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Posts Tagged ‘finance’

postheadericon Health insurance is something almost everyone has, or strives to have

Health insurance is something almost everyone has, or strives to have. In addition, many people also get pet health insurance as well. Animals are a very important part of most families just like the rest of the family members and sometimes even more. Most people don’t realize that there are now many options out there for pet health insurance and most are much more reasonable and affordable than what we have available for ourselves.

Most pet health insurance policies cover all basic needed services such as spaying and neutering, de-worming, shots, and basic tests such as leukemia testing. Most of these pet health insurance policies offer different tiers to choose from depending on the age and specific needs of the pet. Rather than having to pay outright and break your pocket book for needed vet visits these policies enable you to make low monthly payments, and not owe anything at the time of the visit.

When checking out pet insurance reviews, going for the cheap pet insurance may or may not be the best idea depending on your pets needs. The cheapest pet insurance usually only covers the basic needs of the pet for example; vaccinations, de-worming, etc. When going through a pet insurance review make sure you get the level of coverage that is most accomodating to your needs as well.

Below is a list of the different kinds of coverage pet health insurance usually offers to aid in finding and selecting the best pet health insurance plan for your animals needs. Unfortunately pets just like people get health issues, and it’s just heart breaking when this happens and you’re not prepared or able to get your pet the help they need. Similar to our health insurance depending on the type of visit there may be added expenses that may need to be paid, but those can normally be taken care of at a later date in easier to pay monthly installments along with your pet insurance costs. This makes properly caring for your animals a lot more feasible.

When Does an Individual Not Need Pet Insurance?

This is a tricky question. For some, the cost of caring for a pet may be unjustified if the finances are above the individuals needs. In addition, some may feel that smaller pets, ie; rats, mice, frogs, etc. may not be the best canditates for pet insurance and the pet insurance cost may not be justified. This is also determined on an owner-by-owner basis and is strictly up to the pet owners discretion.

Another time when pet insurance is not needed is when a pet owner is completely capable of paying the vet bills without strain at any given moment. Many people have very healthy pets and only want to pay when the pet is sick or in need of treatment. This is completely o.k. for plenty of individuals. In general, pet insurance is for those who don’t want to pay a lump sum, but find it more affordable to pay ahead of time and be covered when the time is right.

Unfortunately there are many individuals that don’t take their pets to the vet at all. This can lead to undiagnosed illnesses, and a lower quality of health. For example, it’s very important to take your cats in for leukemia testing as it has become a common fatality among the feline society. Most kittens also require de-worming and de-fleeing which is very important to their health and development. We are offering here resources to some of the cheapest pet health insurance so that everyone can find a plan that can work for them and their pet.
The benefits for having pet insurance are abundant though unfortunately it may not be financially feasable for everyone at least it is to most. Below is an example of what a tiered plan may offer;

– Leukemia testing and shots
– de-worming
– de-fleeing
– spaying and neutering
– rabies vaccination
– heartworm testing
– fecal exam
– coronavirus vaccinations
– canine and feline distemper vaccinations
– Treatment and medication for illness
– Treatment and medication for injury
– Annual physical exam

* A plan like this would normally run you anywhere from $25 to $35 a month per pet.

This is an example of a well rounded option for a plan that includes wellness as well as continuing care and accidents which could be most important as they account for the larger bills and can never be planned for. There are also plans lower than the above. one such as this that is just strictly accidental coverage, which may be a good option for some as well that are not so much concerned with the costs of routine visits but are with the possibility of accidents. There are also of course plans higher than this as well that offer additional services to the plan, but for most this would be sufficient.

postheadericon Pet owner julie stern fukuhara, of palo, alto, ca, said her dog turbo (a “puggle” who is a crossbreed between a pug and a beagle) began acting strangely one evening

Pet owner Julie Stern Fukuhara, of Palo, Alto, CA, said her dog Turbo (a “Puggle” who is a crossbreed between a Pug and a Beagle) began acting strangely one evening.

