Premium Dog Insurance Policy Types and Benefits

English: Little Bear, the 2009 Pet Mayor of Montclair (Photo credit: Wikipedia)

If you’re in love with your pet dog, then it’s natural for you to be concerned about its health. You’ll try to make sure that your pet remains in good health regardless of whether it is a matured dog, a young adult or a pup. However, health challenges may surface all of a sudden and you ought to prepare for it in advance. Make sure you pick a premium dog insurance policy without wasting time!

Check out policies that charge lower premiums and yield maximum coverage:

Life Time Insurance Protection

Your dog is bound to enjoy huge benefits with a life time coverage policy. These types of policies are usually more expensive than the other types of policies. On-going sicknesses may result from health challenges that your pet faces every year. A life time cover protects your dog from such challenges; a majority of your veterinary costs are saved once you enroll your pet for such coverage. Even when it charges a higher amount out-of-pocket, it proves to be a great policy in the end. For those that are really concerned about the health of their pets, it’s actually a great thing.

The Condition Based Protection

This kind of protection is meant to cover the specific health conditions of your dog. As the name suggests, this coverage is based on health conditions and don’t bear any limitations concerning time. Till the time you attain the monetary limit, you may claim as many times you wish to for the same health condition. However, a few insurance providers don’t cover specific dog breeds or follow restrictions on them.

The Annual Cover

When it comes to dog insurance, the annual cover is considered amongst the inexpensive forms of coverage. Once the policy matures, only then you’ll be able to claim the monthly premium. The reason why these types of policies appear cheaper is that they offer a much low claim amount. The fact that all dog health claims made during unforeseen situations are met, proves how beneficial the yearly coverage is in reality.

You must remember the following irrespective of the dog insurance policy you choose. In your attempt to identifying the best insurance policy, you must compare between all policies and opt for a notable insurance provider. The internet is likely to show you through a number of dog insurance policies. These policies will catch your attention with a variety of features, discounts and other offers. This confusion can only be resolved when you opt for a trusted online brand. Saving more on your dog insurance premiums is only possible when you see some quality discounts and offers. Choosing the right policy for your pet gets easier when you visit a policy comparison site; it helps you to take an informed decision.

Protecting Your Best Furry Friend While Saving on Pet Insurance

Pet insurance provides coverage for your furry friends in case there unexpected medical issues arise. It is similar to purchasing health insurance for a family member. If you consider your pet to be a part of your family (as most pet owners do!), it is in your best interest to provide extra protection for them. 

The medical costs for pets can be high, and covering such expenses can be especially difficult for those with fixed or limited incomes or high expenses (children’s college tuition, upcoming wedding expenses or study-abroad programs). When your pet is ill, however expensive it may be, medical care is necessary. 

Pet insurance companies often have limits on what pets and procedures they cover. Some companies only offer insurance for dogs and cats, while others provide coverage to different types of pets. You need to call ahead to find out if your pet is on the list. In most cases, a dog or cat is covered. 

Paying for Insurance 

There are a variety of things that will impact the cost of pet insurance. There may be restrictions or limitations on the kind of protection that the policy offers. The deductible and co-pay are different with each company and each type of policy. There could also be a cap on each specific incident and the annual vet visit. If you have a higher deductible, for instance, you could lower your monthly premiums considerably. You should able to get a customized policy with low premiums that can still cover your furry friend and make it cost-effective for you. 

There are various factors that affect pet insurance. If you have a young pet, for example, the cost of your policy may be lower. When your pet is older, the premium increases. If your pet has a pre-existing condition, you may not be able to receive full insurance coverage. However, you may find a company that will provide coverage for things like knee injuries, surgery and diabetes, as well as kidney problems. These issues, though, can increase coverage quite substantially. Coverage in these cases is especially beneficial to you and your pet, since there is a high likelihood of an incident occurring. 

Insurance for your pet may be the difference between paying monthly premiums and putting your pet to sleep prematurely. If you have to cancel your insurance because of personal reasons or if you have lost your pet, read the fine print. You won't be penalized in most legitimate cases and will be reimbursed for any premiums that you have prepaid. 

Finding the Most Cost-Effective Plan 

If you need pet insurance, conduct extensive research to get the most cost-effective plan that suits your budget and will meet the needs of your furry friend. Doing a comparison on a site like PetPremium can fill you in on the benefits offered by each policy. Pay attention to limitations and exclusions. Get more than one quote before deciding on a particular company. Check to see what reviews or testimonials the company has received. 

Pets may make people happier and help us live longer. They are expensive, but the pay-off is undeniable! Your kids will take their happy, furry family memories with them on all of their upcoming journeys. Pet insurance can help you create even more memories by keeping your pet around longer! It’s the least we can do for the animal that’s prolonged the lives of us and our kids! 

About the Writer: Jen Lopez is a passionate pet owner who really prides herself on helping other pet owners manage happy, enjoyable relationships with their furry friends.

Five Reasons Pet Insurance Isn't as Silly as it Sounds

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According to The Humane Society of the United States, there are 164 million in-house pets in the United States. Keep in mind that this number may be underestimated. The Associated Press tells us, through information gathered via a survey, that 41 percent of pet owners are at least somewhat worried that they wouldn't be able to afford medical bills for a sick or injured animal. 

