Welcome to your-pet-insurance.com

Pet owners usually purchase a pet insurance policy to pay the bill for serious veterinary treatment which can become quite expensive. In extreme cases the pet owner has no alternative but to put the animal down because they cannot afford to pay for the treatments or procedures to save the animal. When you take out a pet insurance policy, this situation can be avoided and gives you the financial peace of mind to nurse your pet back to perfect health since the insurance company will pay the medical expenses.

Like any other health insurance policy, pet insurance will work with the pet owner to prevent something bad from happening and is not just there when a bad health situation or accident occurs. Many of the policies available cover routine surgery such as neutering or spaying as well as vaccinations. The veterinary cost incurred will be paid for by most pet insurance plans if your pet becomes ill or has an accident.

Third party protection can also be provided by your policy and can cover damage caused by your pet to other individual’s property.

More affordable than you might think, pet insurance is not as expensive as human health insurance and if your pet falls ill or is injured in an accident, it might come in very handy and may even save your pet’s life.

Pet insurance is an offering that allows pet owners the chance to manage unknown financial risk associated with the future healthcare cost of their pet through the payment of a simple, affordable monthly or annual payment. The best way to save money on your pet insurance is to research online and compare prices.

This website is a good starting point for your pet insurance research and purchase. We invite you to look around and we wish you and your pet the best.

By: JanetM
I would like to get pet insurance for my dog but I'm going crazy trying to decide what company/s are reputable. I don't want any hassels if my dog becomes ill and they won't pay. Its my understanding they could come up with a 1000 reasons not to pay. That's scarey when you can't afford the enormous vet fees. Undecided in NJ
By: Jack Stepongzi
Pet insurance has been increasing in popularity recently, due in large part to the advances of veterinary science. Vets today can offer treatments and procedures that were unheard of just a few years ago, such as radiation therapy, transplants, and MRIs. However, these new treatments are not cheap; veterinary costs have risen over 70% in the past five years, to over $19 billion last year. Pet health policies are similar to human insurance policies; annual premiums, deductibles, and various coverage based upon what the owner chooses. Most plans also have co-pays and caps that limit how much will be paid out anually. Items to be aware of: Some policies won't cover older pets Certain breeds are excluded from coverage Pre-existing conditions are normally excluded Mmost insurers offer a multi-pet discount Policy costs vary widely, depending on the animal and the different packages that the owner can choose. Some packages are comprehensive, including such things as annual checkups and vaccinations, spaying/neutering, death benefits and even reimbursement for offering a reward for lost pets. Other plans cover only accidents and illness.
By: cheryl
Erich, Just wondering what pet insurance did you go with? Petplan or Embrace?
By: Erich Riesenberg
Sorry, one more thing, with reading Embrace, be mindful of the continuing care option. Continuing Care Reimbursement Limit The maximum reimbursement you can receive in any given year for chronic conditions is 25% of your policy maximum. For example, if you choose $10,000 as your annual maximum then your continuing care coverage provides up to $2,500 (25% x $10,000) of protection against any chronic conditions that your pet required treatment for. That doesn't seem to be the case with Petplan. I think that is a big difference from human insurance, for conditions which occur while a policy is in force to then be considered pre existing even if the policy is continuously renewed. http://gopetplan.com/WhyPetPlan/CoverForLife.html
By: Erich Riesenberg
Also, petinsurancereview.com was helpful in reading comments by other insurance shoppers and it allowed me to get multiple quotes, which helped highlight cost and coverage differences. Embrace might be a second choice, but the price was a tiny bit more for less coverage, at $10,000 per year and a 10% co-pay.
By: Erich Riesenberg
The cheapest plan I have seen for major medical is Petplan at gopetplan.com It cost about $187 for a year old dog, $20,000 per year, $200 deductible and 0% coinsurance. I am not concerned about a couple hundred dollar bill, it is the several thousand dollar or chronic condition I would want to avoid. My five year old would cost quite a bit more, so not sure if I will get it, but for the cost Petplan still seems the least expensive.
By: Lynn
The way I see it, you do need to have the money [or credit card funds] up front, but the insurance is a little back-up that softens the blow of the cost of pet care.
By: straybaby
Comment by Christie Keith ? January 15, 2008 @ 11:24 am yeah, age was one of the issues when i was sourcing insurance in the past. i had 5 cats over 8 or whatever the age was. right now i have 3 (15, 15, 8, 4, 2). and my dog is getting close to cut off on some with her 'real' age. some of her shelter papers have her listed as 4yrs older than she is, but that will now come in handy to avoid vacs, lol!~ she's either turning 6, 8 or 10 next month! i don't think pets best is available here. i seem to remember checking someone out during the recall.
By: Christie Keith
<i>8. Bone Cancer $1,059</i> Even if you add a zero, it's not close to the $14,000 I spent on Raven.
By: Christie Keith
<i>. I?ve checked into what was available several times since, and always found that the policies were overpriced and had too many exclusions, especially age exclusions. They were cutting off at something like age eight! My guys are just getting started at that age.</i> Pets Best took my senior dog Rebel when no one else would... he was 8, just turned nine a couple of weeks ago. He's been insured with them since last March. I found this out when I went to change my Borozi, Kyrie, from VPI to Pets Best when Pets Best announced they'd waive the deductible for their clients suffering from eating recalled foods. I thought that was classy and checked them out. And found to my shock that they, unlike every other company I applied to even a year earlier, would insure Rebel.