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Pet Insurance
Many people
wouldn't dream of
going without
insurance for
themselves and their
families, but what
happens when a
beloved pet suddenly
gets ill or has some
kind of accident?
Veterinary bills can
add up and put a
financial burden on
the household when
there is a crisis,
but until a few
years ago, the idea
of having insurance
for pets seemed
ridiculous. These
days more and more
people are taking
advantage of pet
insurance to ensure
that their pet will
receive the best
care available
should an emergency
arise.
Several companies
currently offer pet
insurance in the
United States. They
offer a variety of
plans to fit your
pet's individual
needs. Most policies
require that the
veterinary bill be
paid by the client
at the time that the
veterinary service
is provided. The
client must then
submit a claim to
the insurance
company, which
reimburses the
client. Some of the
companies require
that a flat
deductible be paid,
while others require
that a percentage of
each visit be
covered by the
client.
One of the benefits
of having pet
insurance is that
many of the policies
available cover not
only emergency care
but also routine
expenses such as
vaccinations and
routine surgery such
as neutering and
spaying.
Another type of pet
insurance that is
steadily gaining
popularity with pet
owners is one that
resembles a human
HMO. With this type
of policy, the pet
owner is not
required to pay the
bill. Instead, the
veterinarian must
submit the paperwork
to the insurance
company in order to
be paid for the
services provided.
This type of
coverage may be
attractive to pet
owners, but may not
be as widely
accepted by
veterinarians
because of the
paperwork involved.
Some of the pet
insurance companies
are not approved in
all 50 states, so if
you decide to
purchase pet
insurance, make sure
that the policy you
buy is valid in your
state.
- Courtesy Pet
Column for the week
of September 24,
2001
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