Auto Insurance: Coverage for Pets in Auto Accidents

Pets ride in auto all the time, but what if they're injured in a auto accident? Whose auto insurance company pays to treat their injuries? The answer .... hopefully you will remember the tips that we provided. Check with your car insurance company to determine if your pet is covered by your car insurance policy.

Auto Insurance: Coverage for Pets in Auto Accidents

Pets ride in cars all the time, but what if they're injured in an auto accident? Whose car insurance company pays to treat their injuries? The answer depends on the cause of the accident.

Riding in cars can be dangerous for pets (as well as distracting to the driver), especially because they ride without the benefit of seat belts. If someone crashes into you and causes injuries to your pet, you're entitled to make a "third-party claim" with their car insurance company for your pet's medical bills. That's because their liability car insurance policy must put you "back where you were" before the accident.

If you are at-fault in a car accident in which your pet is injured, you'll want to check your auto insurance policy for exclusions. Say you crash into another car or a fence: Collision insurance pays for the repairs to your own vehicle. But you may have an exclusion on your collision insurance coverage for damage to personal property that you are transporting, whether it's your antique vase or your pet. If your car insurance policy has such exclusions, you won't have a valid claim. For example, State Farm says that its policies don't provide coverage for pet injuries. Car insurance coverage may vary depending on the car insurance company, so be sure to carefully check your policy. In this scenario, if you don't carry collision coverage at all, you must pay for all damage from the accident, including your car and pet.

Perhaps someone comes to visit you and your dog goes to lie down under their car. Then, unknowingly, the visitor backs over your pet. Is the visitor liable for your dog's injuries? Yes, he is, but not under the bodily injury section of his car insurance policy. Bodily injury pays out for injuries sustained by any "one person" in an accident. Your pet doesn't qualify as a person so he's not covered by this portion of the car insurance policy.

However, for car insurance purposes, your pet qualifies as your "personal property," and you have the right to be "put back where you were" before the accident — in this case, meaning having a healthy dog. You'd have the right to make a claim on your visitor's car insurance policy for your dog's medical bills, just as you would have the right to make a claim if the driver backed over your lawnmower.

The death of a pet

Certainly pets are part of the "family," and the death of a beloved pet can lead to extreme grief. But your pet's status as your "personal property" may limit your options for compensation if someone causes an accident that kills your pet. State laws do not recognize the loss of personal property as valid claims for "loss of companionship" compensation, unlike the loss of a spouse. In the event your pet is killed in an accident, you can likely make a claim only for the "market value" of your pet.

Some courts have allowed damages for deceased pets to go beyond "market value" by applying "pecuniary value" or "special value," which applies to personal property that has no ascertainable market value.

Ranci Endo: The Inside track on Pet Health Insurance, you'll find useful tools, news, features, hot tips, and crucial advices –Blog: ReiVRE-Money Talk: Pet Insurance review
today’s guest contributor -Amy Danise an editor for http://www.insure.com

Four Simple Steps to Buy Pet Insurance

There’s always a first time for everything, and seeking pet insurance is not exceptional. The question in today’s Used Cars-reiVRE Hot Pulse is – “What are the four simple steps to buy pet insurance?"

... Be faced with numerous options. Therefore for you to get the best value for your money you need to compare pet insurance options and policies to see which policy is most suited for you. Before you start your comparison: i) you must...

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Four Simple Steps to Buy Pet Insurance

If you have not already realized, the costs of veterinary care is escalating. By purchasing a pet insurance for our pets is also a wise choice to keep pet care costs within an affordable range. As pets become an important member of our family, purchasing a pet insurance is one of the ways to ensure our pets in getting the best care it possibly deserves.

Here are the 4 simple steps to purchase your pet insurance

1) Pet Insurance Online

Since most pet insurance companies have their own websites, one of the best ways to begin your research in pet insurance is to look for them online. When you do so, you will find a wide variety of insurance options and pricing. Some companies will even give you an additional discount if you purchase their pet insurance online.

