Veterinary Pet Insurance

July 11th, 2009 by admin

Veterinary Pet Insurance can cover a wide array of pet health issues, and if you drive with your pet quite often, travel with your pet or drive long distances with your pet, you should know what will be the best policy to cover any issues should you be in a car accident with your beloved pet.

I recently saw an accident that involved some large dogs in the back of a pickup truck.  It was sad and so tragic to see the owner/driver so distraught over his beautiful dogs which were obviously injured in the accident.  Another passenger with the driver was being consoled by a police officer who had arrived to the scene of the accident.  This can happen to any pet lover that travels or drives with their pets, even when the pets are properly restrained and you take every effort to keep your pet safe.  You simply cannot know at any time getting into your vehicle that you will not encounter other drivers who may be under the influence, poor drivers, and uninsured motorists.  Even road debris, road conditions and other variables can cause an accident that could cause an injury to your four-legged friend.    Tell Me More About Pet Insurance! Free Quote!

Your pet would be entitled to a third-party claim if someone hits your vehicle while you are driving. However, if you are at-fault, you may want to check your auto insurance policy; there might be exclusions. For example, your collision coverage (if you have it) will pay for the damage and repairs to your car, but exceptions include the transport of personal property, such as a fragile box, a television set, or your pet. In this case, your pet will not be covered.

Your pet is your personal property, according to many auto insurance companies, which means that if your pet was injured in a car accident and it’s the other driver’s fault, you have the right to file a claim in order for your pet to be as it was before the time of the accident. However, if a pet’s passing is the result of the car accident, your compensation would be limited, since most insurance companies do not consider the loss of pets to fall under “loss of companionship” compensation because they are deemed “personal property.” Therefore, you may only make a claim for the market value of your pet, if they died in a car accident.

Note: some courts have actually allowed deceased pets to be deemed “pecuniary value” or “special value.” This is for personal property that has unlimited market value.

Protecting Your Pet For Optimal Auto Insurance

It is important that your pet is well protected, if you decide to take them along on a cruise in your vehicle. Therefore, be sure to follow these tips to ensure your pet has ultimate protection against other drivers as you drive:

•Make sure to keep your cat in a cat carrier or in a suitable cage. This will prevent them from roaming throughout your vehicle and eliminate distraction for you.

•Dogs should ride in the back of the car at all times. If you have a truck, dogs should ride on the truck bed in a comfortable kennel that is fastened to the vehicle.

•Do not let your pet ride with their heads out of the vehicle to prevent injury or infection due to dust particles or other passing vehicles.

Researching Pets And Auto Insurance Is Highly Encouraged

If you like to know more about car insurance and pets, you should research more on the topic, because it is a serious issue being addressed by many pet owners. Your pet is your family member, and it should be treated as one. Make sure you know what to expect with your auto insurance policy, before you and your pet live through a car accident together. Furthermore, if your auto insurance policy does not cover your pets, get a quote from a pet insurance policy that will. Simply the Best Pet Insurance - Let Us Prove It!

Author: Tom Lustina

Article Source: http://EzineArticles.com/?expert=Tom_Lustina

May 19th, 2009 by admin

Veterinary pet insurance can be a very sound investment in your pet and your pet’s health.  Unfortunately, our beloved pets can become ill, have accidents and need what can be very costly veterinary care when we least expect it.   Invest in pet insurance for your pets and be able to manage not only the preventative veterinary care for your four-legged friends, but also any emergency care that may be necessary. 

Veterinary pet insurance is a practical and useful product to purchase for pet owners that are concerned with providing the very best health care for their pets. The costs of health care for your pets can rapidly escalate, especially if your pet has a major illness or accident. In addition, just as has been shown for humans, pets that are properly insured are more likely to get the preventative care that leads to better long term health and longer lives. Why would you want less for your family’s pets?

Buying a veterinary pet insurance policy is very similar to buying car insurance. There are numerous companies that offer pet insurance, and each of those companies will have a variety of policies. The best way to make a decision is to make a list of your insurance needs. First, will you be looking for accident and emergency cover only, some routine care coverage, or complete health care coverage? How many pets will you be insuring? Do those pets have any pre-existing conditions, and if so will the policy cover them? What size of monthly payment can you afford? After you have listed all your needs it will be time to shop around and find the proper company to supply your insurance.

When contacting veterinary pet insurance companies you will want to get quotes that match your needs as you have previously listed. You will also want to investigate the reputation of the various companies. Are they respected (and accepted) by your vet? Do any of your friends get their insurance though them? Are they properly licensed to provide insurance in your state and town? And lastly, are they responsive to your questions - does it seem like they will provide good customer service when you need to contact them. Are they concerned about your needs and your pet or do they just want to sell you a policy? How do you think they will respond in your time of need?

Getting a veterinary pet insurance policy for your pets is both practical and thoughtful. Your pets will get better health care and as a result live longer and healthier lives. You will have the peace of mind of knowing that in a worst case scenario your policy will be there to provide cover for any heroic measures your vet must undertake. Smart pet owners know that a pet insurance policy tailored to your needs and your budget is both useful and practical.

Author: Sherry L Harris

Article Source: http://EzineArticles.com/?expert=Sherry_L_Harris