01/22/2020

Tips for How to Pick the Right Pet Insurance

Investing in pet health insurance is not rocket science but the process surely involves careful study and research. If you think of a few aspects and follow these guidelines, we are confident that you will buy the right pet insurance- may it be dog insurance, cat insurance or any other pet insurance.

Insurance proves to be of great support when your pet needs health care. It takes care of routine care, illnesses and accidents. At times you cannot afford treatment for your pet. During these challenging times you need sufficient financial backing as you are already emotionally drained out because, your pet is going through health challenges.

So, let us look at tips for how to pick the right pet insurance:

Make a comparison:

When you invest in pet insurance plans, compare a few pet insurance providers. Make a comparison on the following parameters – different plans, co-pays, premium amount, exclusions, deductibles and additional benefits. You can visit websites of different companies and talk to their team.

Consider factors that affect coverage:

Health insurance plan are subject to exclusions for pre-existing conditions, hereditary, congenital or any other restrictions on the coverage when you decide to claim insurance.

Before you decide ensure that you understand each and every aspect of the coverage- breed of the pet and pre-existing conditions. Also, find out how often the premium amount will be raised. Find out if the amount of claims you submit is going to impact your premium.

Its always best to call the customer service or the team of the pet insurance provider to understand these aspects and all insurance terms you are unsure about.

Cost and value addition:

If you decide to choose a pet insurance policy only because it is cheap it wouldn’t be of any help when you need financial support. Know what benefits you are going to get from pet insurance.

The monthly premium and reimbursement amount depend on the type of coverage you chose and the deductible.

Remember a low annual deductible will lead to high premium and high annual deductible will lead to low premium. Monthly premium can be reduced with per-incident deductible, which is applicable to every incident.

Pet insurance is an investment doesn’t base it on cost alone.

Choose what works best for your pet:

First you need to decide if you are interested in covering the cost of wellness care, medical care or complete care. Even if you choose the best pet insurance company in USA the prerequisite to investing in pet insurance is that you should be clear about your priorities.

Wellness - wellness exams, flea, vaccinations, tests, etc.
Unknown medical care – chronic conditions, hospitalizations, lab test, prescriptions, surgeries, etc.

Complete care – coverage that considers hereditary conditions and wellness.

Your veterinarian knows about your pet’s health. Get an idea about the common health conditions from the vet. Also, decide if you would like to be prepared for emergencies or unexpected illness. Decide all these things before you invest in pet insurance.

Invest when your pet is young and healthy:

It is important that you buy pet insurance when your pet is young and healthy to reduce the cost of the policy and avoid limited coverage because of pre-existing conditions. Infact, premium amounts are high for older pets.

TrustedPals https://www.trustedpals.com/ is one of the best pet insurance companies USA. Connect with our team to know more about pet insurance https://www.trustedpals.com/about-us

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01/17/2020

Does pet insurance cover congenital conditions?

There are some aspects about pet insurance that get least discussed. Particularly those conditions in our pets present when they are born. They are called as “birth defects.” These conditions can be inherited and are present in certain breeds. Some of them are caused by chemicals or if the parent is injured during pregnancy. Though, at times the causes are unknown. These are referred as congenital abnormalities.

Let us delve a bit more into this aspect of pet insurance- cat insurance, dog insurance or any other pet insurance.

Does Pet Insurance cover congenital conditions?

When you delve a bit deeper into pet insurance you will realize or rather start complaining about the numerous exclusions that would allow the pet insurance company to deny claims. When you come across this list of exclusions it might discourage you from investing in pet insurance. One of these is congenital conditions.

Well, let us tell you that some pet insurance providers or companies cover congenital conditions, when clinical signs are not present before enrolling for pet insurance coverage. Some breeds are most likely to face these conditions so, its best that you invest in pet insurance at the earliest.

Ask for list of conditions that aren’t covered:

Even if you choose the best pet insurance company in USA, ask their representative for the list of conditions that aren’t covered. Companies do provide a list of conditions that they exclude from being covered. For some conditions they have limited coverage.

You should ask whether congenital conditions are covered. Some pet insurance companies don’t cover congenital conditions. They believe that these are pre-existing conditions, as they existed from birth and before buying the policy. But, there are pet insurance providers that cover congenital conditions if they weren’t known or diagnosed by a veterinarian before the effective date mentioned on the policy.

