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| Posted: 11 Oct 2010 12:42 PM PDT Over the last few decades, buying insurance for your pet has become more popular to the point that a multitude of pet insurance companies with a number of pet insurance programs are available today. Before you purchase such a plan, it is important to look into the specifics of each policy that you are considering. Not all pet insurance plans are the same. In fact, pet insurance runs the gamut form the very basic to middle of the road to premium grade plans. Consider what it is that you want to get out of the plan before you start to look. Obviously, the more features that you want your policy to cover, the more expensive it will be. Do you simply want to cover medical costs and veterinarian fees? Do you want a death benefit when your pet dies? Would you like to be able to offer a monetary reward should your dog become lost? Would you like help with the veterinarian bills if an expensive treatment were needed for your pet? What if you need hospitalization and your pet needs to be boarded? Would you like kennel fees covered? These are all important points to consider because your answers to the above questions will determine exactly what level of pet insurance plan you need to acquire. Study what each insurance company is offering for each of its plans. Ask questions if you are not sure that you understand something fully. In fact, be specific with your questions and find out the percentages of fees and expenses that are covered. Some plans may cover all bills 100%, while others may use a sliding scale. Some policies will only cover likely events while others may cover everything imaginable. Choose the one that best meets your needs and budget. In fact, some pet insurance plans start off as a puppy policy. Then, once the puppy has matured, the company offers you an incentive to continue buying pet insurance with them and convert the policy to an adult policy. Reputable breeders may even offer a puppy policy to the new owner as an inclusive feature to the purchase price or at a reduced rate. Do your research first and then make your decision. Just remember that your dog will most likely be with you for a long time. Plus, since he is supposed to be man’s best friend, shouldn’t he have insurance too? |
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