Saturday, 20 May 2017

Things to Consider Regarding Pet Health Insurance


Pet insurance is not very old, perhaps about twenty-five odd years. Not flatteringly, it is a variation of property insurance, unlike what most people think – that it is an extension of human health insurance. UK was the first country to have pet health insurance and has the best and well thought out packages. US and Canada have caught up though.

How do they work?

The owner pays the veterinarian his dues and then claims reimbursements by submitting a form. Though in the case of high bills, vets are willing to wait till the claim is processed. Unlike the early days, now vaccinations and elective procedures like spaying and neutering are included in the cover. The exclusion of pre- existing conditions incentivizes owners to insure very young animals who may not incur high veterinary costs while they are still young.  There is usually a fourteen-day period between the purchase of the policy and its commencement.

What is the connection between pet insurance and pet recovery?

Many insurers offer options such as microchips for cats and dog tracking chips in addition to the insurance cover.

What is a pet tracking chip?

This is a microchip the size of a grain of rice, which is sheathed in bio glass and implanted under the dog’s or cat’s skin just between the shoulder blades on the back of the neck, which is an area inaccessible to the animal. Some microchips have antimigration properties and stay in the same place, as there is a real fear that they may drift away from their original position.

Once implanted, they can be scanned by a handheld scanner, which then displays their unique ID. This ID can be checked with the registry which has the details of the pet such as the name of the owner, the address and contact details recorded. The pet owner regularly updates these.  These microchips can be implanted by a veterinary doctor with the help of a syringe like an ordinary injection and needs no anesthesia. It is important that you fill in the details with the registry as soon as you get the chip implanted otherwise it is of no use at all.

Dog microchip companies also can implant the chip. A cat tracking tag and dog tracking tag is the same – just that they are marketed separately for dogs and cats.

Microchips for cats are also very much in demand, although it is thought that cats rarely leave their homes and thus never get lost. But the number of cats getting lost is only a little less than the number of dogs.

Thus, pet microchips are part of the best pet health insurance packages and pet owners will be glad that they got their pets microchipped.

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