Learn More: Adopt A Pet Ultimate Guide

Are you one of those pet owners? For you, pet insurance may not be as silly as it sounds. Here are just five reasons to consider taking out an insurance policy for your furry companion:

1.Vets are Expensive

Unfortunately, there's no getting around the fact that vet care is expensive. Many people, in fact, think it's too expensive. Before you balk at your next vet bill, take a moment to consider how much that bill would have been if a human had been treated. 



Veterinarians receive more training than their human physician counterparts, and are required to have a wider range of knowledge. When is the last time you walked out of your doctor's office for less than a few hundred dollars?

A routine appointment that includes vaccinations will cost you between $100 and $250 on average, depending on where you live. Paying this for one pet, once a year is not a deal breaker. But what if your pet is involved in an accident are falls seriously ill? Your vet bill can easily climb into the thousands.

2.Policies Start Immediately

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Most pet insurance policies kick in immediately. Some have a waiting period of five to ten days. It's not uncommon for people to tell you to put the money that you would pay for your premiums into a savings account for your pet. 

This makes sense on the surface but what if your pet is hit by a car next week and needs life-saving care? That savings account you started isn't going to pay for you to walk through your vet's door. On the other hand, if you had purchased a policy, you would have the money to pay for the care your pet needs.

3.Veterinary Medicine is Changing

Even a decade ago, veterinarians had limited tools in their belt with which to treat your pet. Today, veterinarian's can perform laser surgery, endoscopy, alternative therapies, physical therapies, and chemotherapy. Your grandparents, and even your parents, had very limited options when it came to treating their pets for major illnesses and serious injuries. 

Unlike the previous generations, we have an incredible array of options when it comes to the care of our animals. It's no longer necessary to automatically have your pet euthanized after a traumatic event. 

4.A Pet's Life is Dangerous

Every pet owner thinks that they take fantastic care of their pets, and most do. No matter how well pets are taken care of, life is wrought with dangers for curious pets. Dogs get out of gates, cats push through screens, and pets wander into the road. 

Dogs eat underpants, cats eat thread, and your pet could easily break a leg running down the steps. Don't let the excellent care that you provide for your pet prevent you from purchasing pet insurance. Accidents happen and pets can surprise us. 

Photo by Adam Grabek on Unsplash

The dog that hasn't done anything "bad" for seven years could all of a sudden swallow a tennis ball. Your cat that has urinated without issue for many years can suddenly become blocked. With pet insurance, you can be certain that you'll have the means to save your pet's life.

5.You Have Choices

The first pet insurance policy in the United States was issued in the 80's to the popular television dog Lassie. Since then, pet insurance has turned into a fierce competition. That competition translates into a variety of choices for the consumer. 

You can find a company that provides the type of coverages and deductibles that are right for you and your financial situation. Do you want a policy that includes routine care and dental cleanings? 

You can find it. Do you only want coverage for accidents and major illnesses? You can find that, too. Thousands of people have been able to bring their pets home from the vet thanks to their insurance policy. 

Don't put yourself in the situation of having to decide whether to treat your dog or cat or have it humanely euthanized. Pet insurance guarantees that you have the funds available to provide life-saving treatment for your beloved animal.

5 Most Common Insurance Claims

Want to know the most important insurance claims? If yes, then read the following article, as it is going to ease you in the best possible way. After all, by reading the following article, you are going to know the most common claims. Thereby, you are able to know the importance of certain claims. Thus they are going to ease us like never before as well. 

Following is the list of the 5 most common insurance claims 

Pet Insurance

This is the insurance which gets lots of claim and it has been further authenticated by the recent study as well. Out of ten people who have the pet insurance policy, four made a claim. The reason for their claim stands out to be the illness of the pet, accident or injury.

Wedding Insurance

Increasing numbers of wedding insurance claims occur due to lost deposits. It usually occurs if the hotel closes down or the catering fails to show up or the photographers are nowhere in the party. Hence, each and every single thing is covered under the policy.

Home Insurance

It is also on the list owing to its importance and utility. It usually occurs due to the water damage, fire or theft. While the claim for water damage is the highest since it covers whopping 69% of claims, due to faulty plumbing activity which results in accumulation of water or creating other unforeseen problems. 

Auto Insurance

Although, there are various reasons which are responsible for the claim against the auto insurance, yet the most important and common one stands out to be fender benders. There are minor accidents which occur near the parking lots or at the stoop signs. Although, the damage is indeed quite minimal, but the best thing is that you are able to know about the detailed policy and whether they are able to impart to what has been promised before or not. 

Cell Phones

If you thought, you cannot protect your phone with a specific policy, better think again. There is a policy for that. The need for the same arose mainly due to the fact that with the advancement of technology, there has been a boom of gadgets. The market has seen various expensive cell phones. Therefore, it equally necessitates the importance of insurance. There has been a high claim rate against the damage. Interesting news also did the rounds where the claim for ownership was made just within the initial four months of possessing the cell phone.

Finally, aforesaid are the 5 Most Common Insurance Claims. It is imperative for you to be on your toes towards gearing up for any sort of eventuality. After all, it is advisable to be prepared for the worst, than to repent later on forever. The article is indeed going to ease you in preparing for some of the unforeseen situations, as now you will have complete knowledge as well. Since, you never know that you might have to make a claim yourself as well. Isn’t it?