[widget id=”ad_unit-2″]Ad Widget: 468x60Banner-Insurance[/widget]There are many different cheap pet heath insurance providers on the market today. Individuals must be careful in choosing the various providers to make sure that they are getting the coverage that they are expecting through the service. Often, the pet owners find that they are paying the insurance premium per month, have to pay a deductible before the insurance kicks in to help with the costs, and have to pay twenty percent of the costs after that. All of these expenses put together make the pet health insurance seem like a wasted expense when the premiums could have been put into a savings account where they would have at least made some interest during the course of the year. However, if the pet owners face an emergency situation where they will need to pay one thousand dollars for their pets’ health, having the pet insurance cover eight hundred dollars of the cost is very valuable.
ASPCA pet health insurance offers many different options to its customers in the health care plans. There is a ‘Safety Plan’ which covers any accidents that might occur involving the pet. This is the least expensive plan that the ASPCA pet health insurance offers. The next step up is the ‘Primary Plan’ which covers not only the accidents but also illnesses that the pet might contract during the course of its lifetime. From there, the plans start to add in wellness visits and care as well as long term care for the pets.
With all of their plans, the ASPCA pet health insurance plans require that the pet owners meet a one hundred dollar deductible each year before the health insurance will help with the benefits. That means if the pet owner only has to take the dog to the vet for the annual exam and vaccinations, costing two hundred dollars, the ASPCA pet health insurance will only start covering the second hundred dollars of that visit. Once the deductible has been met, then the pet insurance will cover eighty percent of the cost, so in that example it would cover eighty dollars. If the pet is relatively healthy and does not require more than one visit per year to the vet, then the ASPCA pet health insurance will not seem beneficial to them, since they will have to pay four hundred dollars over the course of the year in premiums. Thus, they would only have had eighty dollars ‘covered’ for the four hundred dollars that they paid that year. However, if the pet had an emergency situation costing one thousand dollars that year, the pet owner would have to pay the first one hundred, leaving nine hundred dollars that are under benefits. In this case, the ASPCA pet health insurance would pay seven hundred twenty dollars, thus providing benefit to the individual.