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Are You Prepared with Pet Insurance?
Part of what we love most about our pets is their determination to live life to the fullest. But sometimes the world can be hazardous to pets. A Pet Health Insurance policy can help optimize your pet's health care for more happy, healthy years together.
Every stage of your pet's life presents different health challenges and concerns. Puppies & kittens need vaccinations, adult pets of all types need preventive care, and mature pets can face any number of age-related problems.
Ongoing and unexpected veterinary treatments for your pet can quickly add up and become a financial burden. That's why pet health insurance provides coverage for accidents, illnesses, prescriptions, surgeries, hospitalization, and more.
• Accidents and illnesses will happen to your pet over his or her lifetime.
• You don't want to get caught unprepared for your pet's veterinary expenses.
• You should never have to ask:
"Can I afford to follow my veterinarian's recommendation?"
| Pet Insurance University
9 LESSONS TO UNDERSTANDING PET INSURANCE...
Be sure to check out the Key Points Summary Page
A partial list of some established pet insurance providers*:
*This list does not constitute an endorsement or recommendation from neither North Central Animal Hospital PC nor any of its staff nor doctors. This list is for the client's information only and it is up to them to make the decisions on purchase. It is not our responsibility to fill out claim forms, receive direct payment from insurance companies, or directly communicate with companies as to our fees or services. The owner is fully responsible for payment in full and that all disputes of claims are between the company and the policyholder. If further written statements for treatment, diagnostics, or diagnoses are needed, there may be a charge for time and services.
American Veterinary Medical Association (AVMA) Policy
Guidelines on Pet Health Insurance (11/08)
The AVMA endorses the concept of pet health insurance that provides coverage to help defray the cost of veterinary medical care. The AVMA recognizes that viable pet health insurance programs will be important to the future of the veterinary profession's ability to continue to provide high quality and up-to-date veterinary service.
Pet health insurance programs should comply with the following guidelines:
Require a veterinarian/client/patient relationship in which the veterinarian monitors health maintenance of the animal.
Be acceptable to organized veterinary associations, individual veterinarians, insurance providers, the animal owning public, and others interested and involved in promoting the welfare and well being of animals.
Have clearly specified protection for the animal owner. The animal insurance provider should disclose to the consumer the coverage provided which may be of most benefit in reducing the
financial burdens resulting from medical problems requiring extensive veterinary medical care, as well as the option for coverage for routine and/or wellness health care.
Allow animal owners the freedom to select a veterinarian of their choice, and allow for referrals.
Meet the rules and regulations of the insurance commission of the state in which the insurance is sold, be readily available to the public, and provide coverage using ethical standards that are
approved by the insurance industry.
Be consistent with the Principles of Veterinary Medical Ethics.
Allow each veterinary facility to establish its own fee structure.
Reimburse the animal owner, in a timely manner, for fees previously paid to the veterinarian.
Commit to assure that animal owners are aware of how the terms and conditions of their policy will impact their coverage and reimbursement. This includes the type and amount of monetary
coverage and concurrent financial obligations such as co-pay, deductible, and other risk-management charges (e.g. surcharges, exclusions) that are integral components of the insurance