Best Review - Top 5 Inclusions You MUST HAVE When Buying Pet Insurance

T

hinking about Buying Pet Insurance? There are five vital inclusions that you must have in your pet insurance plan that many insurers don't tell you about.

I bring your attention to this because I have seen so many pet owners (quite rightly) disgruntled and annoyed when they file a claim only to find that they are not covered. Without these Five essential elements in your pet insurance policy, you will be wasting your money because without them you will not be fully protected.

Additionally, you should be aware that while a few of the better pet insurance companies do have these components included as part of their baseline policies, others offer them as add-ons. (extra cost) Furthermore, some pet insurers do not offer ALL FIVE components in their plans at all. While most pet insurance companies offer policies that cover Dog & Cat Insurance, you need to ask them about coverage for the following conditions:

Injured Puppy
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Top 1

PET INSURANCE COVER FOR CANCER


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Almost 50% of older pets (over 10 years of age) die from cancer.
A very common disease, in fact one of the most common diseases veterinarians and pet owners are faced with is cancer. As well as being common, treatment of cancer is very expensive and can cause grave financial hardship for many pet owners.

It is impossible to know in advance if your pet will suffer from cancer so make sure to choose a policy without a 'Maximum Payout Per Incident' clause. These caveats will put a limit on how much compensation you will be entitled to for any single accident, injury or illness.


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PET INSURANCE FOR CHRONIC DISEASES


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Do not get a plan that excludes Chronic Diseases.
A very common disease, in fact one of the most common diseases veterinarians and pet owners are faced with is cancer. As well as being common, treatment of cancer is very expensive and can cause grave financial hardship for many pet owners.

It is impossible to know in advance if your pet will suffer from cancer so make sure to choose a policy without a 'Maximum Payout Per Incident' clause. These caveats will put a limit on how much compensation you will be entitled to for any single accident, injury or illness.

Just like us, many pets will fall foul of one chronic disease or another. Long in duration and slow in progression, chronic diseases are a real nightmare for pet owners and their pets. Chronic diseases may include conditions such as Heart Disease, Kidney Disease, Cancer and Liver Disease. Typically these diseases are not curable. Make absolutely certain select a policy that covers chronic diseases. This is very important.


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'CONTINUAL' COVERAGE OF CHRONIC DISEASES

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Be certain your plan includes CONTINUAL coverage for Chronic Diseases.
Chronic Diseases typically require continued treatment long after the diagnosis is made.
Chronic conditions demand on-going care and can involve significant costs for the life of the patient.


Top 4

HEREDITARY & CONGENITAL CONDITIONS


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Make certain your policy covers both hereditary and congenital conditions.
Conditions, such as hip dysplasia or Patella Luxation, can severely affect the your pet's health and often require expensive surgical treatment.


Top 5

INSURANCE FOR BREED / SPECIES SPECIFIC CONDITIONS

Almost all breeds/species are predisposed to certain medical conditions.
Ensure that the policy you select includes coverage for conditions that may likely emerge because of your pet's breed/species. Your veterinarian will be able to tell you about common medical conditions related to your pet.


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The Bottom Line... If your Insurance Company does not include these 5 vital elements as part of their Baseline Coverage, don't buy it!

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This Top 5 Inclusions You Must Have When Buying Pet Insurance has been created by our member Pet Insurance R... whose website you can visit here: Pet Insurance Reviews.
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Comments

a visitor's picture

I use to have the AKC and it

I use to have the AKC and it was horrible, then I changed to Embrace. I thought they were to good to be true. Yup another illusion of a provider and I am heart broke over it.

Things have changed and I am not so happy and no longer would ever recommend Embrace (who would have thought but it is true – they showed who they really are).

The customer service is friendly but the reason we have pet insurance is for that security for our beloved pets not for a friendly voice.

Embrace is no longer a stellar provider based on my experiences. I appealed a claim and the Chief Underwriter on behalf of RLI Corporation (Embrace) did not even have the right procedures referenced for the proper sides in her written “DENIAL”.

I really expected to have a review of appeal based upon accuracy not omissions and incorrect references. Clearly if the Chief Underwriter is not capable of that, no wonder things are as they are. You would at least think they would communicate accurate information when they tell you they are denying your appeal. That speaks volumes.

So heartbreaking to see what has become of Embrace, a provider I would recommend to everyone, well no longer — they also have loop holes.

Self fund your own policy, whatever you would pay in a premium put it in an account of its very own and utilize that and spare yourself the aggrevation that these Pet Insurance Companies state they will cover and then weasel out of. Paying them and the added care you pet needs for an Illusion of coverage and having inaccurate assessments. Really?!

I once recommended Embrace highly – never again — so when you see that Embrace is Amazing — roll it forward 1 year — the story is entirely different.

The insurance providers are out to cover themselves first and if you are LUCKY maybe your pet, but it is a roll of a dice.

Valentus