However the first thing you should do is to select a number of pet insurance companies and make sure that you only deal with those reputable companies. Therefore check to see if each company is truly legitimate by going through them with The Better Business Bureau website.

Looking for a pet insurance online enables you to look for a policy that suits your needs faster. It is also more accurate because you have access to thousands of different sites. With this much information that can be gotten so easily you will able to make an informed decision in purchasing a proper pet insurance.

2) Pet Insurance Ratings

Since the internet is so easy to access, there will also be just as many scams regarding pet insurance companies. With thousands of pet insurance websites, there is also another method to get the best pet insurance that most suits your needs. That method is by looking at the pet insurance ratings.

By reading the pet insurance ratings you are able to tell which the best pet insurance company is and which insurance company to avoid. If you look at the pet insurance ratings, you can be sure to get what you pay for.

If you are wondering where to look for the pet insurance ratings, you can find most of them done online by independent companies. This is the best done by independent companies because you know that they aren't biased and therefore they are going to give you great information.

3) Pet Insurance Quote

Pet insurance quotes are available since 1928. Today there are numerous pet insurance quotes for you to decide one that most suitable for you and your pet. Furthermore if you get a pet insurance quote with a complete explanation from several carriers will be a very wise choice to make.

i) You can start by getting a pet insurance quote from your veterinarian. In turn, your veterinarian may offer a discount plan intended specially for his clients, or he may recommend a locally based plan that would be more suitable for you and your pet. This sort of pet insurance may be better for you than one of the bigger plans, depending on both your financial means and the breed of your dog.

ii) You can also choose to shop around and ask for pet insurance quotes from different insurance companies. When you ask for different pet insurance quotes, you will have a solid basis when you compare the services and prices of the insurance companies.

One of the reasons for getting several pet insurance quotes from different companies is that often congenital and hereditary illnesses or pre-existing conditions are not covered by pet insurance. Therefore it is best that you do a thorough research and consult your veterinarian.

iii) After you have found reliable pet insurance companies that may meet you and your pet's needs, narrow down to at least five of them. The reason being the more pet insurance quotes you have, the more difficult it is for you to make a choice. If you want to simplify things, you can narrow down your choices right from the start.

4) Compare Pet Insurance

Since there so many pet insurance companies, you will be faced with numerous options. Therefore for you to get the best value for your money you need to compare pet insurance options and policies to see which policy is most suited for you.

Before you start your comparison:

i) You must have a general idea about what options you need for your pet. For example, basic plans are the cheapest but they also cover only the basic emergency and illness care.

ii) You also need to look at things such as deductibles, copays, and lifetime limits.

iii) You need to find out how a claim is filed and how the claim is paid. It is also useful to know what items are excluded and what items have payment limits placed on them.

iv) You should find out if you are allowed to visit the vet of your choice or do you have to use a vet recommended by them.

v) Do also find out which ones cover after hours emergencies such as accidents and sudden serious illness and that if the accident or illness is serious and your pet may require a specialist.

When you find the policy that you feel is most suitable for you then all you have to do is fill out their form which gives them your pet's information. The pet insurance company may also set up to accept payment online.

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Credit to Cindy Heller is a professional writer. Visit pet insurance plan to learn how to buy pet insurance plan and find affordable pet health insurance.

NB: for more valuable information and guideline visit: Pet Health Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

-thank you for reading and comments if any: - ranci endo

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How to choose Pet Insurance Company

There's always a first time for everything, and getting Pet Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Pet Insurance is – "How do you choose the right pet insurance company?"

In a time when there seems to be almost constant talk about the issues surrounding health care coverage for families in the United States, there is an insurance product that is often overlooked. Animal health cover is designed to cover the veterinary costs for the health care of the four-legged members of the family. If your family includes one or more family pets, then seeking out policy information from a reputable pet insurance company might make good economic sense.

Just as the human members of the family need and deserve adequate health care, so do your pets. Household animals and even livestock such as horses, cattle and exotic animals are all subject to any number of illnesses and accidents that threaten their health and longevity.

