A recent survey estimated that the average dog owner will visit the vet two-three times a year and spend an average of two hundred dollars. Pet owners who have cats will spend a little bit less. That estimate is for the normal routine stuff like sterilization (spaying or neutering), vaccinations, worming, and a heartworm test; you’re normally in and out of the veterinarian’s office in approximately fifteen minutes. It’s hard to imagine what the trip to the veterinarian’s office would cost if your pet was suffering from a really serious medical problem such as benign tumors or a broken leg. |
Approximately three percent of pet owners in the United States have decided that the best way to deal with financing their pets vet bill is to purchase pet health care insurance. Pet health care insurance is similar to human health care insurance. The pet owner pays a monthly premium and when the pet has to go to the veterinarian’s office the insurance company will pay a certain percentage of the bill minus the deductible.
You love your pets. They are the first things you see when you wake up in the morning. They lay at your feet while your eating breakfast, they run with you as you get your early morning exercise, they look heart broken when you leave them behind, when you get home from a long day at work they are so happy to see you that they can hardly contain their joy, they listen attentively as you rant and rave about the trails and tribulations of your day, at night they crawl into bed with you and keep the nightmares at bay while you sleep. What they don't do is criticize you, judge you, or abandon you.
Before you purchase a pet health care insurance plan for your pet, check the list of the companies approved veterinarians to see if your veterinarian will accept the companies check.
Ask your local veterinarian what type of pet health care insurance plan would best suit your family pet. Ask your local veterinarian to read over the plan and listen to their advice. Talking to your local veterinarian will also help you establish if the insurance company you are considering purchasing your pet health care insurance plan from is reputable.
If you have purchased a pet that is as of yet unaltered you'll want to look for a pet health care plan that includes neutering and spaying.
Before you pay for a pet health care insurance plan you need to carefully read how the policy handles prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. If you are concerned about the cost of any prescription your pet might need during the course of its life you should probably consider buying a prescription coverage rider to complement your pet health care insurance. Although this rider may appear expensive and unnecessary you'll probably wish you had purchased it if your pet is ever given a prescription for anything. Just like the human counterparts prescriptions are very expensive.
One of things you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The deductible is the amount of money you pay out-of-pocket for veterinarian services rendered that your pet health care insurance plan does not cover. Different pet health care plans require different deductibles. The higher a the deductible you choose the lower your monthly payments to the insurance company but the higher deductible the more out-of-pocket extension had each time you visit the veterinarian's office/clinic.
Looking at a policy does not mean that you have to walk away from it. If you are a clever bargain shopper there are ways to find pet health insurance at a low cost.
Any dog who has the developed an irritation in their eye that causes them to square to produce extra tears is called a "squinting dog". Most cases of squinting is caused from a minor irritation such as an in turned eyelash or minor scratch to the cornea. However some cases of squinting dog has led to the early diagnosis of diseases such as cancer and Blastomyosis. The Dermoidis is a benign corneal neoplasam. It is sometimes referred to as the third eyelid. Hair growing from the Dermoidis can irritate the dog’s eye which can cause discharge and occasionally cause an ulcer to appear on the eye.
Once you have seen a person or animal with cataracts you will always be able to diagnose them. The official definition of a cataract is opacity of the lens. When you look into an eye that has a cataract it looks as if a darkly tinted contact lens has been placed over the lens. If the cataracts become too thick the pet will go blind. Shar Peis. Cocker Spaniels, Labradors, and Rottweilers are susceptible to eye condition called Entropion. Entropio, happens when an eyelid fold inward toward the eye and causes the eyelashes to brush against the cornea. The irritation of the eyelashes rubbing the cornea generally gives the eye a squinty drippy appearance. Bulldogs, Poodles, and Cocker Spaniels are often diagnosed with a condition called Cherry eye. Dry eyes is the term used to describe the eyes of a dog that isn’t producing enough tears. Lhasa Apso, Pugs, and Shih Tzus are breeds that are particularly susceptible to dry eyes. Dog owners should bring their dogs to the veterinarian as soon as they notice any of the following conditions; squinting, tearing, pawing at the eye, cloudiness, bloody eyes, a blind eye (this can happen very abruptly), constantly dilated pupils, and swollen eyelids. Dog owners need to understand that early diagnosis is often the key to preventing further eye issues.
If you are considering a comprehensive health care insurance plan ask if the plan covers teen veterinarian visits such as; dental care, immunizations, and heartworm testing. Also ask if the pet health care insurance plan also covers the office call.
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Pet health insurance is one way to prevent veterinarian bills from becoming overwhelming. Pet health insurance is insurance pet owners purchase to help cover veterinarian bills similar to human medical insurance. The chances of a pet owner being able to purchase a pet health care at the same health insurance company where they purchase their human health insurance is slim. Most pet owners will find that they have to go to a separate insurance company that specializes in pet health insurance.
Copyright © Anne-Marie Ronsen
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