolong the lifespan of pets. 

However, many insurers are refusing the cover high-risk pet especially those over the age of eight. The situation has results in thousands of pet owners across the UK without insurance for their beloved household companion.

Those without pet insurance will likely be burdened with costly veterinary bills in the even that something goes wrong. The fact that the lifespan of dogs has become longer shows that insurance companies have no excuse of restricting their offering to young dogs, said MORE TH>N head of product Graham Hollebon. Older dogs will likely suffer illnesses, which are normally very expensive and lengthy to take care of.

Pet owners should select an insurance policy that does not restrict treatment to the first year before the pet requires any long-term care. Various studies show that over 95% of vets insist that pet insurance is a must for pet owners in order for them not to be showered with huge bills in the event that their pet becomes sick or needs continuous medical care, added Mr Hollebon.

Why Go Cheap?

Face it, cheap is cheap. Many insurance companies out there are trying to con consumers by telling that they have the best rates because they have lowest available in the market. Why risk the health of your beloved to the hands of cheap pet insurers that offer nothing but limited coverage and lame policies.

Acquiring pet insurance will be expensive at first but this beats paying off veterinary bills. Vet bills will become more daunting especially if they pile up in the future. 

Pet owners should consider several requirements before choosing the services of an insurance company. Most insurance firms offer different policies that greatly emphasize on the type pet and it age. 

For example, an insurance for a pedigree will be more expensive compared to a mongrel, and insuring a cat will be more expensive than insuring a dog. A basic pet health insurance policy normally covers veterinary bills and minor surgeries. 

Comprehensive plans are more flexible, as some even pay for the charges of a pet psychologist or costs of calling off a paid vacation in the last minute if the animal needs treatment. 

Petplan is one of the most well-established and respected pet insurance companies in Canada. No pet owner will plan on allowing the animal to become sick or hurt in an accident. However, Petplan will give pet owners a way to not worry about unplanned medical bills.

Insuring a pet in Canada is a not a common practice unlike in the UK and Sweden. In today’s world, being a responsible pet owner is not just by loving the animal but also providing the right exercise, stimulation, environment, activity levels, health care and nutrition for your pet. Canada’s Petplan has the best intentions when it is about saving up for emergencies. Petplan has the so-called Cover for Life plans for cats and dogs, which serve as unlimited emergency funds.

Purchasing health insurance is one way of controlling and budgeting expenses and keeping your pet healthy. Petplan will give monthly updates in order for the pet owner to be always prepared for an emergency.

Choosing a pet

Never buy on impulse and give yourself an ample amount of time before deciding to get a pet. A pet is a lifetime commitment and will highly depend on its master for all of its needs.

Dogs can live for as long as anywhere from ten to fifteen years or even more and a puppy is a living creature you cannot be expose to a trial period. Be prepared to make an obligation to the well being and care of your pet from its young age to old age. 

Managing Difficult Decisions

Many pets across Canada have life-threatening diseases that are not treated properly, as their owners do not want to bear the costs. Pet insurance will enable the pet owner to give the best possible care to their beloved household companion. Petplan guarantees that it will cover pets that have illnesses developed before the insurance was purchased. Pets will be covered for any conditions that come up before they are enrolled or after the waiting period. 

Aspiring pet owners normally choose a breed of a dog or cat that will fit with their lifestyle. However, they usually forget to budget for the common medical problems and illnesses associated with the pet’s breed. Accidents will also come into play during a pet lifetime and these include eating foreign objects, fighting with other pets and ear infections.

Background of Petplan

Petplan is Canada's oldest and largest pet health insurance company and has been operating since 1989 with over $53 million paid in claims. Petplan is the leader in the Canadian pet health insurance industry boasting of new plans and coverage. A pet’s life is easier and enjoyable if insured under Petplan. Rates start at $11.95 monthly for dogs and $9.95 for cats. 

Petplan understands the demands of every pet owner in Canada given its maturity and experience in the business. The company continually interacts with its industry affiliates, veterinary professionals and most importantly pet owners. Communication helps the company shape and customizes its policies that are appropriate for evolving needs and lifestyles.

Petplan’s partner companies include Novartis, Iams., PetLynx and associations like Canadian Federation of Humane Societies (CFHS), the Canadian Kennel Club (CKC), and the Canadian Cat Association (CCA).

As business partners in the pet health community, the groups have been able to advance their common goal, which is to give a pet a healthy and long life.

Pet owners know the importance of ensuring that the animals enjoy the best available treatment in situations they become or injured. Veterinary fees can be very costly, with as much as £750 could be spent on treating a cat or dog injured in a road accident. 

In the UK, a normal visit to a vet currently costs £200 on more average, while animals that need to undergo a complex treatment might result to an eye-popping bill of £4,000.

A lot of time and money will be spent in taking care of a pet. In addition, the pet owner should consider various related items such as food, vaccinations and property damage. 

Studies show that almost 75% of pet owners were forced to make unscheduled veterinary visits over the last two years. Treatment for a dog with a heart ailment can cost up to £1,000, while treating a cat with a broken leg can go for as much as £300. This is where a pet insurance plan becomes handy, as it will help the owner save on such costs.

