What’s Included In The Dog Boarding Fee
Staff should at a minimum provide basic care that includes keeping enclosures clean, dog bowls filled with fresh water, and letting dogs outside several times a day to go potty. If your pup is on medication, the staff should give that to your dog as well. You can also expect the boarding facility to monitor your pet’s eating, peeing, and pooping. They should give you a report card of what occurred while you were away too.
If a concern comes upsay your pooch is feeling blue and refusing to eatthe staff should contact you. If they can’t reach you, they should attempt to get in touch with a secondary emergency contact or the dog’s veterinarian, Rustenbeck says.
What Pet Care Is Available
Check carefully what type of care your insurance will cover for in advance, as this may affect your choice of boarding. If your insurance specifies you use a licensed establishment this mean one that has been inspected and granted a licence by the local authority. For cats this means a licensed cattery, and for dogs a boarding kennel or licensed home boarder. A home boarder takes dogs into their home for the duration of their stay where they live like a normal family pet. This can be a good option if you are concerned about how your dog will cope with kennels. It’s very important you check the boarder you use is licensed by their local authority – legally they all should be anyway. On our website, boarders whose licence we have verified are indicated with a green tick, you can search for a boarder here.
Most insurance companies will not pay towards a friend or family member caring for your pet. Some may allow a ‘pet minder’ for cats – that’s a professional pet carer that visits your home to feed your cat, check on them and clean litter trays. This type of service is not suitable for dogs, which should not be left home alone for such long periods. Rabbit and other small animal boarders aren’t licensed, so your insurance should accept anyone offering the service.
Dog Insurance Helps You Cover The Cost Of Vet Bills When Your Pup Gets Sick Or Hurt
Itâs basically dog health insurance, except that what itâs really doing is protecting you from a financial standpoint.Look at it this way. Youâd do anything for your dog, right? Of course you would. Including, obviously, getting them the best veterinary care available if they ever got sick or hurt. But your dog canât pay vet bills, you do â and as the loving, dedicated dog mom or dad you are, youâre going to pay for their care no matter how expensive it gets.With dog insurance from Petplan, youâre covered for up to 90% of those bills.Think of it as a safety net to fall back on: You have your dogâs back, we have yours.
HOW DOES DOG INSURANCE WORK?
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Something You Could Have Prevented
Theres this section in a Lemonade pet health insurance policy that talks about neglect and adequate care. We hate this part because it really bums us out to think about pets who arent being taken care of, and we would hate for you to think were suggesting you would ever do that.
But its important to know that a situation could be considered preventable even when a pet parent provides excellent care. The good news is preventable means you can do something about it to keep your pet healthy and safe!
If your dog keeps getting an eye infection after running into the same bush in your front yard, you can invest in doggles . Your policy defines this as a recurring condition, and its not covered. But at the end of the day, we know youll do what you can to avoid these conditions to keep your fur fam safe and healthy.
It should also go without saying that any injury or illness that may result from instances of fighting, racing, or abuse would not be covered. If you happen to witness suspected cruelty to animals, call your local animal control agency, or 311 if youre unfamiliar with organizations in your area.
Common Pet Insurance Policy Conditions
You should check the conditions you need to meet to make an insurance claim. Some common conditions and points to look out for are:
- There may be a minimum period of hospital admittance, most commonly 3-4 consecutive days.
- If the hospital stay is for a condition that you had before you took out the pet insurance policy you may not be covered.
- Check the type of facilities they count as ‘hospitals’ a nursing home or rehabilitation centre may not count.
- Some reasons for hospital admittance may be excluded such as pregnancy and hospitalisation that you could have foreseen when taking out the insurance will probably not be covered.
- Some insurance policies only cover the owner others also cover their partner, or close family member’s hospital admittance.
- There may be a restriction on where you board your pet, such as a requirement to use a licensed boarding establishment.
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Deductibles Claims And Policy Terms
It’s important to understand a policy’s deductible, reimbursement rate, maximum payout limit, waiting peroids, and exclusions before enrolling.
Your deductible is what you need to pay before your provider will reimburse any eligible expenses.
For example, if you had a $200 deductible on a plan with a 90% reimbursement rate and your cat needed a $1,400 dental extraction… you’d ultimately save $1,080 .
The best plans are annual limits, and many offer unlimited payouts. This means you need to meet your deductible each year, but once you do the ammount the payout is potential unlimited. Considering how many older pets develop cancer, having an unlimmited max payout can be a lifesaver.
Yourwaiting period determines when your coverage kicks in. Be aware that different plans/providers have diferent waiting periods, and they can even vary by condition – so it’s import to read the fine print.
