Pet Insurance Plans

Pet Insurance Plans

Pet insurance plans vary from company to company. The number of companies that offer pet insurance has grown over the past few years. It is no more a new concept. Insuring the pet has become a necessity for the pet owners. Whether it is a pet dog, cat, rabbit, horse, or fish, there are many plans available that will suit the needs of the pet and the owner.

Before opting for any insurance plan for the pet, one should consider the following factors

• Health conditions: The owner should check the health condition of the pet. Some companies charge heavily for the older cats. They refuse to insure the pet for longer period.
• Good insurance: Before opting for the insurance policies for any particular company, one should check out the feedback of the customers. Before going for any particular plan, compare pet insurance plan with the other policies available in market.
• The cost: The cost for insuring the pet varies according to the pet plans of different companies. Check the best cost available which covers all the needs of the owner and the pet. The cost for insuring the adult pet is higher as they often fall sick.

The basic pet insurance plans are

• Pet medical insurance: Medical insurance covers the accident cost of the pet. It also covers the health related problems of the pet which includes the vaccinations, vet bills and routine checkup for the pet. The cost of medical insurance differs according to the pet and the company. For example the cost for insuring the pet cat is less than that of pet dog.
• Low cost pet insurance: Low cost pet insurance is a cheaper pet insurance plan. It covers the veterinary fees, diseases or any other emergency. There are specific limitations for this plan. The duration for protection of this pet is for certain period, it is not a lifelong plan for the pet. Hence the cost of this plan is less as compared to the other plans.
• Expensive pet plan: This pet plan covers the maximum protection for the pet. It offers the veterinary bills, the medical emergencies, and loss by theft, vaccination, regular checkup. The plan provides a lifelong protection to the pet. Therefore these plans are expensive but are best to the owner and the pet. Apart from above basic plans there are three best pet insurance plans available from the pet insurance companies like VPI, Purina Care Pet Health Insurance and ASPCA health insurance
• VPI health insurance plans: VPI provides coverage to wide range of pets like dog, cat and other exotic animals. This insurance company covers two plans, medical plan and major medical plan. All the major bone disorders of the pet and all the health issues are covered in major medical plan. Both the plans provide coverage for routine checkup, vaccinations and other medical emergencies. The annual cost for major medical plan is 14,000USD and 7000USD for medical plan
• Purina care pet health insurance plan: Purina pet insurance offers two plans Purina care plus preventive care, and Purina care without preventive care. In preventive care plan it covers vaccinations, dental polishing, flea control and spaying. Both the plans cover major medical costs hospitalizations, surgeries, medications accidents, illness and other hereditary conditions. The maximum limit per year for both the plans is 20,000USD.
• ASPCA Health insurance plan: This health insurance plan provides insurance for pets under 11 years old. There are levels for this plan, level 1, level 2, level 3, level 4, and level 5. Each level has different coverage and cost. For example a level 1 plan covers accidents and most illness. It costs 11USD per month and annual deductibility of 100USD per month. It includes the pet care, accidents and illness of the pet. The younger the pet the wider range of coverage is available for the pet. The cost of the plan differs according to selection of the coverage and the level.

Pet insurance plans are widely available; one must consider all the factors and the various plans mentioned above to get the best plan for your pet.