Let’s look at an example- if you get a new puppy to a wellness examination or physical exam and your veterinarian sees a condition that is present since its birth. This would be mentioned in the report thus, not covered in the policy.

But, if you invest in a policy and several months later the puppy gets ill and a disease is diagnosed that is congenital. It will be covered because this condition was detected after purchasing the policy.

It is best to clear this aspect with your pet insurance provider. You expect coverage for a particular condition and when you apply for a claim the company rejects it. This creates unnecessary tension. So to avoid this condition when you invest in pet insurance ensure that you have clearly discussed this with the provider.

As we have mentioned in our earlier posts, transparency is a prerequisite while investing in pet insurance.

If you wish to discuss about congenital conditions in pet insurance get in touch with TrustedPals. We are here to assist you.

Get in touch with TrustedPals team https://www.trustedpals.com/help to know more about different pet insurance policies. We assist you in investing in pet insurance policy for your beloved pet.

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01/13/2020

Does Pet Insurance increases with age?

‘Pet insurance increases with age’- this is something that we have heard time and again. So, most of us invest in pet insurance like dog insurance and cat insurance, quite early to avoid paying high premiums. At the core of the pet insurance is the reason and emotion that you will be able to afford health care for your pet anytime. If you save money and keep aside an amount each month for your pet it is still not going to be enough as some treatments are expensive.

In such a situation pet insurance comes to your rescue. Even regular health care can be covered by insuring your pet. As your pet’s age increases the premium rises. This feels like a mounting pressure.

Lot of pet owners invest in pet insurance quite late and end up paying exorbitant premiums. This can surely be avoided by investing early when your pet is healthier. You might choose the best pet insurance company in USA but the bottom line remains the same.

But there are some ways to work out so that you don’t feel the burden of paying excessively.

Reimbursement percentage:

You can choose to decrease the reimbursement percentage. It decreases the premium a bit, but it also decreases any reimbursement you might be liable to get. When you anticipate some major challenges with your pet in later life this brings a ‘what if’ risk.

Deductible:

A better option would be to increase the deductible, which will lower the premium. If your pet doesn’t have any major health challenge, it would lead to lot of savings in the long run. It becomes easier for you to set aside a percent of out-of pocket expenses.

You can avail to the deductible benefit if you haven’t claimed anything for many years. This reduces the deductible each year without a claim payout.

Once you’ve made a claim in one year that uses up that benefit, you would go back to the regular annual deductible for the following year.

Insurance for older pets turns out to be expensive, because there are higher chances of older animals having health problems. They are also prone to injuries due to short-sightedness and clumsiness. There are policies created for older dogs, cats or any other pet and you can compare prices to pay a lower premium.

Co-insurance:

You can choose co-insurance option, which can be suitable for an older pet. In this option the insurer and the policyholder jointly meet the cost of treatment while claiming the policy. You will pay the excess and you will be responsible for a percentage of the remaining fee. The balance is covered by the insurance policy.
As against paying high premiums many pet owners find co-insurance is a better choice.

It allows you to get the right cover for your pet instead of paying high premium levels that are totally unaffordable.

Investing in pet insurance is necessary so, why delay the decision? At TrustedPals we discuss and understand your requirements.

Get in touch with TrustedPals team https://www.trustedpals.com/help to know more about different pet insurance policies. We assist you in investing in pet insurance policy for your beloved pet.

leave a comment >>

01/10/2020

Tips for How to Pick the Right Pet Insurance

Investing in pet insurance is not rocket science but the process surely involves careful study and research. If you think of a few aspects and follow these guidelines, we are confident that you will buy the right pet insurance- may it be dog insurance, cat insurance or any other pet insurance.

Insurance proves to be of great support when your pet needs health care. It takes care of routine care, illnesses and accidents. At times you cannot afford treatment for your pet. During these challenging times you need sufficient financial backing as you are already emotionally drained out because, your pet is going through health challenges.

So, let us look at tips for how to pick the right pet insurance:

Make a comparison:

When you invest in pet insurance policy, compare a few pet insurance providers. Make a comparison on the following parameters – different plans, co-pays, premium amount, exclusions, deductibles and additional benefits. You can visit websites of different companies and talk to their team.

