Articles

What Is Pet Health Insurance

Don´t worry, you´re not the only one who´s not familiar with Pet Insurance. Only 3% of pet owners in the United States have pet health insurance for their dogs and cats. Pet health insurance provides coverage for the costs associated with healthcare for a pet. Pet insurance plans provide coverage for costs associated with taking a dog or cat to the veterinarian. Emergencies and health problems do not respect the family budget.… Read More…

Pet Insurance Glossary

AccidentAdministratorAlternative TherapyBehavioral ProblemBehavioral TherapyConditionConformational DefectCuredEnd of Life ExpensesHereditary, Genetic, or Congenital ConditionIllnessIncidentIncident LimitInjuryOccur or OccurrencePetPolicy PeriodPre-Existing ConditionUsual and Customary CostsSymptomTreatmentWellness CareAccident A sudden, unexpected or unintended action or event with a specific time and place that results in Injury to your pet. Administrator The company administering the policy. Alternative Therapy Treatment or medication that does not generally fall within the realm of conventional veterinary medicine including but not limited to the following types of therapy: acupuncture, chiropractic, holistic, homeopathic, hydrotherapy, physiotherapy or rehabilitative.… Read More…

5 Myths About Pet Insurance

The perception of pet insurance is wrought with myths and untruths. Pet Insurance helps pet owners to prepare financially for unexpected accidents and illnesses. If you are considering purchasing one of PetPremium pet insurance plans for your pet, it is important to not fall victim to misinformation. Here are the top five myths regarding pet insurance: Pet Insurance Providers Will Pick Your Veterinarian Unlike human HMO’s or PPO’s, pet insurance plans do not require that you visit a specific veterinarian.… Read More…

5 Things To Consider In A Pet Insurance Policy

Pet health insurance provides coverage for the veterinarian care to treat sick or injured animals. This helps you focus more on your pet’s care and less on your finances. Finding the right policy is important as it can help provide the best healthcare options for your pet and delivers the best value for the cost. Time spent comparing pet insurance can help you save money and help you locate the coverage you want for your four-legged friend.… Read More…

How Much Does Pet Insurance Cost

The answer to this question is not a simple answer. Like most insurance, pet insurance has many factors that can make your premium higher or lower. At PetPremium, we want to offer a range of pet insurance products to fit everyone’s budget. Pet Insurance Cost and CoverageHere is a list of the factors that affect the pet insurance cost of PetPremium pet insurance premiums: Species When reviewing insurance for your cat versus your dog, you will notice that our prices are cheaper for cats versus dogs.… Read More…

5 Things To Know Before Buying Pet Insurance

Many people find the task of shopping for pet insurance plans a little bit overwhelming. Getting familiar with a few things first helps the process go smoothly. Listed below are five things to know before buying pet insurance. Pet Insurance Cost The first thing people want to know about when considering pet insurance plans is how much it cost. The cost for plans can vary greatly depending upon coverage. There is a plan to fit nearly any budget.… Read More…

Best Pet Health Insurance Reviews

How to evaluate pet health insurance reviews ? Pet insurance can be a great investment for many families. Evaluating pet insurance reviews is an important step in the process of finding the right plan. Choosing a plan depends upon a number of circumstances. Different plans will suit different pets better. Age and veterinarian preference will have an influence on what type of plan to consider. Before purchasing a policy, pet owners should take the time to research reviews for pet insurance companies.… Read More…

Compare Pet Health Insurance

Good pet health is important for both pets and their owners. A pet health insurance plan helps you give your pet the best care possible. To help ensure good pet health for your four-legged friend, choosing the right pet health insurance plan is essential. Selecting the best pet health insurance plan to meet both your pet’s needs and your budget takes time and should include a careful review of all the details and options offered in the plan.… Read More…

How To Find The Best Pet Insurance

When finding the best pet insurance for your four-legged family friend there is a variety of ways. Here at PetPremium, we have compiled the steps, to help answer “Is that the best plan for me!” The Best Pet Insurance Plan for Me! Step 1: Decide on the Desired Coverage and Set a Budget Finding the best and most affordable pet insurance plan for you begins with deciding on your coverage and budgetary needs.… Read More…

How To Review Pet Insurance Plans

Pet insurance is a relatively new financial product, so people may not know what to look for or how to go about a pet insurance review. A pet insurance plan can be a good way to insure your pet in the case that a catastrophic illness or injury befalls your favorite animal. With the rising costs of healthcare for pets, a pet insurance plan might mean the difference between giving your pet the care it needs or not having the funds to make a difference.… Read More…

What You Need To Know About Pet Insurance

Becoming an informed consumer is the first step in choosing a pet health insurance plan for one’s pet. Most people want to know about costs, coverage, and providers. Listed below are the three basic questions to consider when learning about pet health insurance plans. How much is pet insurance?Which visits are covered?Which plan or provider is the best choice for you? How much is pet insurance? Pet insurance rates vary between different providers and plans.… Read More…