For example, two different plans might look almost identical until you look into the fine print and find that one has a 12 month waiting period for knee injuries where as the other’s is only 30 days. If you have a larger dog who more prone to knee injuries, you most certainly would not want the plan whose knee injury coverage takes 12 months to kick in.
Key Factors that affect your cost:
- Plan type
- Policy provider
If You Cannot Afford Pet Insurance
Whether you have insurance or not, dont be afraid to discuss the cost of treatment with your vet. Being concerned about the cost doesnt mean you dont love your pet! There is often more than one possible treatment option for a problem, so if price is an issue, let your vet know, so you can discuss all the alternatives. If your vet doesnt make you feel comfortable about such conversations, you may want to consider finding another vet.
And speaking of finding a vet, the cost of treatment can in fact vary among vets even in the same city. So along with whatever else youre doing when youre looking for a vet whether its asking friends for recommendations, reading reviews, etc.also call around and ask the prices of basic things you know you will need, such as exam fees and vaccinations.
While few vets offer their own payment plans, some accept CareCredit, a kind of credit card for veterinary care. You do need to be approved for this, as you would with a regular credit card. The benefit over a regular credit card, however, is that under the right circumstancesif you meet certain requirements and make your payments on timeyou may not pay any interest.
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How Plans Are Built
Our policies are built and tailored for the individual needs of your pet. Throughout the quoting process, youll find we request specific questions about your animal to determine which plan will work for them.
These are three critical pieces of information taken into consideration when building a pet insurance policy:
- Age: Older animals are at a higher risk of getting sick or injured.
- Breed: Some breeds are more prone to certain ailments. This is especially true for purebred dogs.
- Location: Your zip code lets us know if you live in a rural or urban area. Veterinarian bills are much higher in urban areas than they are in rural ones.
We request your animals age and breed so we can understand your needs and help create a plan that will work for you and your furry friend. This does not mean we deny pets of a certain age or specific breed.
Although your pet must be at least 8 weeks old to enroll, Prudent Pet never denies coverage to a dog or cat based on age or breed.
Lifetime Cover Pet Insurance
Lifetime policies are the most popular and the most comprehensive type of pet insurance. As the name suggests, they’ll pay out indefinitely for treatment over your pet’s lifetime – subject to annual limits.
Lifetime policies can work in different ways. Annual policies pay up to a specified amount on vet fees each year – say £5,000.
So in any given year, the insurer would pay up to £5,000.
Another type of lifetime policy is per condition per year cover. With this, you’d get an annual limit for each condition – for example £2,000 per year for claims related to your cat’s diabetes. With some of these policies, an overall annual limit will also apply.
With both types of policy, the higher the limit, the more expensive the premium. However, whatever this limit is, with a lifetime policy, you can rely on the insurer making an ongoing contribution towards the costs of your pet’s conditions.
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Is Proof Of Purchase Price Always Needed
We would need to know how much you paid for your pet if you unfortunately have to claim loss or death benefits. Without a purchase receipt we would only pay you the market value of your pet. This is the price generally paid for an animal of the same age, breed and pedigree at the time you obtained your pet. Proof of purchase is especially important where you may have paid more for your pet than would be expected for the breed.
What Pet Insurance Covers
In addition to vet fees, other benefits will depend on the level of cover you choose. Insurance for pets typically covers the following:
- Death by accident or illness: If your pet dies before a certain age your insurer will pay up to 1,000. Age limits depend on animal type.
- Injury and illness treatments: including surgery, prescription drugs, and medical tests.
- Searching for missing pets: This covers the cost of putting up posters or offering a reward if your cat or dog is lost or stolen.
- Third-party liability: This only applies to dog insurance policies and typically covers damage or injury caused up to 250,000.
- Holiday cancellation: This covers the cost of cutting short your holiday if your pet falls ill.
- Emergency kennel or cattery costs: This covers the cost of emergency boarding fees for your dogs and cats if you are hospitalised.
Many pet insurers offer a choice of plans, ranging from basic to premium. The type of plan you choose will affect the price you pay per month, so the more benefits you need, the more it will cost you.
Always check your policy carefully before buying because there may be exclusions, especially with cheaper plans.
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The Basics Of Leasing A Horse: What You Need To Know
When most people consider having a horse, they automatically think of purchasing one. But there are some definite drawbacks to buying a horse, and its not the only option. Alternatively, you could lease your horse instead.
There are some major benefits to leasing your horse, such as reduced liabilities. But it can be a daunting task with many unknown variables especially for someone whos never leased or bought a horse before. Our goal with this article is to simplify the process so you can get a basic understanding of how to lease a horse.
