Pet Health Care Insurance Policy Tips for
Selecting & Purchasing Pet Insurance

Pet Insurance Policy Tips

As we all know, cats are priceless, but not cheap. With the high cost of vet bills and medications, it's a constant struggle to balance our pet's health care with our checkbook. But of course, like you, I'd pay anything to keep my cat healthy and happy.

Rebecca Cook of The Associated Press reports that “American households spend $18 billion yearly on veterinary expenses. More than 71 million households own a cat or dog, and a growing number view pets as family members worthy of the best, from health care to doggie spas and pet day care.”

Luckily you now have the ability to purchase pet health care insurance in order to save some money while providing your cat or dog with the best care available. Having pet insurance gives you peace of mind so you will never need to choose between your pet and the high cost of pet healthcare.

Pet insurance companies, such as QuickCare Pet Insurance, provide a variety of plans ranging from basic to extended depending on your needs. Plans even exist specially designed for indoor cats and older cats. Pet insurance plans are similar to insurance policies for people; the more coverage you get, the more expensive the plan. Also the pricing varies depending on the age of your pet.

Many animal health insurance services, such as QuickCare Pet Insurance, now offer plans for older cats, dogs and other pets, so it's never too late to get coverage.

Be careful though. Most will not cover pre-existing conditions, pet food, cosmetic surgery, hereditary health problems, and behavior disorders. Also be careful to read the fine print to see exactly what coverage you can expect, how soon you can use it, and the cost of the deductibles. Some companies will not cover any expenses for the first 30 days after you sign up. Lastly, ensure that you will be covered in city you reside (some U.S. states are not eligible for pet insurance.)

Pet Health Care Insurance Policy Checklist

• Are pre-existing conditions covered?
• Is the insurance usable in your city?
• Are there any pet age limitations?
• How soon can you make your first claim?
• How much are the deductibles? Sometimes different deductibles apply for certain procedures. These may be higher than the regular deductible.
• What percentage of the vet procedures is covered?
• How many procedures are covered?
• How many incidents can you apply for?
• What is the maximum dollar amount covered per incident (this will vary per procedure)?
• Are medications (both non prescription and prescription) covered?
• Are regular check-ups covered?
• Does the pet insurance cover the full lifetime of your pet?
• Are vaccinations and heartworm treatments covered?
• Are spaying and neutering included?
• Dental coverage?
• Accident coverage?
• Cancer treatment and other serious illnesses?
• Diagnostic tools such as MRIs, CAT scans and x-rays?
• All surgeries or just some?
• If your pet needs hospitalization, is the daily boarding cost covered?
• If your pet swallows a foreign object, is the removal procedure covered?

If you're looking for quality pet insurance try QuickCare Pet Insurance. They offer comprehensive, flexible pet care coverage and pay a higher percent of your claim than many other pet insurance companies.

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