Finding the Best Pet Insurance Policy

For those who are trivia buffs, the first animal to be covered by a pet insurance policy in the United States was the dog Lassie, the famous canine star of the 1950‘s television show. It was in 1982 that Lassie received the insurance policy from Veterinary Pet Insurance. Lassie was the choice for obvious reasons. In order to launch the new line of Veterinary Pet Insurance, a dog such as Lassie, who was very popular in the public’s eye, was the perfect subject for the first policy of this type.

It has been 25 yrs. since this first policy was issues and it has become one of the most popular segments of insurance today. Reports from the American Veterinary Medical Association show that Americans have spent around $24.5 billion on proper pet health care costs. How much are pet owner’s able to afford for their pet’s insurance? Would you be surprised to know that it could cost millions of dollars? Here are some pointers of how to find get the best insurance policy for your loving pet.

Keep your personal financial budget in your mind when looking at these types of insurance. This should be what decides which policy that you get. Small premium payments are a lot easier to make than larger ones. You could save back the amount that you spend each day on coffee to pay for your beloved pet’s insurance policy. There is no sense in paying thousands of dollars for this type of policy. People are very cost aware when it comes to paying insurance premiums now. Jobs are very hard to come by and money is very tight for most people. However, little sacrifices do have their own rewards. Regardless of what type of illness or accident is in your pet’s future, you could ensure its proper health care.

You have to consider such factors as genetic conditions of your pet and make an insurance company aware of such factors so that you can obtain proper coverage to include this. The worst policy would cost a huge amount of money and still not cover these conditions. It is a sad fact that pre-existing conditions are mostly overlooked with these policies. So if you find a policy that includes such conditions, then you should get it immediately.

Try to find a pet insurance policy which offers discounts for having more than one pet on the policy. This would save a lot of money instead of getting a separate policy for each pet. A multiple pet policy is much preferable. Also, you should find a policy which allows you to choose the veterinarian of your own choice. As a pet owner you know your pet’s needs and you should find a pet insurance policy which covers all of those needs.

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