The Savings Club

Pet vet insurance has been increasing in popularity over the last years, due largely to the advances of veterinary science. Vets today can offer treatments and procedures that were unheard of just a few years ago, such as radiation therapy, transplants, and MRIs. You guessed it… these new pet treatments aren’t cheap! Vet costs have risen over 70% in the past five years, to over $19 billion last year. If you own a pet, you know just how fast the vet bill adds up.

Pet vet health policies are similar to human insurance policies; annual premiums, deductibles, and various coverage based upon what the owner chooses. Most plans also have co-pays and caps that limit how much will be paid out annually.

Items to be aware of when choosing pet vet insurance for Fluffy:

- some policies won’t cover older pets

- certain breeds are excluded from coverage

- pre-existing conditions might be excluded

- most insurers offer a multi-pet discount

Pet vet policies vary greatly, depending on the animal and the various packages that the owner can select from. Some packages are comprehensive, including such things as annual checkups and vaccinations, spaying/neutering, death benefits and even reimbursement for offering a reward for lost pets. Other plans cover only accidents and illness.

Let’s compare various Canadian pet vet insurance policies.

Pethealth: Accident Only $9.95 $50 deductible; Up to $2000 for selected accidents. No illness coverage Rating 4.08

Petsecure Secure 1: $21.41 Accident coverage to $1,000 per accident, illness coverage to $1,000 per condition. Up to 80% coverage for approved claims. Three annual deductible options to choose from. Dental coverage to $200, alternative treatments, behavioral therapy and medical devices to $350. Member benefits include; boarding kennel fees, lost pet advertising, holiday cancellation and cremation or burial to $1,000 per incident. Rating 9.33

Pethealth Gold: $22.95 $50 - $75 deductible. Pays 70% - 100% of approved claim depending on monthly rate. Boarding Fees to $250. Finder’s Reward to $150. Double illness coverage available. Rating 4.08

Petsecure Secure 2: $26.82 Accident coverage to $2,500 per accident, illness coverage to $2,500 per condition. Up to 80% coverage for approved claims. Three annual deductible options to choose from. Dental coverage to $300, alternative treatments, behavioral therapy and medical devices to $350. Member benefits include; boarding kennel fees, lost pet advertising, holiday cancellation and cremation or burial to $1,000 per incident. Rating 9.33

Pethealth Preferred: $34.95 $100 deductible. Pays 70% on approved claims. Covers all accidents and illnesses; death to $500; kennel fees to $250; advertising and reward to $150; euthanasia to $100
Rating 4.08

Petsecure Secure 3: $40.68 Accident coverage to $5,000 per accident, illness coverage to $5,000 per condition. Up to 80% coverage for approved claims. Three annual deductible options to choose from. Dental coverage to $400, alternative treatments, behavioral therapy and medical devices to $350. Member benefits include; boarding kennel fees, lost pet advertising, holiday cancellation and cremation or burial to $1,000 per incident. Rating 9.33

Vet Insurance: $33.85 No deductible. Pays 90% of an approved claim. Rating 8.64

Petsecure Secure 4: $65.30 Accident and illness coverage is unlimited. Plan includes preventive care coverage. Up to 80% coverage for approved claims. Three annual deductible options to choose from. Dental coverage to $600, alternative treatments, behavioral therapy and medical devices to $350. Member benefits include; boarding kennel fees, lost pet advertising, holiday cancellation and cremation or burial to $1,000 per incident. Rating 9.33

Petsecure is the largest pet vet insurance company in Canada, founded in 1989, offering pet vet insurance in every province and territory. They are no longer associated with the Petplan brand. You can see any vet in Canada but there are pre-existing clauses. “Secure for life ” guarantees coverage for the pet for life and there is a wellness program option also.

Basically, Petsecure offers one, comprehensive plan with four levels of coverage. Level Secure 4 provides for preventive annual wellness care (blood profile, urinalysis, vaccinations, heartworm flea/prevention, heartworm testing, fecal test/routine de-worming) and ongoing lifetime wellness care (vaccinations, spay/neuter, microchip, dog dew-claw removal).

If you are interested in a free quote Click Here.

Angie Mitchell

angie@amitchellonline.com

Skype: angiebt79828

http://amitchellonline.com

My Blog

http://prlog.org/10507000
http://www.pubarticles.com/article-pet-vet-insurance-comparison-petsecure-angie-mitchell-126461125.html
http://amitchellonline.com/?p=46

Pets are like family, so when emergencies occur we will often spare no expenses. We shouldn’t have to pay extreme amounts out of pocket, however. Getting the best pet insurance coverage you can afford can help pay the vet bills for the things that tend to happen to our pets, like gastric torsion! After reading the horror stories below of pet owners, you’ll no doubt be thinking about purchasing pet insurance soon if you haven’t already.

1. Everything was going just dandy for Virginia Jackson and her 4-year-old Rottweiler, Nigel when suddenly he needed emergency surgery for gastric torsion. She explained how difficult it was for her to pay $4,965.60 out of pocket for diagnostics, surgery and treatment. Unlike many other pet owners, however, she was able to breathe easy because she had the best pet insurance she could afford for Nigel. Soon after filing a claim, her pet insurance plan reimbursed her $2,735.10. Otherwise it would have been a very hard pill for her to swallow.

2. Sheena, my lab became suddenly ill. A large bump was discovered in her chest. I scheduled an appointment with her vet… Unexpectedly, I had to leave the office without my angel because the vet informed me that she had a tumor that required immediate removal. Knowing that I had the very best pet insurance plan was a tremendous relief - I was so distraught at having to leave her that the last thing I needed to worry about was a $1,500.00 bill! Less than 2 weeks later, a cheque arrived from my pet insurance company to reimburse me for every penny! (minus the deductible) I highly recommend others to consider pet health insurance. Pet insurance truly does provide peace-of-mind at a time when all you care about is the safety and health of your beloved pet.

3. Our dogs love to run around our property, however sometimes they come home with cuts and abrasions. It made us wonder what we would do if something more serious happened. We considered pet insurance as recommended by our veterinarian and thought it sounded like a good idea…so we bought the best pet insurance we can afford and well, turns out, it was a great idea! One day Charlie came home vomiting. He had hives and trouble breathing. We were terrified. We rushed him to the veterinarian, who said he must have eaten some type of poison. He was treated immediately and now Charlie is back to his healthy self. It helped knowing that any costs we were to incur were covered by our pet insurance.

Don’t delay until you’re sitting at the veterinarian’s office and it becomes one of those – “would’ve, could’ve, didn’t” situations – insure your pet today and purchase the best pet insurance that fits your budget and rest a little easier knowing that if something does happen – you’ve got coverage.

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Angie Mitchell
angie@amitchellonline.com
(604-883-2218)
Skype: angiebt79828

My Blog

http://prlog.org/10492092
http://www.pubarticles.com/article-best-pet-insurance-canadian-petsecure-angie-mitchell-1263780922.html
http://www.free-press-release.com/news-best-pet-insurance-canadian-petsecure-angie-mitchell-1263781588.html