Consider factors that affect coverage:

Health insurance plan are subject to exclusions for pre-existing conditions, hereditary, congenital or any other restrictions on the coverage when you decide to claim insurance.

Before you decide ensure that you understand each and every aspect of the coverage- breed of the pet and pre-existing conditions. Also, find out how often the premium amount will be raised. Find out if the amount of claims you submit is going to impact your premium.

Its always best to call the customer service or the team of the pet insurance provider to understand these aspects and all insurance terms you are unsure about.

Cost and value addition:

If you decide to choose a pet insurance policy only because it is cheap it wouldn’t be of any help when you need financial support. Know what benefits you are going to get from pet insurance.

The monthly premium and reimbursement amount depend on the type of coverage you chose and the deductible.

Remember a low annual deductible will lead to high premium and high annual deductible will lead to low premium. Monthly premium can be reduced with per-incident deductible, which is applicable to every incident.

Pet insurance is an investment doesn’t base it on cost alone.

Choose what works best for your pet:

First you need to decide if you are interested in covering the cost of wellness care, medical care or complete care. Even if you choose the best pet insurance company in USA the prerequisite to investing in pet insurance is that you should be clear about your priorities.

Wellness - wellness exams, flea, vaccinations, tests, etc.
Unknown medical care – chronic conditions, hospitalizations, lab test, prescriptions, surgeries, etc.

Complete care – coverage that considers hereditary conditions and wellness.
Your veterinarian knows about your pet’s health. Get an idea about the common health conditions from the vet. Also, decide if you would like to be prepared for emergencies or unexpected illness. Decide all these things before you invest in pet insurance.

Invest when your pet is young and healthy:

It is important that you buy pet insurance when your pet is young and healthy to reduce the cost of the policy and avoid limited coverage because of pre-existing conditions. Infact, premium amounts are high for older pets.

TrustedPals https://www.trustedpals.com/ is one of the best pet insurance companies USA. Connect with our team to know more about pet insurance https://www.trustedpals.com

leave a comment >>

11/22/2019

10 Things to Know Before You Buy Pet Insurance

Human has the eternal love bond with pets, and for this vital relation, it is necessary to buy the Best Pet Insurance. But do you know what is pet insurance? It is a technique to provide the best medical care, wellness, emergency care policy. No matter what type of Pets (cat or dog) you have, this is very important to consider a way to offset the cost of regular visits.

Yeah, this is true that you can save yourself from the big veterinary bills and provide the best care to your cat with the help of best cat insurance, but that doesn’t mean you don’t even verify that insurance is good for your pets, or you as well. Buying insurance without understanding details, terms & conditions could cost your money as well as time. Because every insurance is different, they cover and exclude different things, and without knowing the basics about this is the worst option.

If you are a layman in this area, let us explain to you because this is the way beyond the cute puppies or kittens photos. To dig into the policy details is recommended.

Here Is Guide to Know What You Have To Check Before You Buy The Pet Insurance,

1. Variety

First Of All, Remember Every Insurance Is Different, For Example- A Cat Health Insurance From One Company Varies From Same Insurance By Other Company. Also, Every Cat Insurance Coverage Is Different From Others.

2. Need

This is a very important step. You have to recognize what you would like to take in the pet insurance. So, verify the sort of coverage you’re curious about buying for your pets before you begin searching.

3. Coverage

Take the time to make your mind up to choose the total coverage in the insurance. You can use the customized coverage for your Best Pet Insurance. You have to verify if a condition is eligible for coverage before you register by reviewing the terms and conditions of the policy online.
4. Price

Another important thing, Cost! Yes, after all, you are paying for the best pet insurance for dogs… Compare the price, and then decide what is more beneficial for you.

5. Deductibles

The deductible is the quantity you pay of pocket before the insurance provider starts paying. There are several insurance plans in that the deductible is applied annually. Once you’ve paid the deductible toward lined treatment, the set up starts reimbursing you. So, always check before you choose.

6. Wellness care

Preventative or wellness care coverage will facilitate annual visits and routine care together and prevent to spend extra cash.