Things To Consider When Choosing Your Dog Insurance Policy
Insure your dog or puppy from a young age – Dogs grow more susceptible to ill-health as they get older, so if your pet is healthy at the moment you should insure it as soon as possible to avoid an unexpected illness being classed as a pre-existing condition.
Look after your dog’s day-to-day health – Most policies do not cover standard healthcare. Ensure your dog or puppy has received any vaccinations required, and you have taken all reasonable steps to maintain its health and avoid injury, illness, loss or theft, in order to fulfil your policy requirements.
Pick the right dog insurance first time – Consider what you need from your policy to suit you and your dogs needs, and make sure the cover offered is sufficient for any anticipated vets fees: especially when your dog is older. If you need guidance, speak to one of our specialist advisers.
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What Does Pet Insurance Cover
Just like all other pet insurance providers, Petplan does not cover pre-existing conditions.
When we say itâs the most comprehensive coverage for your pet, we mean it. For one low monthly payment, we cover up to 90% of unexpected vet bills, including:
Injuries and illnesses
We protect your pet from all unexpected injuries and illnesses, including viruses like COVID-19.
Virtual vet visits
We cover up to $1,000 in visits over video chat, call or text.
If youâre ever hospitalized, we cover up to $1,000 in boarding fees for your pet.
Every vet visit requires an exam. We cover it, saving you an extra $50-$250 per visit.
Treatments like acupuncture, chiropractic and homeopathic therapy are covered at no extra cost.
We cover dental injury and disease to all of your petâs adult teethânot just the canines.
We make sure all purebred pets are protected from conditions that are a result of their breed.
We protect your pet from incurable diseases like diabetes, asthma, arthritis and cancer.
*Most comprehensive according to Consumerâs Advocate, October 2020 based on a comparison of injury and illness coverage between Petplan and North American pet insurance providers.
How Pet Emergencies Can Lead To Long
If an emergency is not completely addressed , an issue may be overlooked or neglected which can lead to additional ongoing treatment costs.
Large expenses can also lead to debt, where interest charges will increase overall costs even further. You should avoid this if at all possible, and considering pet insurance is often the best first step.
For example, perhaps Fido suffers a hip dislocation that just won’t stay in place .
If the pet parent does not have the funds to thoroughly investigate or address the issue, the ideal treatment may be put off to “see how it heals – which can lead to chronic pain for the pet and recurring medication expenses for the pet parent.
Or, perhaps a pet has a urinary tract infection and the pet owner didnt want to pay to have a culture analyzed. Instead, they just start antibiotics and create a UTI that is now resistant to antibiotic treatment…Now, much more expensive medications will be required, and potentially even hospitalization or worse .
Sometimes you really need to do that extra test or that extra treatment.
It’s difficult to know when, which is why pet insurance is worth the cost for many pet owners: the protection grants finanacial peace of mind so that treatment conversations can be about whats the right thing to do, instead of how much it will cost.
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Pet Insurance Coverage & Savings
Pet health insurance works similarly to property insurance. You purchase coverage from an insurance provider, and your plan reimburses you for certain expenses related to your pets healthcare. With top insurance companies you get reimbursed for 80%, 90%, and even 100% of the vet bill .
Like most insurance options, you’ll pay a monthly premium to keep your coverage active. Once your deductible is met, you can expect your insurance provider to pay for your pets eligible expenses, based on your reimbursement rate, up to your limit.
Treatments That Are Experimental
Alternative medicine is a broad term that refers to many types of non-traditional therapies, things like CBD and aromatherapy. While your pet might benefit from holistic medicines like these, dont expect them to be covered by your insurance.
Things like acupuncture, chiropractic care, or hydrotherapy can also be considered alternative treatments, and may not be covered by some pet health policies as part of basic accident and illness coverage.CBD-infused lavender essential oil diffusion therapy to help relax your anxious dog would unfortunately still be excluded.
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Cg Cover Pet Insurance
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CG Cover as an insurance company strives to help you live life worry-free and this extends into their pet insurance plan.
There are 3 plans you can choose from that vary in the annual limit as well as premium. The premium is dependent on your financial situation and if youre a CG member, you even get 10% off.
Their coverages include every basic thing youd need for pet insurance. These include but arent limited to veterinary bills for either injuries or illnesses, reimbursements for boarding in case of hospitalization, advertising and reward costs for missing pets, and third-party liability.
One of their unique benefits is they reimburse the purchase price or adoption fee in the event that your pet dies an unexpected death. In line with this, they also reimburse any burial or cremation cost.
Look at this table detailing the annual limits of the 3 plans:
- Pet must already be microchipped