Pet Health Insurance - Myths and Facts

Pet Health Insurance is a very confusing topic for most pet owners. So much so that most people just don't do anything about it. But the importance of having your pet covered could end up being the difference between life and death. Take a few moments to look over the myths and facts laid out in this page.

______________________________________________

Myth: All pet health insurance companies work exactly the same as HMO's.

Fact: Not true! There are major companies with the following benefits:

- Choosing the licensed veterinarian you want to use.
- Payments at time of service or co-payments.
- The option to file a reimbursement claim instead of using a medical card and number.
______________________________________________

Myth: Filing a claim is too complicated.

Fact: Actually, companies make it quite simple.

In most cases, you can download claim forms from the insurance company's website.

Arndt from Phoenix, Arizona said that his claim was "processed faster than anything [he had] ever seen!"

Dale from Rowlett, Texas, and Falter from San Diego, California, also said that their claims took only a couple of days to process and that their companies were "prompt, efficient, and very courteous as well!"
______________________________________________

Myth: It's better to wait until after I consult with my family to buy pet insurance.

Fact: You can get your money back.

Check with your chosen provider first. If you change your mind before the provider's set time limit, your premium could be refunded.

We recommend protecting your pet right away in case something happens. Should an unexpected event land your pet in the hospital, your peace of mind is ensured.
______________________________________________

Myth: Pet insurance is more expensive than health insurance.

Fact: Pet insurance is much less expensive than human insurance.

Pet insurance plans start as low as $15 a month. The right coverage could end up saving you thousands of dollars in unexpected veterinary bills. Cheap pet insurance is a realistic option.
______________________________________________

Myth: My pet is too young for pet insurance.

Fact: If you wait too long to get insurance, your pet might be too old to qualify.

It is best to enroll before symptoms of a pre-existing condition or illness occur, to make sure your pet is going to be covered for anything he/she might need. Enrolling your pet early can also mean locking in your rate until they reach maturity.

Dogs and cats older than 10 years are sometimes ineligible for enrollment (check with your provider for details). Like newborns, young pets can be fragile and curious, putting them at high risk for accidents.
______________________________________________

Myth: Indoor pets don't need insurance.

Fact: A lot of accidents occur inside the home.

Even if you could watch your pet 24 hours a day, there is still the risk of hereditary diseases or dental problems.

As with your own health, it is always best to get regular check-ups. Detecting critical health issues early improves your chances of recovery.
______________________________________________

Myth: I'll just save my money now instead of paying for insurance.

Fact: There is no guarantee that what you save will cover all the costs of a future illness, accident, or surgery.

Saving your money in the event of a possible pet emergency is a smart idea if you have the discipline to really follow through with it.

What if there's an emergency in your pet's immediate future and you haven't had the chance to set enough money aside?
______________________________________________

Myth: It's too expensive to insure all my pets.

Fact: Some companies offer a multiple pet discount.

All too often, pet owners wait until one of their pets has a serious illness before insuring for all of them.
______________________________________________

Myth: Pet insurance is only for dogs and cats.

Fact: Pet insurance companies can accommodate practically any pet owner.

Pet insurance can also cover birds, guinea pigs, and exotic animals. It's simply a matter of finding the best pet insurance for you and your pet.
______________________________________________

Myth: I need a credit card to enroll.

Fact: There are several other payment options.

Debit cards and checks are accepted. Providers (like VPI pet insurance, for example) also offer monthly payment options to make it as easy as possible for you.
______________________________________________

Please visit: www.Pet-Insurance-Information.com to view a comparison of four of the top Pet Insurance plans - you can also receive complimentary quotes from each one!