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Dog Health Insurance – Top Reasons You Need It Today

Dogs live longer as a result of better quality dog foods, supplements and vitamins. Natural and organic products are giving additional health benefit to all breeds of dogs. As dogs age and live longer, the potential for additional medical expenses increases. Many previous human health treatments are now available for many pets.

Dog health insurance now becomes a real necessity. Reasonably priced dog insurance is available in the United States. Many insurance companies have entered this lucrative market. Veterinarians perform kidney transplants, hip replacements, and various surgery for certain forms of cancer. Dogs are three times more likely than people to contract cancer…45 percent of these dogs die from this dreaded disease.

The advancements in veterinary surgical techniques and medicine provide dogs with long healthier lives. Modern procedures can be very expensive and dog owners must prepare for these higher costs and expenses.

Few owners have dog insurance and are not aware of affordable and available insurance programs. It is estimated that less than 1 percent of pet owners enrolled their dogs in one of the many available insurance plans. Most dog owners are not aware of the high costs until their loved one is suddenly ill or suffers an injury.

Pet insurance companies charge premiums and offer various levels of coverage depending on the amount paid. Veterinary check-ups might not be covered in the basic plans, and can be made available with an endorsement. Pre-existing conditions, breed-related problems and aging dogs might be reasons for certain exclusions. Read your pet insurance policy carefully as you would your own medical health insurance policy.

Shopping for dog insurance can be a real challenge and you must be willing to do the research and ask the necessary questions. You must consider the age of your dog…this sets the basis for your policy and upgrades.

What’s covered in a dog insurance policy? Basic dog insurance policies generally cover treatment for accidents, injuries and illnesses. Beyond that, some policies may cover vaccinations and routine care coverage. Some policies will cover spaying, neutering and dental care….while others require additional endorsements.

Choosing the right dog insurance will not only help cover your veterinary bills, but will also help you make sure that your pet enjoys a long and better quality of life.

Car Insurance Quote Shopping: Make Sure Your Comparisons Are Equal

Shopping for car insurance can be time consuming and generally is not a lot of fun. Rates for car insurance can vary quite a bit from company to company. So when you shop for car insurance, you should try to get quotes from at least three different auto insurance companies. However, the only way you can really tell if one quote is better than another is to make sure you’re comparing the same policy features. Doing so, requires that you keep track of some basic information. Here are some tips to help you save time while getting quotes.

First, review your current insurance policy and think about your needs:

  • Decide if you want to get quotes on the same limits and features such as Property, Bodily Injury,
  • Uninsured and Underinsured Motorist, towing and car rental options.
  • Decide if you want comprehensive or just collision coverage.
  • Decide what deductible you can afford.

Then, gather some information about your vehicles and the drivers:

  • Drivers license and Social Security Numbers (not always necessary but good to have on hand)
  • Make, Model, Year information for each vehicle
  • The average mileage driven each day for each vehicle
  • Vehicle features such as Anti-lock Brakes (ABS), alarms, air bags, etc.

Have all of this information easily available when you begin shopping for your quotes. Then as you get each quote, right it down on the same piece of paper.

It’s also a good idea to take notes on how you feel about each company that generated the quote. Are they a financially strong, reputable company? Did they return your quote request quickly? If you spoke with a representative or agent, were they professional? Did they offer any advice? After all, insurance value is about more than price; it’s also about service and trust.