Pet Health Insurance

Pet Health Insurance
by Takara Alexis

For most of us, going without health insurance is unimaginable. We wouldn't even think about risking our families' well being without it. So, why not protect other family members-our pets?

Pet health insurance policies are pretty much like human health insurance policies, protecting against illnesses, accidents and emergencies. They offer various plans based on desired coverage. Premiums can be paid each month, some as low as $20 a month. Benefit limits, deductibles, and the amount of coverage will vary based on the policy premium you decide on.

Many policies include coverage for medical treatments such as lab fees, x-rays, pet medications, and surgeries. More exclusive policies cover a bigger range of average services such as physical exams, teeth cleaning, vaccinations, spay/neuter surgeries, and more.

Unlike your HMO, pet health insurance differs from your common human health insurance in its simplicity. You see a licensed veterinarian of your choice. His or her veterinary staff fills out the proper insurance form. You then pay for service at the time of your visit (no-co pays). Soon after, you are reimbursed by your insurance provider.

There are a couple of things to consider when choosing the best pet insurance plan. Just like with various other insurance products, all insurers aren't created equal. In addition to affordability it's important to choose a quality company that will be around to provide the promised coverage should an emergency arise.

When the price of care gets too expensive all too often the choice is euthanasia. Thanks to the affordability that pet health insurance allows, it no longer has to be that way. For those insured who aren't forced to make that choice, it's well worth it. After all, if something were to happen to your cat or dog, it is nice to be secure in the knowledge that you have provided the best of care, not having based your decision on how much you would have to spend.