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| Thursday, October 9, 2008 |
| What You Need To Know About ASPCA Pet Insurance |
Pet health insurance companies aren’t just advertising in pet magazines anymore. Just yesterday, this writer turned over the receipt from the local supermarket – to find an advertisement and coupon for ASPCA pet insurance! As my family includes both a cat and a dog, and I am now employed in the wonderfully wacky word of freelance writing, I have been seriously thinking of getting pet insurance.
When Did The ASPCA Go Into The Insurance Biz?
The ASPCA is the Yankee version of the older RSPCA (Royal Society for the Prevention of Cruelty to Animals) of England. Both societies work for the same goal – to lessen the pain and suffering of animals worldwide. In America alone, millions of dogs and cats wind up in animal shelters because their owners no longer wanted them. In America alone, 50% of dogs and 70% of cats that wind up in shelters have to be put to sleep because they were not adopted in the specified time frame for adoption. Although England is leading the world with no-kill shelters, taking animals from irresponsible hands will not solve the problem.
One of the reasons people abandon their pets is that they cannot afford the vet bills when an injury or sudden illness occurred. In the late 1990’s, I adopted a lovely show specimen Peruvian guinea pig who had been mysteriously abandoned. Within two days I knew why – the guinea pig had an inner ear disease. If the original owners had ASPCA pet insurance, they may have been able to afford to keep such a sweet piggy.
So, the ASPCA pet insurance plan was born.
Details, Details
The ASPCA pet insurance plan offers financial help for animals going through illness, recovering from an accident and even helps cover routine care such as annual vaccinations. You can apply online or over the phone at 1-866-861-9092.
You do not need to go to a specific vet to use ASPCA pet insurance. You can download a claim form online, print it out and have you and your vet fill it out. Then, you mail it to the ASPCA pet insurance address. They try to get all claims filled out in fifteen business days.
There are several ways you can pay – monthly, quarterly and annually. There are more fees added if you pay monthly, however. You can pay by credit card or automatic check withdrawal.
ASPCA pet insurance does not cover pre-existing health conditions prior to buying the policy. They also do not cover organ-transplant operations. |
posted by Patty @ 9:23 AM  |
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| What Your Pets Need To Know About ASDA Pet Insurance |
You know it wasn’t your idea to get the big bag of squeaky toys. But somehow you bought yet another big bag of squeaky toys for your pet. Could it be that your pet sometimes controls your mind? Yes, but only in a nice way. When your pet is happy, it makes you happy, doesn’t it? So, when your pet convinces you to buy stuff, your pet really has your happiness in mind. Your pet most likely hates the vet. So your pet is probably controlling your mind to get pet health insurance. If you live in the United Kingdom, then most likely your pet is getting you to think about ASDA pet insurance.
A Small Domestic Animal
You can’t even live under a rock in Britain without being aware of ASDA. It is the English name of the infamous Wal-Mart chain in America. Your pet might think ASDA stands for A Small Domestic Animal. That may be why ASDA supplies not only the proper food, toys, medical supplies and training tools for your pet, but ASDA pet insurance, too.
Some Details
ASDA pet insurance will insure dogs and cats from 2 months to eight years old, in order to keep the overall premiums low. ASDA pet insurance covers not only injury or health problems with your pet (they do have exclusions for pre-existing conditions). ADSA pet insurance also includes X-rays, routine inoculations, medication, most surgeries and even just going in to the vet for a check up. There is a Basic and Premium ASDA pet insurance to choose from that covers medical issues.
You can enroll and make claims online. There usually is a discount for enrolling online, but check with your local ASDA store or website for details.
Every Little Helps
As ASDA’s infamous slogan says, “Every little helps”. There are options and extras if your pet thinks you need them. You can opt to get pet travel insurance, pet liability insurance, and recouping kennel fees or the cost of advertising for your pet incase the pet ever gets lost or stolen.
And you needn’t change your vet in order to be covered with ASDA pet insurance. You download the claims forms off of your computer – or call ASDA and they will mail the forms to you. You and your vet fills the forms out and then mail them to ASDA pet insurance.
ASDA pet insurance is underwritten by Alliance Insurance of the UK, so your pet knows that they will still be around for at least until your pet in nine years old. |
| posted by Patty @ 9:23 AM |
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| Wednesday, May 14, 2008 |
| When Things Get Financial, Insurance Pet Reports Help |
Your pet is your best friend. But all friendships go out the window when pressures get financial. Insurance, pet reports can help take the monetary worries from your friendship. You can choose whether you want health insurance. Your best friend cannot. The financial insurance pet report looks good about the business staying around once you buy a policy. But if you are not sure, here’s where you can go to check up on your prospective pet health insurance plan.
