Pet Insurance is it a viable option?

Did you know that pet insurance has been around for 15 to 20
years? The fact is, not many people are aware of this great
product. Unfortunately, availability has been limited and some
restrictions on policies have made it prohibitive in a lot of
cases. However, things have changed for the better in the pet
insurance industry. Pet owners are now able to provide their pet
with a level of care that has been very expensive before now. In
the past, any veterinary costs incurred by the pet owner
including such items as preventative and routine care, disease
conditions and emergency treatment were simply out-of-pocket
expenses.

Pet health policies which are similar to human insurance
policies vary from company to company. Everything from annual
premiums, different coverage plans and deductibles vary so it
certainly pays to do your homework in this area. They base their
plans on the species, age, lifestyle of the pet, (indoor cat
versus and outdoor cat), pre-existing conditions and more. Most
companies start policies at age 6-8 weeks, some with age limits
and some without.

As for pre-existing medical conditions, some companies allow
coverage if the animal is controlled or is stable, (usually
after a waiting period of 6 months). Some insurance companies
will refuse an animal all together and will depend on its
current conditions, and will definitely refuse to cover the pet
if it has a terminal illness. Annual deductibles run around $100
a year, and policy costs vary widely depending on the different
packages you choose. Some packages are comprehensive and can
even include such items as vaccinations, routine care,
medications and more. Some insurance plans only cover accident
and illness. You are best advised to shop around for your best
deal pet insurance. Remember to use the internet, it is your
best source of information.

Terry Price is a regular author to
http://www.pet-supply-discount.com/102-pet-insurance.html where
you will find many merchants of pet insurance.