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Myths About Pet Insurance

Pet Insurance is one of the oddest insurance policy and have many myth over this. some of the myths over this pet insurance are below

Myth #1: You can’t get an older pet insurance.
Fact: Because your pet is not a pup or kitten anymore doesn’t mean you can’t insure him! Pet insurance firms will often issue a fresh policy for pets up to 8 or 10 years old, occasionally older. Your premium might be greater than on a younger pet and some pre existing conditions could be excluded. Of course the best thing would be to en roll your pet when he is young and healthy in order to prevent pre-existing states.
Myth #2: Since my pet is well there’s no point buying pet insurance.
Remember, pet insurance is the only thing you can not buy when you want it the most! Why wait until after your pet becomes ill and you wish you had pet insurance? Why wait until your pet gets a pre-existing condition that pet insurance will not cover? However well your pet is today, there’s always a possibility your pet could fall ill or get injured. Pet insurance is designed to protect you against the unknown but you must plan ahead of time.
Fact: Your pet’s current state might be considered a temporary pre-existing condition but that doesn’t mean you can not get pet insurance to insure everything else. For instance, if your pet recently cut its leg badly and is still getting treatment, conditions relating to this cut may be excluded for your first year of insurance but if everything resolves and clears up you’ll normally be eligible for complete coverage again in the second and following years. Find out for sure and the best thing is to speak to the pet insurance company.
Myth #4: Pet insurance is only rewarding if you have an extremely energetic pet or an older pet that’s likely to develop problems.
Fact: That does not mean that younger pets can not get ill or injured while it’s a fact that an older pets will probably demand a greater degree of medical attention when compared to a younger pet. And only because a pet isn’t tremendously inactive doesn’t mean it can’t get ill. The reality is the fact that, just as in people, illness can hit even the healthiest pet and having pet insurance means you will always have the ability to receive the best care for your pet, not what you can afford.
Myth #5: Pet insurance just doesn’t pay. Fact: Unfortunately, there’s (or was) more truth to this than not. For the longest time pet owners only had the option of selecting from from a few pet insurance plans. These plans often capped claim payouts at ridiculously low amounts that left pet parents substantially out of pocket. But today pet parents have more choices and several plans now pay based on the actual vet statement which means you get a lot more back at claim time. Just make sure you ask how claims are reimbursed.
Fact: Setting aside a small amount each month can undoubtedly help. However there are two disadvantages to consider: one is that many people find it hard to save something every month, the other is that you may need to wait quite a long time before you’ve built up enough savings to pay for accident or a serious sickness.
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