Home - insurance - Here’s Why And How To Get The Best Insurance Policy For Your Furry Friend

Here’s why and how to get the best insurance policy for your furry friend

If you’re an animal lover and have pets at home, they’re a part of your family. If they get sick and need medical care, pet insurance covers the expenses and lets you provide them with the best possible care. This is greatly beneficial if your pet’s medical expenses are high, and even prevents you from giving up your beloved animal because you can’t afford a surgery. Whether at home or on a trip you took your furry friend along on, pet insurance comes with some incredible benefits.

Here’s why and how to get the best insurance policy for your furry friend
Read on to know why and how to get your furry friend insured.

Why do you need a pet insurance policy?
A bunch of companies offer pet insurance plans, and many offer multiple policies that can meet your requirements while not overshooting your budget. Some policies provide insurance cover for your pet’s wellness, along with a due coverage for when your pet falls ill or faces an accident, while some others cover the expenses only in case of accidents and illnesses. If you get an insurance policy of the latter type, you’ll have to bear the cost of routine checkups, vaccination, flea and tick prevention and treatment, and heartworm treatment. Just like health insurance for humans, the wider the coverage of a pet insurance policy, the higher the premium amount you need to pay.

There has been a significant rise in the cost of veterinary care in the recent past, and this is directly linked to improvements in the techniques, testing procedures, and care given to pets. With perennial advancement in the medical field, there are better forms and varieties of medicines and more specialized care available for pets today. Just like humans, even dogs can undergo complex procedures like chemotherapy and brain surgery. The cost may make pet healthcare difficult to access for some pet owners, but this is where pet insurance comes in!

What are the advantages of getting pet insurance?
You need not fall back on your savings every time you need to consult a physician or visit a dentist for a teeth alignment procedure or just a routine checkup, and that’s because you have your health insurance plan to cover for your healthcare expenses. So why dig into your savings when your pet falls ill? Leave it to pet insurance companies to provide coverage for your furry friend’s medical expenses.
You can get yourselves the best health insurance plans, but your pets deserve the same amount of care and concern. After all, they’re your best friends! Let’s take a look at some of the reasons to get a pet insurance policy:

  • Pet insurance helps you save
    If your pet is insured, you can simply use their insurance plan to meet their treatment expenses, which will certainly save you big bucks in the long run. Regardless of the company you choose to get your pet insurance plan from, you have to bear a certain amount of deductible before the plan kicks in to cover your pet’s medical expenses. Once the deductible is met, a percentage of the total expenses, according to your plan, are borne by the insurance company.
  • It makes it easier for you to care for your pet
    Pet owners who have pet insurance are better equipped to care for their pet’s health and worry less about a huge bill from the vet. Besides, if your pet falls sick or meets with an accident, you can afford even the costliest surgery for their treatment if you have pet insurance. You can rest assured that your furry friend gets the best medical care without having to worry about its cost. This enables you to focus on caring for or spending time with your beloved pet worry-free.
  • It opens up better treatment options
    Having pet insurance enables you to afford and choose from among the most diverse treatment options. Insurance also makes it easier for you to pay for life-saving treatments like chemotherapy and complex surgeries. These costs may add up to several thousands of dollars, which is not very affordable for pet owners who do not have insurance.
  • It lets you choose your vet
    While health insurance does not let you choose your doctor, pet insurance provides you with the flexibility to pick a doctor whom you trust to be adept enough to provide your pet with the best medical care. Additionally, you wouldn’t require a doctor’s referral to visit a specialist, which is particularly beneficial during holidays and after-hours.
  • It covers pets irrespective of their age and breed
    You can get your pet insured regardless of which breed they belong to or how old they are. Not to mention, you can get this done at a highly affordable rate. This is especially beneficial for owners whose pets suffer from chronic illnesses like diabetes mellitus, as the policy covers any associated health conditions and the resultant medical expenses.
  • It lets you remain calm during stressful times
    When you have pet insurance, you can rest assured that your pet will be provided the best care even if something goes amiss. Many pet insurance companies have a policy wherein you can get approximately 80 percent of the expenses covered once the deductible has been paid, so you don’t have to worry about the expenses.
  • Insurance facilitates proper budgeting of pet care expenses
    Paying the pet insurance premium installments means you are spreading out your pet care expenses over a couple of months instead of incurring a sudden huge expense in case of an emergency. This makes it easier to bear a huge medical expense without putting a dent in your finances.
  • Pet insurance protects your savings
    If your pet falls sick suddenly, you will not have to exhaust your savings to meet the medical expenses if you have insurance. Some pet owners make an exclusive savings account for their furry friends, but they may withdraw money from this account for petty expenses if they fall short of funds. This can be troublesome during an emergency if you do not have pet insurance.
  • It provides flexibility to choose the plan
    Pet insurance agents offer a myriad of plans and policies, and it is convenient for you to pick a plan that best suits your pet’s needs and your preferences and budget.

