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Tuesday, October 30, 2012

Myths about Pet Insurance - courtesy of Petfinder

Pet Insurance Myths and Rumors

Pet Insurance

Pet insurance is a tool to help pet parents avoid a financial crisis due to unexpected veterinary expenses from accidents and illnesses. Our pets have become a part of our family, and just like the rest of our family, we want to do everything we can to keep them healthy and happy. Pet insurance makes that possible.
With the advances in veterinary medicine and the higher cost of treatments, pet insurance allows pet parents to give their pets the best care available while controlling costs. New treatments have been developed to treat diseases that previously resulted in euthanasia, but these treatments can be expensive. Pet insurance allows pet parents to not feel guilty because they are not able to afford their pet's healthcare. With pet insurance, they can seek the care their pet needs because they know they will be reimbursed for the cost of the procedures and treatments.
If there is a myth or rumor we do not address about pet insurance, please contact us. We will be happy to give you the facts so you can make the best decision for your pet.

MYTH 1: Pet insurance is too expensive

While plans with additional riders and high reimbursement amounts can lead to a high monthly premium, PetFirst offers plans that fit all pet parents' needs and budget.
PetFirst offers all visitors an exclusive, low-cost introductory plan,Standard 500, for only $5 the first month and $14.95 each month thereafter. This provides $1,000 of accident and illness coverage, up to $500 per-incident and reimburses pet parents 100% of vet bills after a $50 deductible. This plan is available for all dogs or cats, regardless of breed or age.
For pet parents who are interested in lifetime care for their pet, including chronic or hereditary conditions such as hip dysplasia, diabetes or cancer, PetFirst offersLifetime Accident & Illness plans. These Lifetime plans offer $5,000; $10,000 or $20,000 limits for accidents and illnesses, which reset each year and do not have any per-incident restrictions. With customizable deductible and reimbursement amounts, pet parents will be able to find the perfect coverage for their budget.
PetFirst knows many pet parents provide loving homes to several pets and we are one of the only companies to provide multiple-pet Family Plans, to make providing coverage for your entire fur-family cost effective.

MYTH 2: Pet insurance is only for sickly pets

Pet insurance is a product that only works preemptively, and all pet insurance providers exclude pre-existing conditions. Pet insurance is meant to protect your pet against potential accidents and illnesses. Certain breeds are more predisposed than others to specific illnesses, which can encourage the purchase of a policy, but all pets have the risk of having an accident or coming down with an illness. It isn't a matter of if they will become hurt or sick, it is just a matter of when. Just like the rest of your family, pets need to be covered beforehand. The best time to purchase pet insurance for your pet is when they are healthy.

MYTH 3: Pet insurance has too many exclusions to be worth it

Pet insurance protects against countless accidents and diseases your pet may encounter. Most pet insurance providers have exclusions in place in order to keep monthly premiums low and affordable, and PetFirst is no exception. The most common exclusions are pre-existing conditions, hereditary, congenital and chronic conditions. The cost of covering these conditions greatly expands the cost of pet insurance coverage, as these conditions are not only expensive, but last the duration of your pet's life.
In order to provide pet owners with more options, PetFirst introduced Lifetime Accident & Illness plans that offer coverage for hereditary, congenital and chronic conditions. PetFirst also offers optional riders that cover several of our exclusionsStandard Accident & Illness plans.

MYTH 4: You cannot choose your own vet

While some pet insurance providers are little more than veterinarian networks or discount clubs, PetFirst is usable at any veterinarian office in the United States. This includes specialists and urgent-care clinics. PetFirst has made a public promise to veterinarians to not promote managed-care principles or animal-hospital networks because we feel each veterinarian should have the right to set his/her own price.

MYTH 5: Pet insurance is a hassle

PetFirst prides itself on making all aspects of our insurance easy to understand. From pricing and purchasing to filing a claim, we make it simple for you to manage your pet's care. Claims can be submitted via email, fax or mail, and it only takes about 10 days to process our policyholder's claims and send reimbursement.

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