Friday, October 31, 2008

Pet First Healthcare Insurance

It has been Started in July 2004. Its Headquartere is in Jeffersonville, Indiana and available in all 50 states.

PetFirst Healthcare has three plans:

1. Basic
2. Preferred
3. Preferred Plus

The difference from one plan to another is the amount of coverage the plan provides both per incident and annually for accident and illness care. Basic comprehensive plans include $100 of routine care coverage. Preferred and Preferred Plus comprehensive plans include $220 of routine care coverage.

For details click here.

Monthly Premium of Comprehensive Coverage
Includes accident, illness and routine care protection.

                Preferred Plus     Preferred       Basic

Dog        $49.95                   $39.95            $29.95
Cat         $41.95                   $29.95            $24.95
2 Pets    $79.00                  $60.00            $51.00
3 Pets    $109.00                $79.00            $64.00

Click here for more.


PetFirst Healthcare
One Quartermaster Court
Jeffersonville, IN 47130

Hartville Pet Health Insurance

Hartville is a pet insurance company in USA. It was established in 1997. Their brands are Hartville Pet Insurance, ASPCA Pet Health Insurance & Petshealth Care Plan.

Hartville covers the following:

* Accident Only Plan (Basic Accident Coverage): It is their most basic and least expensive plan. One great thing about this plan is that all dogs and cats are eligible, regardless of age, breed, or health conditions.

* Essential Plan: (Accident & Illness Coverage): It will give the coverage both for accidents and illnesses. A pet owner get help paying the bills if his/her pet needs prescription medications, diagnostic procedures, lab tests, x-rays, surgery, hospitalization, or dental services associated with an illness or injury.

* Classic Plan: (Accident, Illness, & Wellness Care) Like the Essential Plan, the Classic Plan covers accidents and illnesses, plus essential routine preventive or “wellness” care.

* Champion Plan: (Accident, Illness, & Deluxe Wellness Care) With the Champion Plan, you get the same coverage as the Classic Plan, but with deluxe wellness care.

* Elite Plan: (Help for Long-term Care) Their last plan includes the same coverage as the Classic Plan, but also helps you pay for treatments for chronic or long-term conditions that appear in the previous plan year.

For details click here.

Their comparison chart.

Their free quote.

Address: 3840 Greentree Avenue SW
Canton, OH 44706
Customer Website:

Compare Pet Health Insurance in the USA

Over 25% of European pet owners carry a pet health insurance policy on their pets. Approximately half of Sweden’s pet owners carry insurance. A recent poll of pet owners in the United States predicted that only 5% had purchased a pet health care plan. Many veterinarians feel that three percent is a very low. One of the big reasons veterinarians believe so many Europeans carry pet health insurance is because of a bill passed in 1971 that stated if a dog was considered at fault for an accident, like a car wreck, then the pet's owner would be held responsible. This prompted many dog owners to purchase something called Third Party Liability Insurance which would pay for any damages caused by the policy holder's pet dog.

Chances are good that if you were to ask ten of your neighbors how they felt about pet health insurance you would probably get ten very different answers.

Some pet owners are fanatical about their pets. They will except nothing but the best for their family pet, the best food, the best water, the best doggie bed, and of course the best medical treatments available. Every time it even looks like their cat or dog is about to cough or sneeze they rush the pet to the veterinarians clinic and start a fresh round of antibiotics. Because maintaining the absolute best health care available is quite expensive this type of owner is quick to purchase animal health insurance that promotes good pet medicine. At the slightest hint you are even considering purchasing pet health insurance for your pet and this over the top pet owner is shoving all sorts of flyers and brochures and applications in your hand, sometimes they even offer to call their pet health insurance rep. for you. This is fine and dandy but generally (not always) their monthly pet insurance bills are higher then you can afford.

Another owner might love their family pet just as much as the over the top owner. They might wish they could provide their pet with the very best but it simply isn't economically possible. This pet owner’s advice about pet health insurance would be your own pet health insurance. Put the money you might have spent on a monthly insurance premium aside and use that to cover your pets medical needs. After all if you put aside thirty dollars a month then you'll have enough money to cover the routine visits to the vet’s office plus have a little extra set aside if an emergency happens down the road. This type of insurance is called self insurance. While it sounds like a good idea there are a couple of problems. One if a medical emergency happens right away you might not have enough money on hand to cover the treatment and be forced to accept economic euthanasia for your pet. A second problem with self insurance is that its money that’s just laying around, its way to easy to see it as spare cash and use it on the family vacation or as a down payment on that laptop you've always wanted.

If as a pet owner you decide that pet health insurance simply isn’t for you or your pet you will want to check and see if your homeowners insurance covers any potential accidents caused by your pet. If a dog or cat bites somebody the bitten person can sue you and in some cases demand that the pet be euthanized. If your homeowners insurance does not cover pet mishaps you should probably give a lot of thought to purchasing pet liability insurance.

Health Insurance for your Dog

The word insurance is one of those words that just makes you cringe. Next to putting gas in your car it seems like the biggest expense you have and there is just so much that you need. You need to keep insurance on your car (it would have been really nice if somebody would have told how big a financial drain that was going to be), if you own a home you pay homeowners insurance, if you rent an apartment you have renters insurance, you struggle with the ever soaring cost of health care insurance, and if you are a really responsible family member you have life insurance. And now you find you are hearing that you should consider purchasing a health insurance plan for your pet dog.