5 Things You Didnt Know About Cat Insurance

Choosing a cat insurance plan has never been easier. There are so many different care levels and coverage options available for a variety of budgets. Cat InsuranceListed below are five different things that most people don’t know about cat insurance. How much of the bill is covered by cat insurance?Most people want to know how much of their veterinary costs are actually covered. This depends upon the type of plan that is purchased.… Read More…

5 Things You Didnt Know About Dog Insurance

There are so many options to choose from when shopping for dog insurance. Choosing the right plan comes down to your individual needs as a pet owner. Becoming familiar with dog health insurance is the first step in choosing a right plan. What Percentage of Veterinary Bills are CoveredSome dog insurance policies can reimburse up to a percentage while others have a benefit schedule. When selecting your plan, think about how much you want to pay out of pocket.… Read More…

Cat Insurance

Your four-legged friend needs looking after just like everyone else. If your cat is injured or sick, you naturally want to give it the protection it deserves. Nevertheless, medical treatment for cats can be costly.  If your cat gets hurt or sick, cat insurance can help you afford necessary veterinary care. Why Cat Insurance? Cats have naturally inquisitive natures, which can occasionally get them into trouble. Kittens are especially vulnerable, trying to explore their new surroundings and establishing boundaries.… Read More…

Common Exclusions Of Pet Insurance

It is not unusual for new pet parents to wonder whether or not pet insuranceis a practical use of their money. Pet health is one of the most important considerations of any owner. Before making a decision, it is important that you understand what exactly a  pet insurance policy does and does not cover. Grooming– No pet insurance policy covers grooming since grooming is considered not medically necessary. If you choose to own a dog or cat that will need frequent grooming, you will need to factor this expense into your family budget.… Read More…

Do Carriers Drop A Pet After A Certain Age

PetPremium answers your questions about insuring your senior pets. Many owners are concerned that their pet will be dropped from its insurance when it reaches a certain age, but with PetPremium, your pet will never be dropped due to senior status. PetPremium wants to help keep your pet happy, healthy and protected at every age. The average lifespan of a dog depends on the breed and can range anywhere from 8 to 18 years, though most dog’s lifespan is approximately 13 years.… Read More…

Do You Need Pet Insurance

Pet health insurance is different than the other insurance plans you have. You pay a premium to the pet insurance company and they agree to reimburses a portion of the eligible medical costs for your pet in the event of a covered illness or injury. The first step in deciding whether you need pet insurance for your pet is looking at your family’s need. My Pet InsuranceIf your pet does become sick or is injured, will you need help affording the veterinary care required for its recovery?… Read More…

Does Pet Insurance Work Like A Ppo Or Hmo

Have you recently added a dog or cat to your family? If so, you may be wondering how pet insurance works. Unlike human HMOs and PPOs, there are no managed networks to deal with when purchasing pet health insurance. Pet Insurance BasicsWhen it comes to  pet care  and the use of insurance, you can use any veterinarian in the U.S. or Canada that you wish. Here’s how pet insurance plans work:… Read More…

Dog Insurance

For most of us, dogs are valued family members. If your pooch were to become ill or have an accident, vet bills for medical treatments could be very costly. That’s why it’s important that you fetch the right dog insurance. Dog insurance plans will help protect your dog and get the best possible care. Why Dog Insurance? Dogs are active, curious animals. They love to run, explore, sniff, and eat things that are not necessarily good for them.… Read More…

Dog Insurance And Cat Insurance Differences

One of the most entertaining debates in the world of pet ownership is the gentle competition between cat owners and dog owners. Cat lovers herald the independent nature and relatively low maintenance required by their four-legged friends. Dog lovers emphasize the childlike loyalty, physical exercise, and constant companionship that canines provide. An additional factor, though, heightens the debate between cat and dog owners: pet health insurance premiums. To the committed dog or cat owner, pet insurance may be essential.… Read More…

How Are Pet Insurance Rates Calculated

When looking at pet insurance, most pet owners realize that rates can vary from insurer to insurer. Let’s take a look at the factors that can affect a pet insurance rate. Base Rates of Pet Insurance A base rate is the amount of premium that an insurer will charge for its pet insurance product before taking into consideration other factors such as age, deductible or breed. Annual Limits Rating An annual limit is the maximum amount of money that an insurer will pay per year for expenses resulting from an illness or injury.… Read More…

How Does Pet Health Insurance Work

Pet health insurance plans help cover the expenses of unexpected illnesses or accidents should anything happen to your four-legged companion. These pet health insurance plans help owners provide the best medical treatment for their pets with less worry about cost. It’s important to know that these pet health plans do not cover claim form. Step 2 – You submit the itemized medical invoice along with the claim form to the pet insurance company and wait for reimbursement.… Read More…

Is Pet Insurance Worth It

First of all, pet insurance has great value because a pet insurance plan shares the financial risk associated with healthcare for a pet. In exchange for your premium payment, the pet insurance plan reimburses some of the costs associated with veterinary care according to the plan’s guidelines. Not every pet will suffer from an expensive illness or injury. However, unexpected illnesses and accidents do happen to pets and their families every day, and they can be a real budget breaker.… Read More…

