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Pet Insurance – health, Pet care, vip best quote, uk, plan, dog, vet
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Pet Insurance – health, Pet care, vip best quote, uk, plan, dog, vet
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Pet Insurance – health, Pet care, vip best quote, uk, plan, dog, vet
Pet insurance From Wikipedia, the free encyclopedia
Pet Insurance pays the veterinary costs if one's pet is ill or is injured in an accident. Some policies also pay out if the pet dies, or is lost or stolen.
The purpose of pet insurance is to remove or reduce the dilemma that otherwise faces pet guardians faced with the choice between paying an unexpected and very expensive veterinary bill or simply euthanizing) their ill or injured pet. As pets are increasingly considered part of the family, and veterinary medicine is increasingly is employing expensive medical techniques and drugs, pet guardians are facing this emotional decision more frequently than in the past.
UK Policies usually pay 100% of vets fees. Policies in the USA usually offer to pay 80-90% of the costs minus a $50-100 deductible depending on the company and the specific policy. (VPI Pet Insurance offers a $50 deductible, while PetCare pet insurance offers a $100 deductible). The owner will usually pay the amount due to the Vet, and then send in the claim form and receive reimbursement, which some companies and policies limit according to their own schedule of necessary and usual charges. In the event of a very high bill, some veterinarians will allow the owner to put off payment until the insurance claim is processed. Some providers such as Direct Line Pet Insurance will also arrange to pay veterinarians directly on behalf of customers.
Traditionally, most pet insurance plans did not pay for preventative care (such as vaccinations) or elective procedures (such as neutering), or such coverage for such coverage. Recently however, some companies in the UK and US (Such as PetPlan & Direct Line Pet Insurance, in the UK, and VPI, in the US) are offering routine care coverage.
In addition, companies often limit coverage for pre-existing medical conditions, thus giving owners an incentive to insure even very young animals who are not expected to incur high veterinary costs while they are still healthy.
Some insurers offer options not directly related to pet health, including covering boarding costs for animals whose owners are hospitalized, or costs (such as rewards or posters) associated with retrieving lost animals. Some policies also include travel cancellation coverage if owners must remain with pets who need urgent treatment or are dying.
Some UK policies for dogs also include third party liability insurance. Thus, for example, if a dog causes a car accident that damages a vehicle, the insurer will pay to rectify the damage for which the owner is responsible under the Animals Act 1971.
In the US, VPI Pet Insurance, the largest of the pet insurance companies, offers insurance for cats, dogs, birds and many types of exotic animals. Other companies are now emerging that offer competitive plans for dogs and cats such as Global Pet Insurance which offers an array of customizable plans to allow the consumer to now tailor exactly what they want in a pet insurance plan.
Pet Insurance is available in all developed counties and the precise details of the insurance cover will vary from policy to policy.
This page is licensed under the GNU Free Documentation License. It uses content from the Wikipedia article Pet Insurance General & Medical will soon be making Pet Insurance available. – (source) The purpose of pet insurance is to remove the need for the "life or money" decision if a pet guardian is faced with an unexpected veterinary bill. – (source) Pet insurance has become the fastest growing form of insurance in the UK with over 220 policies on the market. Here are 10 key questions to ensure you get the right policy. – (source)
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