Gather Together
Know the name of your pet insurance company or the name of the insurance company that underwrites it. Many financial insurance pet reports will only list by name of the company, not by category of insurance. With this knowledge, cruise on over to A.M. Best’s website, which is the standards setter for the insurance and banking industries.
You will have to sign up to get their rating report, but it is free.
How To Read A Rating
If you remember the days when you brought your report card home from school, then you already know how to read a financial insurance pet report from A.M. Best. A+ is obviously the best of the best, with gradually slivers off their excellence standards all the way down to C. If your company is not rated, that means it failed.
The ratings are most geared to the financial. Insurance pet reports from A. M. Best focus on how financially strong a company is. An A+ means the company has every intention of being able to stick around for the life of your pet. But even a C rating means that A.M. Best thinks the company will pay up on any proven claims made in the next couple of years.
In 2006, Americans spent over $230 million on pet insurance according to Consumer Reports. The insurance companies have a huge reason to stick around until the planet explodes – the reason is purely financial. “Insurance pet” reports are a hot search term on internet search engines.
Why Is Pet Insurance So Hot?
Many people have to get pet insurance today because the costs of everything are orbiting higher above us than the Space Station. Until prices lower, there is no practical alternative to do the best you can for your pet but get pet health insurance. Even if you cannot afford pet health insurance because your animal is too old or of a certain breed, put at least twenty dollars a month aside in a special locked box if you have to in case tragedy strikes. Perhaps the most hopeful financial insurance, pet report that can be given is that if you can put aside twenty dollars a month aside for your pet, you might wind up being your best insurance company. |
| posted by Patty @ 3:53 AM |
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| Older Pet Insurance: When Most Pets Need Insurance The Most |
When searching for pet insurance for your best friend, it can sometimes be hard to find a company if your pet is older. Older pets require more veterinary care, on average, and some companies don’t want to carry the risk. However, there are companies that specialize in older pet insurance. These companies know that even older pets need love and care and they are willing to provide the help you and your pet need. The premiums you pay for older pet insurance may be a little more than you’d find with normal pet insurance, but the cost is well worth it. You always want to have your pet covered in case the unthinkable happens. They can get sick, have limbs broken, or worse, and therefore, you want to make sure they’re covered by insurance, no matter how old they are.
Veterinary Care Is Expensive
As your pet ages, the likelihood that they’re need veterinary care increases. They could get sick, they could get heartworm or some other form of parasite, they could have legs broken, they could get hurt by other animals, or anything else. When that time comes, and you need to take them to the vet, you want to make sure they’re covered. No pet owner wants to hear that their pet requires thousands of dollars worth of vet care that they don’t have. That’s when some pet owners are faced with the possibility of either letting their pet live with their disability or having them put down. Having a pet put down is not a fun thought and it’s one of the worst thoughts for anyone who loves their pet. Therefore, no matter how old your pet is, you should have pet insurance to prevent any of these subjects from even coming up.
With older pet insurance, no matter what happens, you’ll be covered. Older pet insurance covers your pet for vet visits, surgery, medications, bone settings and more. That means that you’ll likely end up paying only a fraction of what you would pay if you weren’t covered. That’s good news for any pet owner, especially those on a fixed budget. Your pet has provided you with love and affection for many years. You should return that love and affection by providing your pet with older pet insurance. Ask your vet’s office if they recommend any companies that offer older pet insurance. Then, if the unthinkable does happen, you’ll have the peace of mind in knowing your older pet is covered, allowing them to provide more love and affection for years to come. |
| posted by Patty @ 3:51 AM |
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| Thursday, September 20, 2007 |
| Pet Insurance For Pre-Existing Conditions May Be Hard To Obtain |
As more pet owners look into covering their pet’s health with veterinarian insurance, companies are springing up to take advantage of the growing trend. While the sales of pet insurance policies are rising slowly, the increase is steady and many carry similar rules as insurance for the rest of the family. It can be difficult to find pet insurance for pre-existing conditions, just as if it is for humans, so buying insurance while the animal is still healthy can save a lot of money in the long run.
Typically, once an animal is diagnosed with a specific chronic problem, they will require care for it on a continuing basis. Changing veterinarians in the event of move is not usually a problem as far as the health coverage is concerned, but if the owner cancels the current policy and attempts to find new coverage, it is likely that everything can be covered except for problems caused by their past health. Pet insurance for pre-existing conditions is normally not available and if it is, there is usually an extended waiting period before the insurance coverage kicks in. The wait can two years or longer, which the insurance company watches the health of the pet.