The Benefits Of Pet Health Insurance

There are so many benefits to having pet health insurance. Making sure a pet’s routine veterinary needs are taken care of is so important. Unexpected veterinary expenses don’t have to be scary. A good pet insurance policy can help ensure your friends health is well taken care of. Regular and routine veterinary visits can help good pet health over the lifetime of a dog or cat. There are coverage plans that include emergency care.… Read More…

The Fine Print On Your Homeowners Insurance Policy

If your dog bites the neighbor, will your homeowner’s insurance cover it? Pet owners should not be so quick to assume that the answer is yes. If you own one or more dogs, dig out your policy and read the fine print. Whether or not your homeowners policy covers dog bites depends on the state  in which you reside and the terms and conditions of your insurance company. Your Homeowners Insurance Policy Fine PrintWhy pet owners need to read the fine print on their Homeowners Insurance Policy: Dangerous Dog Breeds Most insurance companies will ask if you own a dog during the application process.… Read More…

What Is A Bilateral Condition

When it comes to pet health insurance, it is essential that pet owners understand what a bilateral condition  is. A bilateral condition is a condition that can happen on both sides of your pet’s body. See other common pet insurance terms here. These conditions can bring with them a variety of restrictions: 1. Examples of Bilateral ConditionsBilateral conditions include hip dysplasia, cruciate injuries and kidney problems. Even if, the condition does not occur on both sides of the body at the same time, it may be considered bilateral if the same problem eventually arises on the other side of the body.… Read More…

Top 10 Questions About Pet Health Insurance

Q#1: Is this a smart decision? Aren’t the premiums so high it will cost me money in the long run? A: Remember that pet health insurance not only supports you financially for any major, unfortunate incidents related your pet, it also helps you and your pet significantly with preventive care costs like vaccinations and dental care. Following your vet’s recommendations in those areas could potentially save thousands. Pet owners who pay insurance premiums have an extra incentive to get the pet to the vet regularly, which can help prevent many illnesses.… Read More…

What Are Pre Existing Conditions

Pet owners often wait until their dog or cat has been stricken with an illness or injury, resulting in a hefty veterinary bill, before they seek out a pet insurance policy. They are consequently denied coverage on the basis of the illness or injury being considered a pre-existing condition. Pre-Existing Condition DefinedEach provider may define a pre-existing condition differently. The most common definition includes an illness or accident that shows symptoms, which may or may not have been diagnosed or treated, prior to the effective date of a pet insurance policy or during a waiting period.… Read More…

When Is The Perfect Time To Get Pet Insurance

We at PetPremium often get the question when is the best time to buy a pet insurance policy for my dog or cat? Even though pet owners who are considering pet insurance for their dog or cat frequently ask this question, the answer is quite clear and simple. Check out these Frequently Asked Questions about pet insurance. The best time to get pet health insurance for your dog or cat is before it’s needed.… Read More…

Pet Insurance Rates Petpremium

Just like other carriers providing Pet insurance, PetPremium, determines premiums based on risk. The lower your pet’s risk for developing an expensive medical problem, the lower the premium you will likely pay. Factors that influence your pet’s insurance premium include your location, your pet’s age, breed and species, your deductible, your co-pay and the amount of coverage you require. How PetPremium Determines the Rates Location Veterinary care is more expensive in some areas, like cities, than in others.… Read More…

Should I Buy Pet Insurance For My Pet

Are you prepared for the unexpected?“But doctor, how much will it cost to treat ‘Lucy’ and get her well again?” And then, “We just do not have the money to pay for the treatment and surgery ‘Lucy’ needs today.” I cannot count the times I watched good people with good intentions painfully utter those words. Sure, there were occasions when an attempt at bargaining was the motivation. But, many times it was the plain truth.… Read More…

Pet Health Insurance

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Affordable Pet Care

Caring for a pet is expensive, and veterinary bills account for a large portion of the cost of pet ownership. Even for healthy dogs and cats, yearly medical costs average between $160 and $260 according to the American Society for the Prevention of Cruelty to Animals. For pets with chronic illnesses, costs are considerably higher, and a single accident or catastrophic illness can result in a veterinary bill totaling hundreds or thousands of dollars.… Read More…

Aspca

ASPCA ASPCA Pet Health insurance is underwritten by United States Fire Insurance Company and offered by the Hartville Group, Inc. ASPCA® (American Society for the Prevention of Cruelty to Animals) which has a long history and was America’s first animal welfare organization. It was founded by Henry Bergh in 1866 in order prevent animal cruelty. Hartville is dedicated to pet health and adhering to the ASPCA®’s norms for the humane treatment of animals.… Read More…

Your pet would choose PetPremium

We are more than insurance. We help keep your pet healthy and save you money.

Great health means lower costs in the short and long term which means better insurance.

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