Purchasing a pet insurance plan is expensive at first but this will be a more practical move than paying off vet fees in full. The continued evolution of science has resulted in the creation of many treatments that help prolong the life of a pet. Like any other application, a pet insurance plan has requirements that should be considered by the owner. 

Many insurance companies have various policies depending on the pet’s type and age. A pet insurance plan for a mongrel will be cheaper than something suited for a pedigree. A typical pet insurance plan normally covers vet bills and minor surgeries. However, a comprehensive pet insurance plan has more flexible coverage like paying for the services of a pet psychologist or fees to cancel a vacation.

Nearly all types of pet insurance plan feature liability coverage. Under liability coverage, the pet owner will be insured if the animal inflicts bodily harm to another person or causes damage to property. The insurance company will normally tell the pet owner to wait around two weeks before claiming the policy and or even make an excess payment.  

A pet insurance plan will also greatly consider the age of a pet. Unfortunately,  many insurers avoid covering high-risk animals particularly those over 8 years old. 

Older pets need continuous medical care and monitoring. Pets should be insured while they are still young to increase chances that they will be properly taken care off for life especially if they develop an illness or become injured.

Cats have been favourite pets of people for many centuries and just like any important asset they need to be insured. However, the endless options of cat health insurance available require the pet owner to analyze carefully before purchasing one. Those that want to be a cat owner should know that the hobby would call for lots of time and money.

Veterinary bills will likely make up most of the spending for cats, outside of grooming and food. However, this can be compounded by unexpected costs like the use of boarding kennels if the pet owner is hospitalized cannot attend to the cat while being treated.

New studies have discovered that one out of three pet owners were forced to make unscheduled visits with animal doctors over the past two years. Betting the health of your cat to chance is not a wise decision.

Pet owners become surprised when they get hold of their veterinary bills. Treating a dog with a heart ailment can cost as much as £1,000, while treating a cat with a broken leg can cost as high as £300.

Spending For Cats Rockets

Various in the UK have discovered a sharp increase in the spending of cat owners for their beloved pets. The average cat owner exhausts an average of £476 annually. Expenses include food, bedding, toys and most of important of all veterinary bills. In total, costs for taking of a cat reach as high as £4bn every year.

Recent trends reveal a sharp rise in pet owners buying insurance for their cats to cover cattery costs, veterinary bills and the expenses to advertise for a lost pet. Insuring a cat for year costs £865 on average and this will give pet owners confidence about the condition of their much-adored feline companies.

Hardcore pet owners even go as far as treating their cats with gifts or shower them with a numerous presents during Christmas. Women are the ones most likely to give gifts to their pets and around 50% purchase a stocking full of gifts.

If your cat becomes sick, providing the best care immediately without being bothered by costs will be a priority.  Choosing a Healthy Pets’ cat insurance will give you the peace of mind of having a pet insurance company that is very dependable.

One out of three pets require veterinary treatment annually, so pet insurance is an important consideration. When the cat encounters an illness, Healthy Pets will be there to help give the best treatment available.

Terms of Healthy Pets cat insurance

- Customers will only pay the pet insurance premium quote supplied by Healthy Pets. The Insurance Premium Tax is included and monthly direct debiting if free of charge.

- Claims for car insurance are settled fairly and promptly.

- No premium penalties will be charged for the succeeding year’s coverage if the pet owner needs to make a claim on his insurance.

- Healthy Pets’ business is only limited to pet insurance. The company will not offer pet owners car, home or life insurance.

- Premiums are very competitive and coves most types of breeds.

Healthy Pets is the logical choice if a pet owner is looking for an insurance company that cares. Given its specialty in animal insurance, Healthy Pets understands taking care of cats and dogs.

Healthy Pets is sanctioned by the Financial Services Authority and is underwritten by AXA Insurance UK Plc.

The Consolidated Omnibus Budget Reconciliation Act
(COBRA), a law created in 1986, gives workers (and
members of their family) who lose their health
insurance benefits the right continue their group
health insurance for a limited period of time under
circumstances such as voluntary or involuntary job
loss, reduction in hours, transition between jobs,
divorce, adoption and death.

Generally, the employee pays up to 102% of the premium
cost for the same policy; this is still usually less
expensive than buying an individual insurance policy.

There are three basic aspects for qualifying for
COBRA: the qualifying event, the insurance plan
coverage and the qualified person.

Each aspect is taken into consideration when applying
for COBRA and you must elect to either apply for COBRA
or waive your rights to COBRA within 14 days after a
qualifying event.

You must also have been in the group insurance plan
during your employment to be eligible. Although there
are exceptions, generally you may continue to pay your
own premiums to keep COBRA coverage intact for up to
18 months.

Companies who have fewer than 20 employees, State or
Federal employers or employee organizations may not
offer COBRA coverage.

Check with your health insurance administrator to see
if you may qualify. You may also have this information
readily available in your group health insurance
policy or in your company handbook.

Although it may be expensive, the cost of being able
to keep your group insurance coverage rate may be well
worth it.