Why do you need pet insurance?

Discussion in 'Pets and Animal Lovers' started by Sriniketan, May 23, 2008.

  1. Sriniketan

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    Why Do I Need Pet Insurance?

    Pet health insurance can help you pay for your pet’s veterinary care. But do you really need it? Here are some great reasons to cover that special member of your family.
    Prepare for the Unexpected

    No one likes to think about a beloved pet getting hurt or sick, but it can happen anytime. Pets are typically curious, active, and often quite fearless, so it’s difficult to protect them from all dangers all of the time. Pets also get sick, just like people do. In fact, every year about 6 million dogs and 6 million cats are diagnosed with cancer in the US (American College of Veterinary Internal Medicine, 2005).
    Fortunately, there are more lifesaving treatments, like surgery and chemotherapy, available for pets than ever before. However, as veterinary care advances, it also becomes more expensive. In fact, veterinary costs have more than doubled over the past 10 years.
    That’s where pet health insurance comes in. By covering your pet, you can make sure that you’ll be able to afford the medical care he or she needs. After all, when your pet is hurt or sick, you have enough to worry about without having to think about how you’re going to pay for treatment.
    Get Help Paying for Wellness Care

    Routine preventive treatments, like vaccinations and dental cleanings, can help your pet live a long and healthy life – and wellness coverage can help you pay for them. Knowing you’ll get reimbursed for wellness care may even motivate you to make those important appointments.
    ASPCA Pet Health Insurance offers increasing levels of wellness coverage for you to choose from. Our Advantage Plan<SUP>WC</SUP> covers essential wellness care, while our Premier Plan<SUP>WC+</SUP> covers even more wellness care treatments.
    Pet Insurance Versus a Rainy Day Fund

    You could put money into a savings account to help pay your veterinary bills, but this has its drawbacks. For instance, you have to be disciplined enough to stick to your savings plan. You also have to guess how much you should save, since you can’t predict how much it will cost if your pet gets hurt or sick. Your pet could also need care before you have a chance to save enough money to cover your veterinary expenses.
    If you decide to cover your pet with ASPCA Pet Health Insurance, we’ll reimburse you for 80% of allowable veterinary charges. That can be a huge help when you’re looking at hundreds or even thousands of dollars in veterinary bills. Give yourself a little peace of mind by getting a free quote and enrolling in one of our caring plans today.
     
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  2. Sriniketan

    Sriniketan IL Hall of Fame

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    Myths about pet insurance..

    6 Myths About Pet Insurance

    Myth 1. You don’t need pet health insurance.

    You never know when your pets might get hurt or sick. And vet bills can add up fast. Even routine vet care can be expensive. Pet health insurance helps you pay your vet bills, so you won’t have to make a financial decision regarding your pet’s health.
    Myth 2. Pet health insurance is expensive.

    Basic accident coverage can be very affordable. In fact, our Safety Plan starts as low as $7.50 a month. You can also get increasing levels of protection, which costs more, but may be worth it to you for the additional peace of mind.
    Myth 3. You can’t go to the vet of your choice.

    Unlike some human health insurance plans, pet health insurance does not limit you to a list of providers. With our plans, you can use any licensed vet in the US or Canada.
    Myth 4. It’s complicated to use pet health insurance.

    Our pet heath insurance plans are very easy to use. Just visit any vet in the US or Canada and pay for the services. Then submit our simple one-page claim form along with any receipts, and we’ll reimburse you for 80% of allowable veterinary charges.
    Myth 5. You can’t get coverage for wellness care.

    You can get help paying for wellness care, like vaccinations and dental cleanings. Our Advantage Plan covers essential routine preventive care, while our Premier Plan covers even more wellness treatments.
    Myth 6. It’s difficult to apply for pet insurance.

    It’s quick and easy. You can start by getting a free online quote or calling us at 1-866-861-9092 to speak to one of our friendly specialists
     
  3. Sriniketan

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    Before you buy pet insurance..

    1. Does the company pay against your vet bills?

    Find out how your reimbursements will be determined. Some companies pay a percentage of your veterinary expenses, while others pay only a fixed amount based on a benefits schedule.
    The ASPCA Pet Health Insurance Advantage

    We pay 80% of allowable veterinary charges, because we believe you should be reimbursed based on your actual veterinary bills. This makes it easier for you to understand how you’re being reimbursed, and gives you the opportunity for higher payouts.
    [​IMG] 2. Can you get help paying for wellness care?

    Although wellness care, like check-ups and vaccinations, is key to keeping your pet healthy, not all pet health insurance companies offer wellness coverage.
    The ASPCA Pet Health Insurance Advantage

    We’re committed to helping pets stay healthy, which is why we offer options with wellness coverage. Our Advantage Plan helps pay for essential wellness care, while our Premier Plan covers an even wider range of treatments.

    [​IMG] 3. Is it a brand you can trust?

    Make sure you can rely on the pet health insurance company you use to protect your pet. Are they a professional, caring, and well-respected organization?
    The ASPCA Pet Health Insurance Advantage

    You can trust the ASPCA name. After all, the ASPCA has been fighting to prevent animal cruelty for over 140 years. They understand how important it is to protect your pet, and stand behind the quality and design of ASPCA Pet Health Insurance plans
     

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