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If your pet were to become ill or suffer a catastrophic injury, the hospital and veterinary bills could amount to a significant amount of money. Money has been tight for a lot of people recently, and you aren’t necessarily looking for another way to spend more money. Even so, it would be an excellent idea for you to embrace pet insurance.
Pet insurance would actually help you save your finances, even though you are adding a monthly premium to your expenses. Pet insurance will pay a large portion of your pet’s veterinary bills, so you will be paying a much lower amount for these bills than you would if your pet was uninsured.
Pet insurance pays a portion of the costs, but customizable pet insurance plans also help make these policies affordable. Some insurance companies, such as Embrace Pet Insurance and PetPlan, will give you choices. For example, PetPlan has three different plans for your dogs and cats:
You will have the choice of the bronze plan that covers veterinary services only. The silver plan covers veterinary services plus kennel costs, the reward if your pet is ever lost and the reimbursement cost if your pet is never found. The gold plan offers everything in the silver plan and adds an amount if your animal dies and an amount if you need to cancel a vacation to take care of your sick or injured pet.
Customizable pet insurance plans allow policyholders to decrease their costs as much as they can by offering you flexible deductibles. The deductible is the amount of money you will pay before your pet’s veterinary services provider begins to bill the insurance company. By choosing a high deductible, you will be entitled to lower premiums. The highest deductible you can choose with this particular plan is $200.
Another way that the PetPlan policy is customizable pet insurance is through the reimbursement choices it gives you. You can choose to be reimbursed for 80 percent, 90 percent or 100 percent of the veterinary costs.
Because you can customize your pet insurance plans, your premiums will be different from your neighbors’ premiums. You can obtain a free quote for exactly the coverage you need on the PetPlan website without having to commit to purchasing the product.
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