In fact, in the last decade or so there has been a significant increase in the incidence of cancer and other serious diseases in domestic mammals and other animals. Because of this, it is a wise choice to seek out pet insurance coverage.

Securing animal health cover coverage from a reputable and reliable company can be of enormous benefit to a family, especially families with many of them in the household. Such a pet plan can guarantee protection against financial hardship for a family if they are faced with large veterinary pet bills. The stress and anxiety that a family is put under if they cannot afford a life-saving procedure for their animal can be devastating.

In recent years, veterinarian care has expanded and there are more diseases and illnesses that can now be treated. With the expansion of care, there has also come an increase in associated costs, very similar to the rise in health care for humans.

The good news is that this shift has lead to more interest in animal health cover and an increase in pet insurance company coverage options that are now available. In addition, there are also more companies offering pet insurance, increasing the competition and thereby keeping the cost in check.

No matter which animal plan company you select to carry your pet insurance coverage, the reputable companies will strongly recommend that you take steps to try to prevent illness so that your animal can enjoy health and well-being to the greatest degree possible. The best pet insurance plans will cover wellness care, or preventative care procedures.

This would include vaccinations, health screenings and other types of routine care that should be taken care of as advised by your trusted veterinarian. Also, new kittens or puppies introduced to the family should have a visit to the vet's office for their first examination within 48 hours of bringing them into the home.

In most cases, your veterinarian will have you bring your new mammal back to the office to get booster vaccinations three to four weeks later. In addition, preventative care routines dictate that you return for annual vaccinations and booster shots for the long-term benefit of all the pets in the household.

These costs can add up to several hundreds of dollars a year, especially if there are multiple mammals in the household. Before choosing your insurance company, be sure that they offer coverage for preventative care.

Although it can be tempting to buy the cheapest pet insurance you can find, often in the long-run it is better to choose a pet insurance company that believes in the value of preventative health care for domestic and other animals. A policy that covers wellness care might cost a bit more each month, but it will ensure that you never have to worry about being able to pay for the proper care for your family pets.

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Credit to Mike Selvon pet insurance company.

NB: For more valuable information and guideline visit: Pet Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read i and benefit!

Cheap Pet Insurance Brings Peace Of Mind To Animal Owners

There's always a first time for everything, and getting Pet Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Pet Insurance is – "Is it a sound idea to purchase cheap pet insurance?"

There are many households in the United States where the pets in the family are considered to be of equal importance just as any other member. Just as the family is concerned about the health care needs of loved ones, they are equally concerned about the well-being of their beloved pets. Purchasing cheap pet insurance can help the family to have the security that their family pets will be able to get the health care they deserve, without the stress of figuring out how to pay for the veterinary pet bills.

Pet insurance is a fairly new insurance product on the market. It has become a great way for average families to be able to have the sense of peace and security that the animal will be properly cared for in case they encounter some type of illness.

Pet health insurance was introduced to the market about 20 years ago and was met with some skepticism and ridicule. Some thought it was simply a new method for insurance companies to sell policies, while others thought that is was something only the wealthy could afford. However, for many families, cheap pet insurance has provided the needed coverage for health care services for their pets and reduced financial stress for the family.

The best news is that with the advent of more affordable and cheaper pet insurance, people are able to relax knowing that their animal will be taken care of in times of need. This takes away the worry and concern that is often in the back of people's minds. When a family budget is already stretched thin to take care of necessities for the children in the household, adding concern about an illness or accident with the family animal can place additional stress on the parents.

Now that pet health insurance has been on the market for a few years, there are more and more providers entering the arena and bringing competition. This has the beneficial effect for the consumer of lower prices and making cheaper cover available. There are now options for veterinary pet care coverage that can be obtained for just a few dollars a month as the premium.

However, it should be noted that cheaper cover for your animal is not always the best option for your particular needs and for your specific situation. One of the things to watch out for when doing any kind of animal cover comparison is to uncover how reliable the company behind the policy is. It can be terribly frustrating and expensive to make a decision to go forward with a procedure for your pet based on expected coverage and then run into excuses and run-around's by the insurer trying to avoid paying the veterinarian.