You love your dog, he's more then a pet, he's a valued member of your family and probably your best friend. But health insurance? You can barely afford to put food on your table how are you supposed to be able to afford to insure your pet. Besides he's just a mutt, dog health care insurance is for fancy purebred show dogs, not your rescue pet.

The shoestring you’re probably living on is the very reason you might want to consider putting pet health insurance on your pet. The average dog owner takes their pet dog to the veterinarian approximately 2.3 times a year and it will cost you approximately two hundred and eleven dollars per year. My guess is that each time you pay the vet bill your budget is screaming for mercy.

What happens if your dog contracts a disease, or gets hurt? It doesn't take much to rack up some pretty serious vet bills. What if you have to leave town and can't take your dog with you? Can you really afford to leave your dog at a boarding kennel? You already know how much you have to pay for your prescriptions, do you really think that a dog prescription is going to be any cheaper.

Your dog is your best friend and a treasured member of your family could you really live with yourself if you had to put him to sleep just because you couldn't afford his vet bill.

It is possible to get health care insurance for your dog for approximately ten dollars a month. While it might not cover all of your dogs vet care needs it could help. If you shop around and read each plan carefully you should even be able to find a pet healthcare plan that will help pay for your routine vet visits. Some pet insurance plans will even cover some boarding expenses.

Some questions you should ask the pet health insurance company you are considering buying a pet health care policy from is whether or not your vet accepts that particular type of insurance, if there is a cap on treatments, how much is your deductible, and how will they handle any pre-existing conditions your dog might have.

Reasons to Purchase Cat Health Insurance

Cats are very interesting and nice creatures. A large volume of pet keepers like cats so much for their innocent and funny attitude. When a cat owner brings a new kitten at home he or she must have to keep in mind about the cat's common and extreme diseases. When cat owners first bring their brand new kitten to the vet they should have the kitten vaccinated for distemper. For proper treatment a cat owner must have cat health insurance. Details will be found below.

* Kidney failure is the most common disease of senior cats.

* Hairballs is another threats to cat's health. It's a clumps of hair that is found in the cat's digestive system. A special food menu can eliminate hairball but in many cases it becomes extreme and surgery is the only one solution to remove hairball.

* Urinary tract infections can be developed by cats. Cats having a urinary tract infection generally cry when they are using their litter box. Treating the urinary tract infection generally depends on the type of infection. Vets will normally put the cat on a round of antibiotics after having tests to determine the origin of the infection. If the infection has spread to the kidneys or caused a blockage immediate veterinary action is needed.

* Some cats develop upper respiratory problems. Cats that have these type of illness often cough, sneeze, have runny noses, discharge from the eyes, and are listless. Some cats will run a fever. Cats having an upper respiratory illness are contagious and should be kept separate from other cats. They should be encouraged to drink lots of fluids. If your cat develops a fever take him to the veterinarian for a round of antibiotics. High fevers, if left untreated, can lead to brain damage and death.

* A lot of pet cats could have diabetes.

Besides the above mentioned diseases and problems a cat can have more problems for which a good pet health insurance plan should be purchased to reduce the vet bills and fees.

Tuesday, October 28, 2008

Variety of pet health insurance plans

Pet owners can pick from a variety of plants such as pet fatality/mortality insurance, major medical insurance, and basic medical insurance (policy names may vary from company to company.) Many pet health care insurance companies offer option a variety of additional riders to complement the pet health care insurance plan.

Mortality/fatality pet insurance is similar to human life insurance. The owner pays a premium every month the pet is alive in any event of its death the owner is reimbursed a predetermined amount of money. While the mortality/fatality insurance does not take the sting out of losing a beloved family pet it may help of any additional medical bills that accumulated at the end of your pet's life. Many owners used the check to assist with purchasing a new family pet. One thing's owners should be aware of when they possess AA mortality/fatality pet insurance plan is that most companies require that the owner contact them be for the pet is euthanized. They will often asked to speak to the veterinarian in charge of your pet's case.

Basic medical health insurance typically covers veterinarian expenses such as accidents, non-elective surgeries, hospitalization, and illnesses. One popular insurance company offers a plan that pays from cuts to cancer up to $1000; most pet owners use this plan for emergencies only. Pet owners are advised to purchase a pet health care insurance plan as early in their pet’s life as possible. Many insurance companies and veterinarians point out that most freak accidents happen in the early years of a pet’s life. Owners should be aware that most pet health insurance plans do not convert genetic dis-orders that develop in certain breeds and some of the more expensive surgeries. Most insurance plans also will not touch pre-existing conditions

Horse owners may want to consider purchasing a loss of use policy for their horses. A loss of use policy pays if the force is injured so badly it is no longer able to be ridden or bred, but is not so badly injured to justify euthanizing the animal.

Why need pets health insurance

Cats, dogs, rabbits and few other animals have become our beloved family pet. They are treated as like our family members. We always take care of our pets.

Sometimes a pet owner gets in trouble when his pet gets injuries or diseases and its life hangs in the balance. He can not afford the treatment fees which could range from $2000 to $10000 and some cases even more. Pets health insurance is the only one solution of this problem. It's just like human health insurance policy. An insurance has to purchase for a pet by its owner and this policy will take necessary steps to solve the above problem.

There are mainly two reasons why pet owners purchase pet health insurance plans from pet health insurance companies.

1. They will be able to save money on their pets annual trip to the vet.

2. If they wont be able to afford the treatment when serious health crisis develops in their pets.

After analyzing these reasons we can say that all pet owners should have better health insurance plans for their pets.

  © Blogger template 'Grease' by 2008

Back to TOP