http://www.petarticles.co.uk Fri, 08 Jan 2010 22:12:18 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 http://www.petarticles.co.uk/non-fiction/is-dog-and-cat-health-insurance-really-as-stupid-as-it-sounds/ http://www.petarticles.co.uk/non-fiction/is-dog-and-cat-health-insurance-really-as-stupid-as-it-sounds/#comments Fri, 01 Jan 2010 04:18:54 +0000 admin http://www.petarticles.co.uk/non-fiction/is-dog-and-cat-health-insurance-really-as-stupid-as-it-sounds/ You can insure your house, your car, your boat, and your life, and now, thanks to dog and cat health insurance, Fluffy and Fido can have their own protection, too. But what exactly is it, and is it really as stupid as it sounds? Maybe not. In fact, it could be quite sensible; read on.

This form of insurance isn’t about paying you money if the pet dies; it’s about giving the pet (or, more realistically, the person taking care of the animal) some money should you die. This option is particularly favored among the elderly, people who are fond of their pets, and know that there is a good chance that their animal will outlive them.

In essence, you pay a certain amount of money monthly to a trust, and, should you die before your animal does, the trust will then pay a certain amount of money monthly to the person designated your pet’s guardian in your will. This is an especially desirable option if you already know who you want to look after your pet should you die–someone both you and your pet like–but you’re concerned that they not be saddled with the cost of caring for your pet. This can be a wise investment choice for both you and Fluffy or Fido.

But dog and cat health insurance must be handled carefully. Don’t purchase it and then start looking for someone to manage the money and care for your pet when you’re gone; greed may cause your animal to get the rotten end of the stick. Instead, find someone you trust. Discuss the possibility of their taking care of your pet when you die. If it’s someone you feel comfortable with, and someone your pet seems to genuinely like, then you may wish to let them know that you’ve purchased pet insurance to help with the costs of pet care after you’re gone. Before that, however, it’s never a good idea.

A similar idea, with similar problems, is a pet trust, where a certain amount of money is put into a special savings account, with the interest going to help pay for pet care after your death. The same problems exist here as with insurance–namely, finding someone you can trust to care for the pet–but there are some significant differences. For instance, with a trust, a large lump sum is generally required to start the trust, with the option of adding to it later on; with insurance, you make monthly payments.

Over time they can add up to more than the trust would cost, but the money is spread out. Plus, depending on the interest rate you’ve gone with, you can have to come up with quite a large sum of money to begin with, just to make those cat food payments. With insurance, you’re guaranteed the amount you signed up for, no matter what.

But, in the end, it isn’t as much about trust funds versus dog and cat health insurance as it is setting aside a little something ensure that your best friend isn’t forgotten after you’re gone.

]]> http://www.petarticles.co.uk/non-fiction/is-dog-and-cat-health-insurance-really-as-stupid-as-it-sounds/feed/ 0 http://www.petarticles.co.uk/non-fiction/buying-pet-health-insurance-for-cat-or-dog-peace-of-mind/ http://www.petarticles.co.uk/non-fiction/buying-pet-health-insurance-for-cat-or-dog-peace-of-mind/#comments Tue, 08 Sep 2009 14:02:11 +0000 admin http://www.petarticles.co.uk/non-fiction/buying-pet-health-insurance-for-cat-or-dog-peace-of-mind/ Cats are a very individual minded animal. In other words, cats do for cats and are not mentally hardwired to follow a leader in the same manner that a dog will. That is why a cat will probably want to forgo the need to acquire proper cat insurance. Now, while cats are notoriously single-minded, human beings should know better. Human owners who love their cats should go the extra length and acquire the proper pet health insurance for cat so as to provide a financial blanket to cover a major procedure in case a pet cat requires such help.

Some may not see the need for cat insurance if the cat is an indoors cat. After all, all the major problems that a pet cat could face derive from an unfortunate incident that might occur outside the safety of the cat’s (well, your) home. Unfortunately, common things such as aging can result in medical and dental problems that can prove virtually catastrophic. And remember, such events can occur without any trauma presented to the animal or in conjunction with any out or normal circumstance.

It is not uncommon for a cat to develop bad breath. Sometimes, the halitosis will be so severe that the cat’s owner decides to take the pet to the vet to have a little dental cleaning performed. It shouldn’t be that big of a problem, should it? After all, a little dental cleaning certainly won’t cost that much. Well, if all that is required is a little dental cleaning, then there will not be much of a cost.

But what happens if the cat has developed a severe cavity that needs to be pulled? What it there are two or three cavities? What if there is the presence of gum disease that may lead to a life threatening infection? What if a blood test is required in order to gauge the severity of the potential infection? All of a sudden, a $50 visit to the vet has expanded into a major procedure that can cost upwards of $500. Pet health insurance for cat is the answer.

If that cautionary tale did not provide proper impetus for motivation to purchasing proper cat insurance, nothing will. Well, actually, there can be a whole host of cautionary tales provided that would hopefully motivate people into purchasing cat insurance. The common thread behind of these cautionary tales is the moral of the story: accidents and problems can occur at any time.

Therefore, it is always wise to have the precaution of a proper cat insurance policy in place so as to financially cover any catastrophe that might occur. Pet health insurance for cat can be acquired from a quality insurance issuer and is usually quite affordable. Furthermore, the coverage can be quite extensive and all encompassing.

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