One way to avoid this problem with any kind of animal cover, is to do your homework. Ask questions about how long the company has been in business. Search the internet forums for people who have had experience with the pet insurance company you are considering. Check with your veterinarian and ask if they know the company and if they have ever had problems with being paid promptly.

Taking time to do this type of research will help you to avoid the problems that could turn your cheap pet insurance coverage into a hassle or a nightmare. It is also a good idea to find out where the company is based and check with their local Better Business Bureau to see if they have had any complaints that have gone unresolved. Taking these additional steps will give you great peace of mind knowing that you have chosen an affordable pet health insurance policy.

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Credit to Mike Selvon pets

NB: For more valuable information and guideline visit: Pet Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

The Advantages of having Pet Insurance

There's always a first time for everything, and getting Pet Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Pet health Insurance is – "What are the benefit facts?"

Pet insurance helps to cushion the owner’s again financial hardship.

These days, pet insurance is receiving a good deal of attention, both in the marketplace and in the media. There is a terrific reason for this. People seem to love their mammals more than ever and having health insurance pet plan is a reasonably affordable way for people to assure that their pets will be able to receive the animal welfare care that they need. At the same time, such insurance coverage helps to protect the animal lovers from financial hardship in case of major health problems or accidents with their animals.

Just like health care coverage for humans, insurance for pets can provide for peace of mind, because you will know that they are going to be taken care of in the event of an emergency. There is nothing worse than to have the four-legged family member become ill and be put in the position of having to pass on treatment or even worse, to have to put the animal to sleep because of the cost. As with all types of health care, veterinary animal care costs are increasing on a continual basis.

Securing proper pet insurance coverage can protect the owners from having to make life and death decisions. This provides a measure of peace and security and reduces the stress of the owners of family pets, leaving them with assurance that their animal will be able to received proper veterinary attention when needed.

Pet health cover makes good financial sense for most families. In exchange for a small monthly insurance premium, the greater costs of long-term or emergency veterinary pet services will be taken care of by the pet plan.

While health care coverage for people has been available for many years and is almost considered a must have for every individual and family, insurance for animals is still a relatively new option for mammal owners. For those who have many of them, it seems like a very important thing to have, since dealing with illness or accident for multiple animals can escalate costs quite quickly.

Some mammal owners who have had a pet plan from the time that they were first introduced, say they would never again be without it. They have gone through the experiences of having their animals meet with trauma, accident or serious illnesses and can attest to the thousands and thousands of dollars they saved by having good pet health insurance.

There are many different types of cover policies and prices will vary depending on how extensive your coverage choices are. It is a good idea to take a good amount of time to research the various coverage options you have and compare the costs and also the reputation of the pet insurance company.

Some pet plans will cover everything including preventative types of veterinary treatments and visits. Others cover only emergency procedures. There are even some policies that cover the cost of boarding or kenneling related to the illness or treatment, and some that will cover kenneling when the family is simply travelling or if the caretaker of the mammal is ill and cannot care for the animal. For those who travel extensively, there are also policies available that will refund your cancellation fees if you must cancel a trip because your animal fell ill.

Comparison shopping for your pet insurance coverage will help you to have a complete picture of the various options you can choose that will impact the final cost of the coverage. Purchasing animal health cover can be a wise financial investment for the long-term well-being of your family pets and can help to assure that they remain a healthy part of the family for many years to come.

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Credit to Mike Selvon pets , pet insurance

NB: For more valuable information and guideline visit: Pet health Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

Protecting your Pet: What you need to know !

There's always a first time for everything, and getting Pet Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Pet Insurance is – "Is it really reasonable to expect pet owners to purchase pet insurance too?"

With so many other costs associated with owning a pet these days, is it really reasonable to expect pet owners to purchase pet insurance too? That depends a lot on your ability to pay should your pet become injured or ill, and whether or not you can afford the monthly fee.