What are some effective tips for choosing the best pet insurance plan and company?
Given the perennial advancements in vet care, pets are blessed with longer lives. However, this brings with it an increase in the cost of owning a pet. Healthcare is a major concern for pet owners, so having pet insurance certainly proves helpful in planning your pet’s medical expenses and following your budget. Insurance companies offset the expenses you bear on your pet’s illnesses, injuries, and routine healthcare. So, here are a few essential tips to help you pick the best pet insurance policy:

  • Compare multiple policies
    Before you get an insurance policy, it is best to compare the plans provided by multiple companies, along with the associated costs. Making a thorough comparison can help you understand how the companies differ in terms of deductibles, premiums, plan details, and claims processes and percentages. It also makes it easier for you to pick a company that offers a value-for-money package at the least cost.
  • Check the insurance company’s record
    To be absolutely certain about the chosen provider’s reliability, you should spend some time to understand their track record and time in the industry. Go ahead only if the company has proved its stability over the years and has good customer reviews. You can also seek recommendations from your friends or colleagues who recently got their pets insured. Additionally, you must run a background check on the company and check for things like the number of years they have been providing insurance services and their financial stability to settle claims.
  • Find out what is covered in the policy and what isn’t
    Before enrolling for a particular insurance plan, get in touch with the company and ask them about the aspects covered under the policy and everything that you’ll have to pay for. Some insurance companies do not provide coverage for any of your pet’s existing health conditions, along with any congenital or hereditary conditions and those that might occur as a result of breeding. So, you must read through the insurance contract thoroughly before signing on the dotted lines. Understand everything mentioned in the contract, and reach out to the company if you have any doubts. And don’t forget to read the fine print and ask them when, why, and how often they plan on increasing the premium amount.
  • Pick a policy that best meets your needs and your pet’s healthcare requirements
    Know whether you want a pet insurance policy that covers the aspects of routine wellness for your pet, one that covers contingent care expenses, or a plan that covers everything other than hereditary illnesses. Routine wellness includes wellness tests and examinations, vaccinations, heartworm, and flea and tick prevention and treatment, while contingent care provides coverage for chronic and/or prolonged illnesses, surgeries, prescriptions, lab tests, and injuries and accidents. Before you opt for an insurance plan, it’s advisable to sit down with a vet and discuss your pet’s current health. You can ask them about any health conditions your pet might be exposed to and discuss any hereditary conditions that your furry friend is susceptible to. Be certain about what you need the policy to cover, and ensure that you pick what’s best for your pet’s health and your pocket.
  • Opt for a reimbursement plan most suitable for you
    Reimbursement is provided by pet insurance companies in either of two ways. The first requires them to pay out a specific percentage of the total expenses incurred, while the other involves the company having a yearly schedule listing out the allowances. If you pick the former, the pet insurance company will repay a pre-decided percentage of the total amount you paid to the vet. Many pet insurance companies provide reimbursements of up to 80% of the total medical expenses less the annual deductible, while you have to bear the balance.
    On the other hand, in the benefits schedule, each aspect included in your plan is listed out and allotted a certain amount of reimbursement. This amount is renewed annually. In addition, other factors like whether you opted for a yearly deductible or a deductible on a per-incident basis may also influence the reimbursement amount.
  • Review both the value and cost of the insurance policy
    There is no sense in investing in an insurance policy simply because it is affordable if it does not provide your pet with the required coverage. Ask yourself what your primary needs are and whether you need a policy for complete care, a wellness plan, or one that covers medical care? Your deductible and plan details will vary depending on the type of coverage.
  • Get your pet insured while they are still healthy and young
    To ensure that your pet gets unlimited coverage and bags the best benefits of pet insurance, get them insured when they are healthy and young. It will significantly lower the premium amount, which increases if you opt for insurance after your pet reaches a certain age.
  • Try to get a discount
    Pet insurance companies would be willing to give you a discount on the premium cost in some cases. Your chances of getting a discount are higher if you get more than one pet insured from the same company.
Disclaimer:
The content provided on our blog site traverses numerous categories, offering readers valuable and practical information. Readers can use the editorial team’s research and data to gain more insights into their topics of interest. However, they are requested not to treat the articles as conclusive. The website team cannot be held responsible for differences in data or inaccuracies found across other platforms. Please also note that the site might also miss out on various schemes and offers available that the readers may find more beneficial than the ones we cover.
Previous Article