Besides not being willing to offer pet insurance for pre-existing conditions some insurance companies also will not cover diseases that the pet may be genetically predisposed to contract, or others for which the pet’s parents have been treated. Some cancers and bone diseases, known to be a problem for certain breeds of animals are also usually not covered in many policies.
Proving Onset Of Disease Up To Owner
With many insurers, determining the initial onset, and when the owner became aware of it can be a contentious point between owners and insurance companies, which will typically claim the do not offer pet insurance for pre-existing conditions. Having the animal insured from its first few weeks of life can make this easier; however, there are some companies that will deny coverage claiming the animals hereditary is responsible for its current problems.
In cases of rare or expensive breeds some insurance companies may require a statement from the animal’s vet that it is free from certain ailments, and even then pet insurance for pre-existing conditions may not be paid if the company deems the condition was known by the owner and hidden from the vet for the purpose of obtaining health coverage before divulging its existence. |
| posted by Patty @ 12:52 PM |
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| Monday, August 6, 2007 |
| How To Find Pet Insurance Bird Lovers Need |
The cost of veterinary care is skyrocketing along with the cost of everything else. There is the chance that nothing will ever happen to your pet bird, that he or she will never have an injury or illness, but let’s be realistic. Birds need to go to the vet more than dogs or cats. More money and research has been done on developing new treatments for dogs and cats (even rabbits) but not birds. You need not just pet insurance, bird insurance.
Where To Perch
You can’t seem to walk three steps these days without getting hit with some form of advertising for pet insurance. Bird insurance is harder to find. Although nearly 5 million homes in America own birds, you do have to do your homework in finding the right pet insurance, bird insurance or livestock insurance for you.
If you have a pet bird, chances are you are subscribed to one of the many educational bird magazines on the market. The classifieds and pages will be filled with all kinds of products for bird owners, including pet insurance. Bird web sites are even better sources of information on insurance, as the pet bird community will not shy away from an opinion of any company.
Another place you can go to find good pet insurance bird lovers need is to talk to the breeder of your bird. More and more, breeders of any kind of companion animal are getting pet breeders insurance. Your breeder might be able to recommend what pet insurance bird lovers can get help from most.
What To Look For
Most pet insurance birds need comes in different forms, such as the different kinds of car insurance. As a general rule, the more you’re covered for, the higher your premiums will be. At the very least, you will need accidental injury coverage. Birds are notorious for getting into trouble in ways that are almost genius.
You can also get a more comprehensive package, which also covers illness. Some will even cover boarding fees.
Look to see that you can understand easily how to make a claim and be sure what you are covered for and what you are not. Most of the pet insurance bird lovers need can be modified to suit the needs of your bird. If you only have one canary, chances are you will not need to pay liability insurance. But if you keep rheas, then you know how suddenly they can kick, and then you would need liability. |
| posted by Patty @ 5:58 AM |
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| Get Shelter Care Pet Insurance Along With Your New Best Friend |
Animals get dumped at shelters for really hideous reasons. Shelter workers are hard to shock because of these reasons that people have actually given to get rid of a healthy pet:
“His color clashes with the new furniture.”
“His breed is SO out of fashion!”
“She is too boring.”
They also hear the excuse that “We can’t afford the vet bills”. This is why animal shelters in Canada and America are signing up for low-cost pet insurance programs to give with a new dog or cat to help the animal stay with the new home. One of these plans for shelters covering shelter animals is from the appropriately named Shelter Care pet insurance. Animal shelters and adoption centers can offer anyone adopting an animal from them very low cost basic coverage from Shelter Care pet insurance so that their new best friend is at least covered for sixty days for only a couple of dollars.
History of Shelter Care
Shelter Care pet insurance first materialized in 2001 in Canada from the Pethealth company. They are part of the PetCare family that includes the PETCO pet store chain. American policies are underwritten by Praetorian Insurance Company, which received a high rating from A. M. Best, the company that sets and grades the standards of all insurance companies around the world.
Details, Details
Shelter Care pet insurance is available for any dog or cat, whether adopted from a shelter or not, but massive discounts are given to shelters rather than individual pet owners. Whether you run a shelter or live in a one pet household, there is a Shelter Care pet insurance plan for you. You can go to the website and quickly compare all of the policies. Unlike a lot of pet insurance companies, Shelter Care pet insurance does cover senior animals under a QuickCare Senior Plan. There are also plans that just cover accidents, and ones that also cover illness. On average, a plan costs about $30 a month. You can pick short term or long term insurance.
To make a claim, you download a claim form from the Shelter Care pet insurance website and print it out. Your vet’s office might be able to do this for you, but check with your vet first. You and your vet fill out the paperwork, then you mail the claim form off to Shelter Care pet insurance company in either Canada or America, depending upon which country you live. |
| posted by Patty @ 5:57 AM |
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