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…

Dog Breed Guide: Dalmation

A Dalmation dog with pet insurance from Pets Best.

Dr. Marc is a veterinarian and writer for Pets Best, a dog insurance and cat insurance agency.

About the Dalmatian

Height (to base of neck): 19 – 23″

Weight:  50 – 55lb

Color: All white with round, well demarcated, non-overlapping black spots.

Origin: Yugoslavia

Coat: Short, flat, glossy coat with fine straight hairs.

Life Expectancy: 12 -14 years

Energy level: Very high

Exercise needs: Very high

Breed Nicknames: Coach dog, Fire dog, Firehouse dogRead 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…

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