At $15-$30 a month to cover dogs and cats, pet insurance isn't cheap, but it also isn't so overpriced as not to be effective. Should your beloved pet become injured or suffer a severe illness, their care could easily reach hundreds, or even thousands of dollars. In the past, many loving pet owners were forced to put their animals down when they found themselves faced with such astronomical care bills. Many of these animals could have been saved had their owners had the protection that today's pet insurance offers.

It is true that most pet insurance policies do not cover preventative or routine veterinary costs, vaccines, existing conditions or long term care, they do generally cover most surgery, in-patient care, medications and the like for animals that have been in an accident or are struck with a sudden illness.

Some insurance carriers do offer preventative care riders that can be purchased at an additional cost to help cover regular office visits to your veterinarian.

In addition to health care coverage, some pet insurance policies also cover:

Loss and Reward Services.
In the event your precious pet is lost or stolen, your policy may cover the cost of finding him/her and returning them home. This may include advertising fees, rewards, and even compensation for animals that aren't found. Many owners with pedigree and exotic pets opt for this coverage since the cost to replace their pet can be quite high.

Liability Insurance.
You may have the mildest mannered pet on the planet, but that doesn't mean the still can't cause injury to someone or something in the future. With today's high litigious society, a dog bite alone can cost you thousands in compensation fees. As a pet owner, you are solely responsible for any damage they may cause. Renters especially should consider a liability policy since they don't have a homeowner's coverage to fall back on should their pet hurt someone or a neighbor's property.

It may be true that investing in insurance for your pet may have been a luxury reserved for the rich and eccentric years ago, the high costs of veterinary care has made it more of a necessity for many current pet owners. To find a policy that best meets your needs and budget, check out one of hundreds of websites available that list a variety of insurance carriers and the coverage they offer.

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Credit to Niche Websites Network at http://eWebCreator.com.

NB: For more valuable information and guideline visit: Pet Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

How to find Pet Insurance Policy that is right for you !

There's always a first time for everything, and getting Pet Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Pet Insurance is – "Do you really need it?"

We all know that pets can be expensive. RSPCA figures suggest that an average dog costs you just under £10,000 over the course of its life; and the average cat isn't much cheaper, coming in at just under £9,500.

If you're on a tight budget, ‘helpful' acquaintances may already have pointed out that getting rid of Rover or Tiddles would save you a packet.

But for many people, this simply isn't an option. Millions of pet owners see their furry (or scaly) friends as part of the family, and would just as soon kick out their partner or children.

So in this two-part series, I'm going to look at how you can spend less on your pets - without their welfare being affected.

In this article, I'll focus on pet insurance.

Do you need it?

The opposition: Those against pet insurance say it's overpriced, with some policies packed full of exclusions that prevent you from claiming.

It can cost £30 a month, or even more - so if you never make a claim, it's certainly a lot of money out the cat flap.

Self-insurance: There are other ways of providing for your pet. Some people choose ‘self-insurance'; putting money into a saving account each month to provide for pet emergencies.

On the plus side, you'll be earning some interest this way, and if no problems occur, you've built up a nice little fund.

However, problems could arise if you haven't built up enough cash when an emergency happens.

A good bet? Champions of pet insurance point out that you can get suitable, affordable cover for £10 a month or less.

And imagine the worst-case scenario: you've got no savings, and your pet suddenly needs emergency treatment costing hundreds or even thousands of pounds.

£120 in payments over the course of a year seems a lot more reasonable when it covers £2000 of treatment.

Finally, it's worth remembering that pet insurance doesn't just cover illness and injury.

Many policies also provide for theft of your pet, and some even cover more obscure eventualities, like the cost of a cancelled holiday if you need to nurse a sick pet at home.

What's it all about?

If you do decide to take out pet insurance, it's important to understand that it operates on a different basis to most other personal insurance.

Unlike home and motor insurance - which can be changed annually - pet insurance is likely to be taken out for the life of the pet.

This is because if pets are treated under one policy and then - at renewal - a new one is taken out, the new insurer generally will not cover any ‘pre-existing' conditions.

Which means the pet owner will then have to fork out for treatment of these him or herself. So, it's vital you choose the right policy from the start.

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NB: For more valuable information and guideline visit: Pet Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"