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Ask a pet insurance question...
... and receive an answer from a pet insurance expert!
Recently asked pet insurance questions:
Some pet insurance companies offer premiums that vary by state based upon loss (or claims) history from certain geographies. This is similar to how rates sometimes vary based upon the age or the breed of the pet you’d like to insure. A veterinaria...
Pet insurance is there to safeguard you against vet bills for accidents and illnesses. While puppies might be more accident prone, it’s not unheard of for something to happen to an older pet. If your older pet has been generally healthy all his or...
Pet insurance works as indemnity insurance, which is a fancy way of saying that the pet owner must front the cost of the veterinary bill. After doing so, the pet owner must submit the bill and necessary paperwork, such as claim forms, to the pet i...
Insurance is purchased for future unknown medical events. If pre-existing conditions were covered, everyone would simply wait until there was a medical need they could not afford. It would be similar to waiting until you have an accident to buy a...
Actually, most claims for pets are small, in the $250-$500 range. Everyday medical problems and accidents, such as sprains, ear infections, and GI upsets cause a lot of frequent, but not too costly, expenses. Even with a $100 deductible, for exa...
Veterinary costs are rising and will continue to rise, driven by the fact that vet clinics are aligning their fees with the real costs of offering services and also offering considerably more medical options to their clients. It’s been shown that...
Accident-only plans are inexpensive plans for pet owners who are just looking for emergency protection from an unforeseen or unintended accident but do not want coverage for routine wellness or illness. Understand, illness claims account for appr...
Senior dogs have a different set of risks than your typical puppy. While a 13-year-old Lab may still like eating your socks, chances are his curiosity has dissipated following the second foreign body removal surgery. Like older humans, older dog...
Senior coverage would depend on what age a dog is considered to be senior. Most companies consider a dog over the age of 8 to be a senior (6 for select breeds). Some senior health problems include heart disease, stroke, seizures, and cancer. With...
Getting health insurance for a senior dog is a very good idea because senior animals are more prone to a large variety of illnesses due simply to their age, much like humans, in addition to the normal medical problems that a pet of any age can exp...
It’s a smart idea for cat owners to purchase pet insurance for several reasons.
Peace of mind: I’ve heard actual VPI Pet Insurance policyholders tell me that having their cat insured gives them peace of mind. This calming reassurance stems from...
The cancer rider is an add-on to a plan, such as VPI's Standard or Superior base medical plan, that “beefs up” the already existing cancer-related benefit allowances associated with each medical plan. Basically, the rider adds additional dollars i...
Obviously, you need to pay for pet insurance premiums, just like any other policy. You also need to be able to pay for vet services upfront, and be (partially) reimbursed later.
There are exclusions, depending on the plan, such as older pets, so...
Most plans include basic medical plan coverage, which helps with diagnostic tests, treatments, office visits, lab fees, prescriptions, hospitalization, X rays, and surgical procedures.
Pet insurance is not at all like people insurance: Typicall...
In the past, most interactions with pet insurance companies were time consuming and frustrating. It seemed that they worked hard to find ways to avoid paying claim reimbursements. Today, things certainly are not perfect, but they have improved s...
Here are some things to consider when thinking about pet insurance.
1. What are your financial resources? If an emergency illness or accident occurred could you pay for your dog's recovery?
2. Are you inclined to take the "do-everything-poss...
Insurance is primarily for two things: the unexpected and the expensive. Too often I see clients confronted with the dilemma of whether or not they can afford a specialist for a serious and unexpected medical condition. If only they had insurance...
Disclaimer:
This information is provided for general information and educational purposes only and is subject to change without notice. You should contact each Insurance provider for the latest information, availability of products and services and confirm all terms and conditions that apply before making a purchase decision. Except as expressly stated by Dogtime.com, no affiliation, endorsement or sponsorship of third party products and services is intended or implied.
This information is provided for general information and educational purposes only and is subject to change without notice. You should contact each Insurance provider for the latest information, availability of products and services and confirm all terms and conditions that apply before making a purchase decision. Except as expressly stated by Dogtime.com, no affiliation, endorsement or sponsorship of third party products and services is intended or implied.