5 common FAQs pertaining to Social Security Disability Insurance

Next Article

Benefits of AARP Medicare and supplement plans

Latest Articles

The Causes And Symptoms Of Carcinoid Neuroendocrine Tumors

The Causes And Symptoms Of Carcinoid Neuroendocrine Tumors

The causes and symptoms of carcinoid neuroendocrine tumors The neuroendocrine system can be described as a network of glands producing hormones that are carried into the bloodstream. There are different roles that these hormones play in the human body. The carcinoid neuroendocrine tumor is a very rare tumor that shows up in the cells of the neuroendocrine system. Around 80% of these tumors grow in the small bowel and the appendix. However, they can even grow in the lungs, pancreas, ovaries, stomach, testicles, and kidneys. These tumors develop at varied rates, and they are usually slow at developing. They might develop over several months and even years. Nevertheless, there are some tumors that tend to be highly aggressive. They can spread very quickly to other parts of the human body and can even result in serious issues. What are the causes of carcinoid neuroendocrine tumors? Experts are still not aware of the main causes of neuroendocrine tumors. However, there are certain conditions that might make you a victim of these tumors. These are called risk factors, and they are situations and diseases that you cannot control. Some of the most common causes of neuroendocrine tumors are as listed: Some diseases that are caused due to family history or genes passed to an individual through their family can increase their chances of having a carcinoid neuroendocrine tumor. Individuals with multiple endocrine neoplasia disease can be the victims of carcinoid tumors. This is a disease where tumors form in the cells, making hormones or chemicals that have a major effect on the actions of the body, such as sex drive, mood, and hair growth. Your age can have an effect on your chances of suffering from carcinoid tumors. There are certain NETs that have an effect on people of specific ages. The gender of an individual also has an effect on the risk for certain NETs. However, women have an increased chance of suffering from these tumors. The race of a person also has an effect on their chances of suffering from carcinoid tumors. The immune system in the body is its defense against all kinds of germs. Diseases or conditions that affect the immune system, such as organ transplant and HIV/AIDS, can increase the chances of neuroendocrine tumors in individuals. Excessive sun exposure can also result in neuroendocrine tumors. This is because the sun gives off ultraviolet rays that damage the skin DNA. This can result in the growth of cells in an uncontrolled manner, resulting in cancer. Studies have proved that smoking can also increase the chances of neuroendocrine tumors in people. What are the symptoms of carcinoid neuroendocrine tumors? Neuroendocrine tumors are generally diagnosed in people between the ages of 50 and 60. People with these tumors might experience certain symptoms, or they might not have any signs or changes in their body. The symptoms of neuroendocrine tumors include the following: Anxiety attacks High blood pressure Headaches A fever Rapid pulse Clammy skin Sweating Vomiting Nausea Heart palpitations Weight loss Flushing Severe diarrhea Wheezing Increased heart rate Appetite loss Sudden changes in blood pressure Always keep in mind that neuroendocrine tumors are rare and therefore the above-mentioned symptoms might be the result of other medical conditions. Nevertheless, it is important to consult a doctor if these symptoms persist for more than two weeks. What is the prognosis for carcinoid neuroendocrine tumors? If you go through carcinoid neuroendocrine tumor prognosis, you will be able to find that these tumors are either malignant or benign. The benign tumors tend to be small and can easily be removed completely, not to come back again. There are no symptoms produced if you are suffering from benign carcinoid tumors. The cells from these tumors do not spread to other parts of the body. The malignant or cancerous carcinoid tumors are large and can damage organs and tissues close to them. The cells of these tumors can easily break and enter the lymphatic system and the bloodstream to form new tumors. How can carcinoid neuroendocrine tumors be prevented? There is no way of preventing these tumors at present. However, quitting or not starting to smoke might reduce the risk of these tumors. It is important to maintain a healthy and balanced diet and a good lifestyle in order to prevent such tumors.
Read More
An Overview Of Cla Safflower Oil

