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

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Savings Highway and the Legal Club of America have come together to offer Members a Family Legal Plan that covers your entire family as well as children under 25 and any dependents that may be living with you. With a membership you are able to use this service as often as you like, so when you or a family member have a legal concern, you can feel confident to pick up the phone, receive legal advice and not have to worry about the cost.

Members have access to over 20,000 Plan Attorneys that they can be called any time during normal business hours (8:30 AM to 7:30 PM EST) or visit a Plan Attorney to get unlimited legal advice about any new legal matter. The Plan Attorney will discuss legal questions with you or a member of your family and assist in reaching a solution to the issue. A Plan Attorney can review important legal documents, draft a simple will or write letters on the member’s behalf, ALL AT NO CHARGE!

FREE Services Offered by Family Legal Club Of America:

1. Unlimited phone consultations for each new legal matter
2. Face to face consultations for each new legal matter
3. Review of important legal documents (6 page max.)
4. A free simple will with free annual update
5. Help representing you in small claims court
6. Write letters on the members behalf
7. Make phone calls on the members behalf

Savings Highway gives you the power you need to handle your legal matters with FREE CONSULTATIONS! Plus, you’ll enjoy a Capped Hourly Rate!

Family Legal Plan Attorneys contract to never charge more than $125.00 per hour for legal care that goes beyond the free and discounted services. No competitor in the nation can make this claim or match Savings Highway Family Legal Plan. This is where the real savings begin.

After the free letters, calls and consultations take place, members and their attorneys will have to decide what course of action to take next. In some cases, members may not have a choice and litigation may ensue. This is the point in time at which the attorneys begin to charge the $125.00 hourly rate for legal care.

You will receive a great Discount on Contingency Based Cases! Your Contingency fee will be a 10% reduction of the state maximum rate or the attorney’s usual rate, whichever is lower.

If you do not have a will, you need one… especially if you have children. Now you can get your Free Simple Will done for FREE with your Membership! Save an immediate $200 with your Free Will today!

“Hi, I’m Walter Montford in Georgia. I used the Pre-Paid Legal Plan to Save over $30,000. Without the plan, I could not have afforded to keep up with the person I was in court with. Because of the plan, I was able to save Thousands and win the legal battle. I highly suggest you get a Savings Highway Membership, because you never know when you will need the help of a lawyer…and when you do, it could save you Thousands!” -Walter Montford, GA

As a member simply pick up the phone, speak to a customer service representative and then you’ll be put in touch with a participating attorney in your area. It’s that simple, it’s FREE and easy to use. Now you don’t have to be afraid to pick up the phone and get your legal questions answered, if you need to go to court, you’ll have great legal counsel and potentially save hundreds or even thousands of dollars… with Savings Highway Family Legal Plan.

For more information and other savings offered by Savings Highway Click HERE

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com
jimrochenj@gmail.com

We hear a lot about the 46 million Americans without health insurance, but rarely do we hear that more than twice that lack dental insurance. Dental care remains the most common unmet health-care need of children in the United States. Tooth decay is five times as likely to be found in children as is asthma, which, like most common illnesses, is covered by health insurance. But at least 26 million children lack dental coverage, more than twice as many as lack medical insurance, according to federal health statistics.

There are many communities with the U.S. that are still lacking in dental care coverage, either because of a lost job or not having enough money to afford insurance. Earlier this year, it was reported that Americans cited cutting dental insurance as a way to save money during the recession.

To combat that need, Savings Highway and AETNA joined partnership to offer Members a family discount dental plan with over 66,000 dental practice locations nationwide and the ability to save up to 50 percent on everything from general dentistry and cleanings to root canals, crowns and orthodontia. There are more savings to be had on routine dental services such as x-rays, fillings, specialty care such as orthodontics and periodontics where available.

Savings Highway Offers AETNA Family Discount Dental Plan and covers your entire family, you are able to use the discount dental plan as many times as you like!

There are no health restrictions, it’s easy to use and there is no predetermination of benefits required and no referral required to see a Specialist. Remember this is a Discount Dental Plan and not Insurance.

The Savings Highway Club is proud to provide family discount dental care to those with no access to a dentist or for those who have limited coverage. You can be assured that all dentists are credentialed and participate in a quality management program. After becoming a Savings Highway Club Member, simply present your card and save, no paperwork required, you pay the discounted amount at the time of your visit.

“My wife just saved over 50% on her dental bill! Steve, I just wanted to let you know that my wife went to the dentist for her 6 month checkup. The bill was $170. When she showed them the card, they told her to pay only $80. I am amazed at the savings!”- Nick Romeo

For more information on The Savings Highway Club Family Discount Dental Plan Click here

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com
jimrochenj@gmail.com

Would you like to know how to retire early in today’s economy? Are you going to retire at an age when you can still enjoy retirement or are you just hoping your job will stay around until you can retire? Now do this…TAKE CONTROL!

The crumbling economy, the volatile stock market and limp home assessments are affecting just about everyone, but people who would like to retire or are about to retire may be in the most precarious of positions and asking themselves, how is it possible to retire early in today’s economy? Are you looking for appropriate ways to respond? Then it’s time to learn more about what you CAN control and how you can better manage your personal finances.

Seeing your portfolio or your 401K lose value over a prolonged period is never easy, but it can cause even more worry if you’re relying on your nest egg or will be relying on it shortly. If you’re still working, will you have to postpone retirement? If you’re retired, will you have to reduce spending, cancel plans or look for a job?

“Social Security replaces approximately 41% of the average earner’s income at retirement and some forecasts predict a fall to 30.5%.” * (Source: “Social Security, Medicare and Americans’ Confidence in Their Retirement Future” Watson Wyatt Insider, September 2008.)

I don’t know how anyone can be prepared for what we’ve been experiencing recently with our economy. The current retirement-income system of defined contribution plans in which employees bear all the risk is ill-suited to the needs of the average Joe.

People haven’t been very good at building balances in 401K plans; they’re modest by any measure, most people are not experienced investors, (myself included) and their whole future well-being depends on the assets in these plans. When they’re hit by these huge fluctuations in the market, it must really put a knot in their stomachs.

Fear and concern are normal. The news is all around us, and it’s hard to ignore. People going into retirement are the ones who are most aware of their financial situation because all of a sudden it’s right in front of them. If you haven’t done a stellar job preparing for retirement, your options are fairly limited. You can work longer, live on less or work in retirement but you sure as heck don’t have to!

Let me ask you this, have you ever considered an internet business? If not, how come? There are so many benefits to having a home based business and this just might be the answer to the question: How is it possible to retire early in today’s economy? Make financial freedom a possibility for you.

With prices always on the increase, I chose to join The Savings Highway and created my own economy!

If in life one door closes…don’t be afraid to climb out the window…it may be worth the jump!

It is my mission to educate people and bring savings and financial wealth everywhere!

Retire early with me!

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com
jimrochenj@gmail.com