“He was walking a little wobbly,” she said of her floppy-eared-pooch.

Although she was initially worried about Turbo, Julie knew if she had to take him to the vet, she wouldn’t have to agonize over finances because she had pet insurance for Turbo through Pets Best Insurance.

When the dog’s condition worsened, Julie decided it was time to take him to the doctor.

“He was walking really gingerly and tenderly,” she said of her usually-energetic dog.

After leaving the pet hospital with a clean bill of health, both owner and veterinarian scratching their heads, Julie took her beloved Turbo home to rest.

“By the time we got home, he had completely lost the use of his legs . . . in the morning he couldn’t move at all, so the doctor told me to go to the surgery center.”

An MRI later revealed Turbo had ruptured a disk and that fluid had begun to collect around his spine. Doctors recommended the dog go into surgery immediately.

“I said ‘go ahead—do it,'” Stern Fukuhara said of the costly procedure.

Even when the pet hospital gave her a jaw-dropping estimate of the cost beforehand, she had no reservations when it came to saving the life of her dog.

“I remember . . . in the back of my mind I was really relieved I had the health insurance,” she said. “I submitted the claim and they sent me a check right away.”

Julie said she received a reimbursement check from Pets Best Insurance before her credit card statement (which she used to cover the expense) even arrived in her mailbox.

“This would have been a really bad time to deal with more expense,” Julie said. “If we didn’t have insurance I would be so upset. I feel so lucky that I made that decision when he was a puppy.”

postheadericon Sharing your home with a cat is the greatest joy in life, as she offers you love companionship and loyalty

Sharing your home with a cat is the greatest joy in life, as she offers you love companionship and loyalty. Since we spend a lot of money on providing our cat with best medical and healthcare benefits, we need to search for a financial backing to reduce this financial burden. Cat insurance is policy that can cover overall medical and healthcare expenses of our loved cat; in fact, it can effectively reduce our financial burden, as it covers and reimburses all medical bills of our cat. Generally, these policies are tailored by taking your cat’s average age into consideration; therefore, premiums and financial benefits are determined after analyzing every aspect carefully. Definitely, these policies are affordable and never let you pay from your own pocket. Normally, these policies cost $ 2,000 to $ 6000 but the compensation amount depends on paid premiums and purchase value of the policy. However, a cat owner can be rest assured that his or her cat will get the finest medical and hygiene benefits and he or she will be immediately compensated for every injury and disease.

In fact, these policies help a cat owner in dealing with monstrous medical bills of his or her loved cat. Studies have affirmed that most of the cat owners have secured their cat’s life with cat insurance policy, as they are finding these policies highly beneficial and helpful in dealing with their cat’s medical expenses. Therefore, if you are one of those people who care for this sweet little creature, then get an insurance policy for your loved cat and provide her the best care during illness or injury. It is for sure that with this cat insurance policy, you will be able to afford the finest medical treatments and healthcare procedures for your cat.

With these policies, you will never have to borrow money for your cat’s treatment as it will cover all her medical expenditures from the very first day of buying the policy. Since people have become coconscious about routine check-ups and hygiene procedures of their cat, revised insurance policies also cover these expenses. There are few policies that cover medical expenses up to 90%, so that the cat owner never needs to cut down his or her cat’s routine expenses. It is quite true that illness or injury of your loved cat can take away your peace of mind therefore, buy a cat insurance policy for your cat and secure every aspect of her life.

When your cat is ill or injured you will need to take her to the expert veterinarian, so that she may feel better; however, this expertise comes with high cost but with these policies you can go for them without thinking about the arrangement of money. These cat insurance policies enable you to afford supreme healthcare benefits of your cat and never let you face the scarcity of finance. In fact, with these policies, you can also claim for vaccination and hygiene expenses of you cat, as insurance companies that offer these policies also work with a wide network of routine check up clinics.