If pets are part of your family, you schedule regular veterinary visits to ensure the health of your furry friends. Consider additional protective steps you can take during Pet Insurance Month, observed in September.
What is Pet Insurance?
Similar to health insurance for humans, pet insurance helps you pay for the expected and unexpected health care your pet needs. You may choose from a variety of policies.
- Accident – Pay for the treatment of unexpected accidents or injuries like animal bites or poisoning but not illnesses or diseases.
- Accident and Illness – Treat broken bones, ear infections, diabetes, and other accidents, sicknesses, diseases, and pet health changes.
- Routine, Preventative Care or Wellness – Cover annual exams, vaccinations, flea control, and teeth cleaning.
You may also purchase endorsements or riders. They cover specific issues that aren’t included in your regular policy.
Your policy will include limits, too. Choose the annual, lifetime, per condition, or unlimited lifetime limit as you prepare to provide your pet with the best possible care.
Keep in mind that pet insurance includes exclusions based on your pet’s age, breed and hereditary conditions. Your policy could also be denied because of a pre-existing condition, such as a diagnosed illness or disease.
Review your policy carefully to ensure it meets your needs. For example, ensure the policy covers cancer treatment before you schedule the procedure so you’re not surprised by a denied claim after your next vet visit.
How do you use Pet Insurance?
Pet insurance allows you to see the veterinarian of your choice. You’ll pay the veterinarian out-of-pocket and then submit a claim to your pet insurance company. After you pay your deductible and any co-payment, you’ll receive reimbursement as per your policy terms.
How much does Pet Insurance Cost?
Your pet’s age and breed affect your pet insurance costs. Other factors include your location, the type of policy you purchase, the deductible, benefit limit, and reimbursement percentage. Discuss your needs and budget with your insurance agent as you purchase the right coverage for your pet.
Why Would you Purchase Pet Insurance?
Ultrasounds, blood work, dermatology treatment, and other medical and surgical procedures can cost thousands of dollars. With insurance, you can afford the treatment your pet needs. It also allows you to seek medical treatment as soon as possible rather than put off diagnostic or treatment visits. You can and insurance to choose treatment rather than euthanasia for your beloved pet, too.
During Pet Insurance Month, learn how to enhance your pet’s quality of life and give your furry friend the medical treatment it needs and deserves. This valuable product protects your pet and could save its life.
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When you think of insurance, the typical ones come up. Auto insurance, health insurance, homeowners insurance and business insurance. Some people may have even heard of umbrella insurance, flood insurance, farm insurance and so on.
But we want to share with you about some of the more uncommon types of insurance that are out there.
- Cold Feet Insurance. That’s right. If your spouse-to-be happens to get cold feet right before the big day, reimbursement could be in order. However, there are some conditions: The change of heart has to happen a full year before the wedding and the reimbursement will be sent to a third party (such as parents).
- Fantasy Football Insurance. Football lovers all over are excited about this one! FantasyPlayerProtect.com allows fantasy players to insure their teammates.
- Multiple Birth Insurance. Oh boy, a bundle of joy is coming your way! And then you find out you’re having 3 bundles of joy! The insurance will pay out a lump sum to parents who were expecting 1 bundle of joy. The condition is that you did not use a fertility treatment.
- Divorce Insurance. Splitting up assets and debts and adding legal expenses to the mix, divorce can get costly. Divorce insurance will help with a payout in case of divorce.
- Chicken Insurance. Yes, you heard me correct. Pet insurance has been popular for all of the dog and cat lovers for years, but now some insurance companies have included the not-so-common pets such as chickens and mice.
- Kidnapping Insurance. For companies who have overseas employees to people who travel to third world countries, kidnapping insurance is there to help cover the costs associated with kidnapping, including negotiators fees, travel expenses and the ransom itself.
- Drunk Guest Insurance. For everyone who loves to entertain at your home, this one’s for you! The formal name is social host liquor liability coverage and this will provide coverage for an intoxicated guest who destroys property or harms another person. Most homeowners insurance policies have something like this in the policy.
- Infertility Insurance. You really want to have a baby and in-vitro is a viable option. The costs of fertility treatments can be excessive. Infertility Insurance will help you out with your dream, but only if you live in one of the fifteen states that offer this special insurance.
- Golf Insurance. This kind of insurance is popular throughout Asia and Europe.
- Bedbug Insurance. Typical homeowners and renters insurance won’t cover the costs associated with a bedbug infestation, which can add up to the $1,000s. Most bedbug infestations occur during travel, so when you sign up for travel insurance, make sure you have a bedbug rider.
Scurich Insurance Services can help you out with many types of insurance policies. Give us a call today!
Content provided by Transformer Marketing and http://money.msn.com/insurance/10-crazy-insurance-policies-you-didnt-know-existed
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