Pet Health Insurance
Pet Insurance policies are similar to human health policies in many ways. In a human health insurance policy one gets insured for all medical expenses like accident, serious illness, dental, etc. Similarly in a pet health insurance one gets one's pet insured for medical expenses.
In a human health insurance one can choose from the various policies available. Similarly in a pet health insurance one can choose from the different policies available to secure the health of your pet.
Below are some examples of the different policy covers.
- Routine Care Coverage
- Pet Major Medical
- Cancer
Routine Care Coverage is designed to detect and prevent serious medical problems. This coverage includes annual physical exams, vaccinations, spay/neuter procedure, teeth cleaning, prescribed medicine for flea control, heart worm detection and treatment, etc.
Pet Major Medical covers more serious problems like accident or illness. This coverage includes surgeries, hospitalization, MRI, CAT Scans, X-rays, accidents, serious illness, etc. This insurance helps the pet owner take the right treatments required rather than worry about money.
Cancer is detected in dogs and cats. The treatment for cancer costs a lot of money. This coverage includes chemotherapy, post-treatment medications, nutritional supplements, radiation treatment.
The other covers are:
- Third Party Liability: This covers the financial requirement if a legal action is taken for any damage caused by your pet.
- Advertising Cost: The advertising and reward costs, if your pet goes missing is included in this cover.
- Complementary Medicine: If a complementary medication is very much required for your pet then it gets covered under this policy.
- Overseas travel: If you are planning a trip abroad and want to take your pet along, get an overseas travel protection.
- Boarding Cost: If under any circumstances your pet needs to be hospitalised, then certain amount of the boarding is paid by some policies.
- Holiday Compensation: If your pet falls ill or meets with an accident and you need to hurry back home to your pet from a holiday, some policies will pay out a certain amount as a compensation.
- Loss or Death: Some insurance policies would pay you compensation if your pet is lost or dies. Some insurance policies also pay for the crematorium or burial.
However, always check with your pet insurance providers.
Pet Insurance does not cover pet foods, grooming, elective and cosmetic procedures, congenital and hereditary defects, etc.
In a human health insurance one cannot get insured for the previously existing medical condition, similarly in a pet health insurance, a pet cannot be insured for any medical condition existing prior to purchase of the pet insurance.
Like in a human health insurance one can claim after paying from ones own pocket or can directly notify the insurers to pay the third party or hospital, in a pet health insurance the same procedures are followed.
A Pet Health Insurance is as important as a Human Health Insurance. Pet Health Insurance secures your pet's well being.
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