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What Is Pet Insurance And How Does It Work?
By Colleen Mihelich - Peternity
Pets have become more and more like family members to most Americans. Many Americans allow their pets to sleep on their bed, and buy their pets Christmas presents. When pets die, we react as we do for human family members - we erect memorials, purchase grave markers, or cremate our pets and keep their ashes in urns. Since pets have become so central to the American family, more and more people are spending large sums of money on expensive medical treatments to keep pets alive for as long as possible. Those who can’t bear to cope with the grief of losing a spend hundreds, if not thousands, of dollars on chemotherapy, surgery and medication for their canine feline and equine companions.


In order to both offset the risk to owners’ pocketbooks, and make expensive care available to a wider selection of the population, insurance companies have created a thriving insurance market. Buyers of insurance can purchase insurance at any stage of their pet’s life, and pay a premium based on the age of the pet. Obviously, insurance for a puppy is less costly than insurance for an older canine.

Pet insurance is not intended to cover routine costs, like annual vaccines, de-worming and heartworm or flea medications. While some insurance companies do offer policies that cover this routine medical care, often only a portion of such care is covered. Furthermore, the cost of these comprehensive

policies is higher than the cost of policies without coverage for preventative care. When looking into insurance companies you will want to decide whether you will assume these basic costs yourself, or whether you would prefer to pay a higher insurance premium to have basic coverage.

Once you have purchased a policy, insurance is very simple to use. Unlike most regular health insurance, insurance does not pay the cost upfront - you are required to take your to the vet and pay for whatever care the animal receives. Some insurance companies require you to take your to an approved vet, or a vet on a list of vets that they work with. Other companies allow you to take your to any vet that you chose.

After you have paid for medical care for your pets, you submit your receipts and vet bills to your insurance carrier. There is generally a deductible for most types of procedures; the deductible varies depending on the procedure. You will be given information about the deductibles prior to signing up for the insurance plan, so you will be aware of the amount of the cost that you have to cover. The insurance company will reimburse you for the remainder of the cost, up to the policy limits for that particular type of care.

Pet insurance can be a very useful thing to have. Otherwise, when your is struck with an expensive illness, you may be left with a difficult choice.
Colleen Mihelich
Owner, Peternity . . . honoring your pet for eternity.
www.peternity.com
colleen@peternity.com
or colleenmihelich@gmail.com 877-PET-PEACE

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