Pets
How to Choose the Right Pet Health Insurance Plan
By
Aug 26, 2008, 22:31

(ARA) - We all love our pets and for good reason. They provide a great deal of joy in our lives and offer unconditional love. That’s why whether it’s a routine annual exam, ongoing flea and heartworm control, or a medical treatment for cancer, a growing number of pet owners are making a serious commitment to give their pets the best health and preventive care available. But over time, this care can be expensive.

Recent studies show pet owners now spend $24.5 billion a year on veterinary services, over-the-counter drugs and other health supplies for pets. Tremendous advancements in veterinary technology have helped increase the life span of cats and dogs. For example, expensive medical treatments like cat scans, MRIs and chemotherapy -- services once only available for people -- are now being used to help save the lives of pets.

Pet owners’ beloved four-legged friends can sometimes face unexpected medical emergencies or illnesses, resulting in the difficult decision whether or not to spend thousands of dollars to save the life of their pet. Having pet health insurance helps allow pet owners to decide with their hearts, not their wallets, what’s best for their pets in their time of need.

But with so many plans out there, how do you know which one to choose?

Here are some factors to consider:

1. Insure young.

The best time to purchase pet insurance is when the animal is young. Many pet health insurance plans do not cover pre-existing conditions so it is best to insure your pet when it is a puppy or kitten. Insuring early can also provide coverage for certain initial veterinary procedures such as vaccinations and spaying/neutering.

2. What kind of coverage does the plan offer?

There are many different types of pet health insurance policies available. Some policies cover only accidents, some cover accidents and illnesses, while others offer coverage for accidents, illnesses and preventive care. The preventive care coverage can include certain customary annual costs of routine vaccinations, flea and heartworm preventative medications, routine annual physical exams and lab tests, and other preventive care as outlined in the policy.

3. Do I have to pay a deductible?

Just like with human insurance, different plans have different deductibles. PurinaCare pet health insurance, the first pet health insurance under the Purina brand, allows pet owners to choose from four different deductible options: $100, $250, $500 or $1,000. There is a 20-percent co-pay once the annual deductible has been met, and the benefit limit is $20,000 annually.

4. Are certain conditions excluded?

Pet insurance exclusions can vary depending on the policy chosen. Common exclusions include pre-existing medical conditions, cosmetic and elective procedures, fertility and pregnancy.

5. Can I use my own veterinarian?

It depends on the plan. PurinaCare pet health insurance, for example, allows pet owners to take their pet to the veterinarian of their choice, including veterinary specialists such as oncologists, neurologists and allergists, as long as they are licensed in the United States.

“Pet health insurance can help pet owners provide the best care possible for their pets in a time of need. However, less than one percent of pets are currently insured due to a lack of awareness of pet insurance, and dissatisfaction with current plan options. We are excited to use Purina’s pet expertise, innovation, brand trust and experience to deliver simple, comprehensive and easy-to-use pet health insurance that meets the needs of today’s highly involved pet owners,” says David Goodnight, D.V.M., president and chief operating officer of PurinaCare Insurance Services., Inc.

For more information about PurinaCare or to obtain a free, no obligation quote, visit www.purinacare.com.

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