An Overview Of Cla Safflower Oil

An overview of CLA safflower oil CLA stands for conjugated linoleic acid. It is high in good fats, i.e., monounsaturated fats and polyunsaturated fats. According to the National Institutes of Health, typically, CLA is found in foods like beef and dairy. However, it can also be found in small quantities in vegetable oils. Safflower oil is a oil produced from the seeds of a safflower plant; thus, it is a vegetable oil. Safflower plant is about 30 to 150 cm in height and each branch of the plant has about one to five flower heads with 15-20 seeds per head from which the oil is extracted. The plant is found in Kazakhstan as well as India, the USA, Mexico, and Argentina. Below is some information about CLA safflower oil. What are the advantages of using CLA safflower oil? The CLA safflower oil is a rich source of unsaturated fatty acids, namely, polyunsaturated fats and monounsaturated fats. These fats, commonly known as good fats, are required by the body to function well. The CLA safflower oil helps in improving memory and aids hormone regulation. This oil allows the body to absorb fat-soluble vitamins like vitamin K, E, D, and A. CLA safflower oil reduces inflammation in the body and also improves general health. It is a good way to regulate blood sugar levels in the body. Regular intake of CLA safflower oil improves blood cholesterol levels, thereby, reducing the chances of any kind of heart diseases. It contains vitamin E, which is great for skin issues like dry skin or even inflamed skin. However, you must perform a patch test before applying the oil all over the skin. How do you use CLA safflower oil in diet? The moderate use of safflower oil in your food will improve your metabolic rate, thereby, reducing your weight. The proportion of safflower oil intake would be dependent on weight-loss calorie requirement. For instance, a woman who needs to have 1200 calories daily would need 4 teaspoons of the CLA safflower oil. Men who are on a diet and need to consume 1600 calories would need 5 teaspoons of it. What are the side effects of CLA safflower oil? Most often people do not face any side effects from this oil if it is consumed or applied in recommended proportions. CLA safflower oil thins the blood so it could slow down clotting and could increase the chances of bleeding for those who have bleeding disorders or are undergoing some sort of surgery. People allergic to ragweed or pollen should not consume this oil as it could lead to an allergic reaction. Pregnant women should avoid it. Which are the best safflower oils of the year? As per CLA safflower oil reviews, the following brands have made the list of favorites among consumers this year: Renewalize Organic Safflower Oil – This is a USDA-certified brand and it is high in oleic acid. Renewalize Organic Safflower Oil is extracted using the cold pressed method that allows it to have a high amount of oleic acid, which is great for hair growth. Hollywood Safflower Oil – This is a great oil for cooking. It is the best when it comes to light heat cooking. The Hollywood Safflower Oil is available in a pack of one, three, or twelve, and it works well for pasta and as a drizzle over appetizers. It is good for cake mixes as well. Eden Unrefined – This brand of CLA safflower oil is organic and kosher, and it only has safflower oil. It works well for acne-prone skin and for cooking too. Dr. Adorable One Gallon – If you want to use CLA safflower oil especially for body massages, then this brand works beautifully as it blends well. You can take a generous quantity and apply it all over the body. It has no noticeable smell. However, this oil should be only used for external purposes. Spectrum Naturals High Heat – This brand produces the perfect CLA safflower oil for cooking. It has a smooth flavor that is ideal for cooking. The Spectrum Naturals High Heat does not have any artificial coloring, genetically modified organisms (GMOs), and other common allergens. It is much lighter than other oils, such as olive oil.
Read More
Top 10 Health Benefits Of Safflower Oil

