For most animal lovers, a pet is just like any other member of the family, given the same importance in every way possible. So why shouldn't the pet be eligible for some insurance as well? A pedigree dog is quite expensive to maintain, therefore some aid in the form of insurance might come handy in case he suffers some injury or becomes exposed to some rare disease which requires extensive treatment. Veterinary treatments do not come cheap so pet insurance is becoming more of a necessity these days.
You might have paid an exorbitant amount for your dog and will stand to lose a lot in case he gets lost or is stolen. Most pet insurance policies cove damages against such losses. In unfortunate cases where your dog happens to bite or harm a third party or causes destruction to their property, a pet insurance will help to meet the consequential damages incurred.
Pet insurance policies are mostly intended for pedigree dogs and cats. Rare and expensive breeds of horses are also sometimes covered under these. Exotic animals like turtles and chameleons can also be insured, though only in certain countries. Pet insurance policies do not cover routine check-ups and visits to the vet. Basically there are three types of policies to opt for, one being the Life Time Cover.
Under this type, the cover extends to certain specific illnesses like eczema or arthritis that requires prolonged treatment from a vet. Every year, the policy holder becomes entitled to a specified sum which can be reset at the time policy renewal. Such life time cover is usually sought in the case of cats and dogs.
Another type is the Money-Limit policy under which insurance coverage extends to a selection of conditions and will be available as long as the specified money limit is reached. Time is not a constraint in this case. On the other hand, there is the Time Limit policy under which the coverage will exist only up to the stipulated period mentioned in the policy. This policy is far cheaper than the Life time cover one.
Insurance companies foresee a promising future for pet insurance in the coming years. This is mainly because with recent advances in veterinary medicine, life expectancy of household pets is definitely on an increase. Also, people are more willing to invest big bucks on rare and pedigree animals and provide them with the right and proper food and living arrangements.
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