7. Age Limits

Some pet insurance company provides insurance for younger pets only, and some give for senior pets as well. So, take care If your dog is registered with any pet insurance company that doesn’t provide to senior pets.

8. Analysis

Do Your analysis. Always check the pet insurance suppliers and find the best pet insurance provider. Browse client reviews and speak with anyone you recognize, and then consider.

9. Pre-Existing Condition

A pre-existing condition is a medical drawback that was apparent in your pets before you purchased the policy. However, some plans consider the condition while you take the plan.

10. Waiting Period

Most pet insurance policies can have a waiting period, so always check the time of the time between enrolling in an exceeding policy.

Further Steps,

Stay Aware, don’t believe misconceptions about the pet insurance and as a good pet owners consider the best insurance for your Pets. Take Care!

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11/22/2019

Things to know about pet insurance

Pets are our family members; we love and treasure them to take utmost care that they stay healthy and safe. But we can never gauge the uncertainties of life. So, we all agree that Best Pet Insurance is a must. May it be dog insurance, cat insurance or insurance for any pet. We need to know a few things before we invest in it.

What should I know before investing in pet insurance?

You have done necessary research about pet insurance before you pull out your checkbook or credit card. You have made all the comparisons and studies about insurance – may it be dog or cat insurance.

When you purchase a policy when your dog or cat is young and he lives a healthy normal life span, you will spend thousands of dollars for the coverage. That is why its necessary that you conduct a deeper study before you take the final decision.
Few things that you need to know about pet insurance:

• No one-size-fits-all policy:

There is no pet insurance that is common for all pets i.e. one-size-fits-all isn’t available for pet insurance. Before you sign on the dotted line you need to think over carefully and choose the right insurance policy.

• Categories of insurance:

There are different categories that you need to know: accident only, accident-and-illness, and wellness care. Most of the pet owners go for accident-and-illness policies. The reason is simple – these two cover the largest types of veterinary expenses that a pet will face in its lifetime. You can add wellness coverage to the insurance policy you’ve chosen or purchase it separately.

• Deductible and copayment:

You have to consider about the deductibles and copayment options to choose. This is what we do for our insurance as well.

Deductibles can be charged on a per-incident or per-year basis. Choose the deductible level that your budget allows. A low deducible implies a higher premium. Even after the deducible is met, you will need to pay a percentage of the medical expenses. Thus, the size of the copayment will majorly impact the cost of the policy.

• In network:

You have to be aware if the vet is “in-network” or “out-of-network.” Yes, it is true that your pet can be treated by any vet, but you need to be aware of this fact.

• Treatments that can be covered:

You have to pay for regular treatment of your pet. If you are unable to keep a tab on the amount paid to the vet and the reasons, then your insurer might not be able to pay out when you claim. Infact these expensive and unexpected vet bill drive people to invest in pet insurance.

These can cover a wide range of veterinary treatments. Even if you buy from the Best Pet Insurance, you have to understand what exactly can be claimed and how much you will get and for how long. It can cover a wide range of veterinary treatments, but you should carefully check your policy to understand exactly what can be claimed for, how much you’ll get and for how long.

Some treatments that can be covered include:

• General vet cost:

This includes a range of treatments for illnesses, accidents and injuries.

• Dental care:

It is covered by only some pet insurance policies. All policies might not cover it. Generally, it would cover dental treatment that needs to given to your pet due to accident, injury or illness. But this doesn’t cover cosmetic work.

• Hereditary and congenital conditions:

These are health issues developed through inherited characteristics or those existing health issues since birth. These are not classified as ongoing conditions. But you need to ensure that this cover is “unrestricted” and not covered only under certain circumstances.

• Breeding costs:

This is related to pregnancy and not always included in the policy. When you plan to use your pet for breeding then its best that you’ve ensured that its covered.

• Long term conditions:

This is covered if you have a lifetime policy. Check the individual policy to know how much is covered in this area.

• Alternate care:

Alternate treatments such as homeopathy or physiotherapy can also be covered in pet insurance if such treatment is suggested by the vet.

Now that you know vital aspects of pet insurance we suggest that you connect with TrustedPals https://trustedpals.com/ and know more about how we take care of your pet.

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