Author Archives: Dr. Jack Stephens

How to File a Pet Insurance Claim

How to file a pet health insurance claim.By Therese Pope, a freelance writer based in California.

How to File a Pet Insurance Claim

Pet health insurance is a wise investment, especially when your family pet becomes suddenly ill or injured and you’re faced with costly vet bills. In 2013, the North American Pet Health Insurance Association (NAPHIA) reported claim reimbursements as high as $40,000. Pet insurance providers can quickly reimburse you for claims so you’re not out of pocket for thousands of dollars in vet bills.

With pet insurance claims, you first pay for vet services and then file a claim. The claim is then processed by your pet insurance provider and you are reimbursed for all eligible expenses.

By following these steps below, filing a pet insurance claim is a fast, convenient process that allows you to be reimbursed for vet expenses.

Step #1 Observe waiting periods before filing claims

After enrolling in a pet insurance policy, companies require a waiting period before you can file your first claim. For example, HealthyPaws requires a 15 day waiting period after your policy’s effective date before accidents and illnesses are covered; Trupanion requires 30 day waiting period for illness coverage; and Pets Best requires a 3 day waiting period for accident coverage and 14 days for illness coverage.

Step #2 Fill out and sign claims form

First, download a claim form from the company website or request a form to be emailed or mailed to you. Some companies, such as Pets Best, have an online claim form as well, that you fill out and submit online. Fill out all necessary information on the claim form and submit to the company.Read More…

Managing Pet Insurance Premium Costs

How to manage your pet insurance premium costs.

By Therese Pope, a freelance writer based in California.

Managing the Cost of Your Pet Insurance Premium

As pets age, they are prone to certain medical conditions which require veterinary care on a regular basis. Senior dogs and cats suffer from health issues ranging from arthritis to diabetes to hip dysplasia. The National Canine Cancer Foundation reports that cancer is common in dogs and the incidence increases as they age. Because pets age faster than humans, medical treatment needs can increase over a much shorter period of time.

Pet Insurance Premium Options

When determining premium costs, pet insurance providers take into consideration the pet’s age, breed, and where they live. As mentioned above, due to the fact that pets age at a fairly quick pace pet insurance premiums rise as the pet ages.

Based on your budget and the needs of your aging pet, you can choose from several plan options. For instance, Pets Best offers a comprehensive Accident and Illness plan, as well as a budget friendly Accident Only plan. Be sure to read your pet insurance policy so you know what is and what isn’t covered, for instance pre-existing conditions aren’t covered by any pet insurance provider.

To adjust your monthly premium, companies such as Pets Best allow you to choose from a variety of annual deductibles and reimbursement percentage options.

Annual Versus Per Incident DeductiblesRead More…

Cat Breed Guide: Munchkin

A Munchkin cat with pet insurance from Pets Best.By Dr. Fiona, a veterinarian and writer for Pets Best, a dog insurance and cat insurance agency.

About the Munchkin

Weight:  Females 4-8 lb, Males 6-10lb

Points of conformation: The limbs are shortened and slightly bowed and thick.  The wrist may turn outward due to forearm shortening.  Medium length body with long tapered tail and compact feet.  They have a slightly waddling gait.

Coat: Medium and semi-long haired varieties exist.  Plush texture with minimal to silky fine under coat.

Color: All colors and patterns are accepted.

Grooming needs: Minimal grooming needs, weekly brushing.

Origin: Louisiana, United States

Behavior Traits: Playful and curious

Is a Munchkin cat right for You?Read More…

Top 10 Most Common Dog and Cat Pet Insurance Claims

A dog and cat with pet health insurance from Pets Best.

Pets Best releases the most common pet insurance claims of the past 10 years. 

As Pets Best Insurance Services, LLC celebrates its 10th anniversary, the nationwide pet insurance agency has released detailed information about the most common claims it has processed for both dogs and cats during the past decade. Pets Best has processed more than 630,000 claims, covering 90,000 pets.

Canines – Top 10 Most Common Claims

  1. Atopy/allergies                          30 percent
  2. Otitis                                          17 percent
  3. Osteoarthritis                             10 percent
  4. Undiagnosed mass                     8 percent
  5. Cruciate ligament injury             7 percent
  6. Hypothyroidism                          7 percent
  7. Pyoderma                                   6 percent
  8. Undiagnosed gastrointestinal
    condition                                    5 percent
  9. Undiagnosed lameness               5 percent
  10. Urinary tract infection                 5 percent

Read More…

How to Select the Best Pet Insurance Plan for Your Pet

How to select the best pet insurance plan for your dog or cat.

By Therese Pope, a freelance writer based in California.

With the many pet health insurance plans out there, it can be confusing to figure out the best, most affordable plan for your furry family members. Whether you own a 7-week-old kitten or a 10-year-old dog, the coverage options below will fit the healthcare needs of your pet – at any stage of their life.

Which Statement Best Describes Your Pet?

1. I have a young dog or cat (1-3 years old) 

Insure pets when they are young before any health issues arise. Companies such as Pets Best cover puppies and kittens as young as 7 weeks old. The best option for young pets is an Accident and Illness Plan. Playful puppies and kittens tend to be mischievous and can swallow harmful items, injure their paws or break a leg. Comprehensive Accident and Illness Plans cover unexpected injuries, illnesses, emergency care, surgery and hospitalization.

With young pets, you’ll also want to have a Wellness/Routine Care Plan. By adding wellness coverage to an accident and illness plan, you’re able to stay on top of your pet’s preventative care. Wellness plans cover items such as annual exams, vaccinations, dental cleanings, and spaying/neutering. A wellness plan is a cost-effective way to budget for routine medical expenses, as well as catch life-threatening illnesses early-on or before they happen.

2. I have an adult pet

For adult pets, look into Accident and Illness Plans. As mentioned above, these plans cover unexpected injuries and illness, including cancer. Dogs and cats – despite their age, breed, and activity level – can still become sick so it makes sense to cover both accidents and illness.

Similar to young pets, you should insure adult pets as soon as possible. This is because providers do not cover pre-existing conditions, so you’ll need your coverage to be in effect before issues arise for them to be covered. However, Pets Best is unique in that they cover some health conditions that can be considered cured.

An Accident and Illness Plan is your best choice so that you’re prepared for any health issues that come up in the future. Even if your pet has a pre-existing condition, you should consider an accident and illness plan so that you have coverage for any new health problems that can happen.

Additionally, you may want to add a Wellness/Routine Care Plan. Wellness plans cover items like vaccinations, dental cleanings, and flea/tick/heartworm preventatives. Routine and preventative care is important in helping catch illnesses early-on or before they happen.

3. I have a senior pet Read More…

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