tBlog - Pet Insurance plans : An Overview

Your pet is like another member of your family. Besides, dogs and cats have much shorter life spans when compared to humans. Therefore, pet insurance plans are necessary for you. Using this plan, you can get comprehensive coverage for your dog or cat. This plan covers for unforeseen accidents or illnesses and even routine check ups for your dog or cat. The vet’s fee, medicines, tests are all covered under this plan. With a pet insurance, you can visit your veterinarian regularly. It covers for visits to all licensed veterinarians world over including certain surgeries. Pets can be insured by the time they are two months old. There is no upper age limit for enrollment.

Some plans provide unlimited accident coverage. This means that some plans provide coverage for listed accidents unlimited number of times. There are no maximum yearly benefit restrictions. The other advantage is that pets do not have to undergo any physical examination whatsoever. The insurance company generally processes claims within five business days following receipt of the same. Premiums and deductibles do not increase with the ages of the pets.

However, to keep the plan valid, veterinarian's advice must be strictly followed. Insurance companies charge higher for certain breeds of dogs who are more vulnerable to some illnesses. For instance, Boxers, Bulldogs, Great Danes Bull Terriers, Dalmatians, St. Bernard’s, Doberman Pinschers, Basset Hounds, Basenjis, German Shepherds, Italian Greyhounds, Irish Wolfhounds, all Mastiff breeds etc fall in that bracket. If your pet has an illness, injury which has to be treated during the time of filing a claim, they will not be covered.