Top 10 Health Benefits Of Safflower Oil

Top 10 health benefits of safflower oil Safflower oil is an oil that is extracted from the seeds of the safflower. CLA stands for conjugated linoleic acid. CLA is a type of polyunsaturated fatty acid. The CLA safflower oil has a number of health benefits; hence, it is being used as medicine by many people. CLA safflower oil can be used for treating a number of health issues and it is also used as a cooking oil. Continue reading if you wish to know more about the amazing health benefits of safflower oil, its side effects, and more. What are the health benefits of safflower oil? It is believed that safflower oil helps in boosting the immune system. This oil has properties that can protect the body from any kind of infections and it is considered to boost immune health. The CLA safflower oil is good for your heart’s health. When you are having heart-related health issues, your doctor will usually suggest you maintain a balanced diet, and it is important to keep it natural. Safflower oil is a natural oil that has omega-6 fatty acids, which are good for a healthy heart. The cholesterol levels of the body are also maintained using this oil. CLA safflower oil helps in losing weight. Shedding those extra pounds is not a simple task and you need to do a lot more along with exercise. Safflower oil is very good for healthy and shiny hair. If you are having dull, damaged, and dry hair, then this oil can be very helpful. Just massage a few drops of this oil into your scalp and it would increase the blood circulation in your scalp resulting in strong hair. When you have strong hair, why not have flawless skin? Yes, there are a number of products available in the market for flawless skin, but how many of them guarantee long-lasting results? Safflower oil can do that for you. You can check the CLA safflower oil reviews for skin and you will find the best reviews about this oil. It is good for joint pains as well. Massaging is one of the best ways to get rid of joint pains and massaging with safflower oil is a good option for better results. Diabetes is a health condition that needs to be treated with the right medicine. According to many studies, the omega-6 fatty acids are considered as the best option for controlling sugar levels in the body. It is also good for treating a migraine headache. Any health problems related to respiration can be treated using this oil. Menstrual pain and cramps in women can be treated with the help of this oil. Are there any side effects of safflower oil? There are no side effects of using safflower oil when used in moderation. This oil is strong and can cause irritation, so do not use it directly. You need to dilute with any carrier oil before you actually use it. What is the dosage of safflower oil that is good for your health? The dosage of CLA safflower oil usually depends on what kind of health issue you are treating. If you are using it to help reduce weight, then you can use it as cooking oil for at least six weeks. For this, you should consume at least one and a half teaspoons of this oil on a daily basis. How should safflower oil be stored for better results? Safflower has to be stored always in a dark place in an airtight container. Safflower oil can be kept in the refrigerator. In order to reduce the chances of oxidation, you should make sure that minimal air and light reaches the containers in which the oil is stored. You need to use the oil in just one or two months after you open the packing or oil tin.
Read More