Rising Cost of Cat Insurance

Rising Cost of Cat Insurance

The cost of cat insurance balances rising veterinary costs. As a cat owner myself I know firsthand about emergency visits to the veterinary clinic. A visit can easily cost me anywhere from $100-$200 in most cases. Sasha, my American short hair, has been part of my family for 9 years now. The fact that she is so old we have to be extra careful in what pet insurance coverage we get her. In most cases cats suffer from nutritional disorders affecting their weight. This condition leads to obesity which in turn leads to obesity related illnesses. You can bet your pocket book/wallet will receive a sever dent if you have to have your cat treated for the above. There are some things you can do to keep your cat healthy, safe and active. Provide lean nutritious food Clean drinking water Exercise Regular veterinary checkups There is no getting around it. There will be times when accidents happen. I am sure you may have experienced this with a family member. A drive to the emergency room is in the realm of possibility. Even diseases can creep up on your cat where treatment will have to be provided. The cost of cat health insurance is keeping vet bill in check. Vet bills are ever on the rise and our income doesn't keep up to par with it. Eventually the cost pile up and can become a strain on you and your family's finances. Have a good cat insurance plan should help curb the cost of unexpected treatment and extend the life of your cat. Types of Coverage Your Cat Should Have Your cat will need different coverage during the different stages of its life. Kittens need vaccinations Adult cats need preventative care Older cats need age related treatment These types of issues can be address with a simple cat insurance plan but what about cases of emergencies. Cat health insurance will keep your expenses low if any at all in cases such as these. Here are three types of coverage you should consider as I have. Wellness Coverage Illness Coverage Accident Coverage Wellness Coverage If you have a child then you may be familiar with the wellness visit your child gets at the doctor's office. Wellness coverage is sort of the same with your cat insurance. It's a holistic coverage that includes annual check-ups, vaccinations, spaying or neutering, and routing tooth cleaning. Illness Coverage Illness coverage expands on your wellness coverage. What you want to do here cover the most common illness that cats get (especially cats that go outdoors frequently). The common cat illness is as follows: Arthritis Conjunctivitis Ear Mites Feline Immunodeficiency Virus Feline Infectious Peritonitis Feline Leukemia Virus Feline Stress Fleas and ticks Hairballs Kidney Disease Lyme disease Urinary Tract Infection Now you have to remember that it may depend on where you live, the breed and age of your cat that will determine whether or not your cat insurance company will be able to cover your cat. The cost of cat insurance is affordable so check it out. by Sterling Rogers (http://www.best-rice-cooker.net/)

What About The Cost of Pet Insurance?

What About The Cost of Pet Insurance?

Can the cost of pet insurance curb the rising cost of veterinary care? The cost of veterinary care has seen a dramatic rise over the last few years due to advancements and improvements made in medical technology and treatments for pets. Nowadays pet owners are giving their pets the family treatment. When their pet falls ill or get injured they are more likely to be taken to vet for treatment by their owners rather than have them euthanized. Treatment and Bills Because of these new technologies and just simple fact of running a veterinary practice the cost associated with it as risen drastically. But at the same time with these new technologies Vets are able to perform radiation therapy to kidney transplants at costs ranging from $1,000 to more than $5,000. The diagnostic tools Vets use have become more sophisticated and more costly to use such as MRI's. With these new diagnostic tools exams are revealing problems that would have gone unnoticed and untreated. Tools and technologies such as these have pushed the inflation meter in the pet health care industry. According to the American Pet Product Manufacturers Association, Americans are expected to spend almost $11 billion on veterinary care in 2009. Even with these sky rocketing costs only 3% of the nation's estimated 71 million pet owners have pet insurance up from less than 1% in 1995. Pet Insurance Premiums Deductibles, Exclusions and Surcharges. Veterinary Pet Insurance, the largest pet insurer in the Unites Stated, serves 71% of the pet insurance market has seen sales grow at 28.6% annually since 1998. While they have seen such tremendous growth there have been many other pet insurance companies establish themselves. As affordable as pet insurance has become the cost of pet insurance can still be prohibitive for some. The premiums of pet plans vary depending on the type of policy chosen. The most comprehensive plans and routine care coverage will pay more, often up to $50 or more per month but the average cost of pet insurance is between $21 and $43 per month. The cost of pet insurance is determined by many factors, including: * Pet Insurer * Type of coverage * Policy limits * Geographical location * Type of pet (dog or cat) * Breed of pet * Sex of pet * Age of pet * Whether pet is spayed or neutered You have to pay close attention to the details of the policy deductibles, exclusions and surcharges. Pet insurance is a great idea but it's not the cure-all. * Cap limits to annual payouts, co-pays and deductibles are common place. * Pre-existing conditions, age and hereditary problems such as hip dysplasia are normally excluded, although Embrace Pet Insurance covers heredity and chronic conditions. * Premiums are also tied to the age of your pet. So the older your pet is the more you may have to pay. by Sterling Rogers (http://www.bestbrakepads.net/index.html)