Which Pet Insurance Plan Should You Take Out For Your Dog?
Many people don’t realize just how many different pet insurance options are available on the market. But because the cost of pet illness and other necessary veterinarian procedures such as spaying, neutering and vaccinations can come at such a high cost, many companies have realized the serious need for pet insurance. Not all kinds of insurance are created equally, so it’s important to know what your options are before making a decision as to which kind of insurance you want to invest in.
If you aren’t sure whether pet insurance is for you, consider the fact that one injury or illness is all it takes to create a situation where you’re trying to figure out how to come up with enough money to have your pet treated and if you can’t, you may be faced with the sad possibility of having to put your beloved pet to sleep. Pet insurance can help to ensure you don’t have to deal with a situation like this. Consider protecting your pets and your wallet by purchasing pet insurance through one of the following programs.
PetPlan
PetPlan offers policies for both dogs and cats, and they’re one of the only companies that cover hereditary conditions without imposing additional fees. You can renew the plans offered through PetPlan every year and once a pet is enrolled, its guaranteed coverage for life as long as the premium is paid.
There are annual limits on how much is covered depending on which plan you choose to purchase but each year these limits are lifted and the process begins again which helps to make sure the pet insurance plan never becomes useless to you. PetPlan even covers things you might not think about like alternative treatment methods, acupuncture, and even therapies for pets suffering from chronic conditions.
VPI
VPI pet insurance is widely known for its portable policies in which you can take your pets to any licensed veterinarian found anywhere in the World and have the costs covered by the VPI insurance. They also make it easy to make your claims by being able to fax or mail them in. Although you are required to meet your deductibles, once that’s done you are reimbursed for any further veterinarian costs covered under the plan.
The plans offered through VPI pet insurance are pretty comprehensive in that they cover recurring illness and chronic conditions experienced at nay point in the pet’s life. Hereditary conditions are not covered, neither are hereditary procedures or things like pet food, grooming supplies and behavioral problems.
ASPCA Pet Health Insurance
The ASPCA offers four different levels of pet insurance to choose from. Level one covers procedures due to accidents only such as hospital stays, x-rays and surgery. Level 2 provides coverage for accidents and illnesses while Level 3 offers additional benefits such as covered spays and neuters as well as vaccines and annual exams.
Level four is the most comprehensive coverage and takes care of everything the other levels cover with the addition of dental cleaning, heartworm prevention and advanced vaccine applications. All pets over the age of eight weeks are eligible for the level one pet insurance plan that’s offered through the ASPCA, however all other levels do have age and health requirements before they can be enrolled.
Pet’s Best
This pet insurance provider offers plans for illness and accidents in addition to injuries. There are numerous plans to choose from through Pet’s Best and all of them were designed to reimburse enrollees up to 8-% off their veterinarian bills throughout each year the pet is enrolled. As a pet owner you can choose a veterinary office, hospital or even a specialist anywhere you live or visit while covered under the plan.
Routine care can also be covered depending on which Pet’s Best plan you choose to enroll in but there are restrictions to look out for such as pre-existing conditions, congenital problems, hereditary conditions and ligament injuries to name a few.
