Recently Pets Best Insurance conducted another set of focus groups on pet owners to determine if we were addressing what pet owners really wanted, and to see if they understood the value concept of pet insurance. The results of the study confirmed observations stemming from years of prior experience in veterinary medicine and pet insurance. However, the results also showed that many pet owners believe myths about pet insurance born of misconceptions and incorrect information. Below are the myths we encountered and takeaways from our focus group.”Pet Insurance Is Only For Sick Pets”Actually, you must purchase insurance before your pet is sick, the same as you would buy auto or homeowners insurance before you have an accident or catastrophe. Although Pets Best provides a small amount towards a pre-existing condition insurance is really for future risk (loss).
“Insurance Is a Hassle”
Pets Best pet insurance plans are simple. You just pay your veterinary bills and submit the bills to us. We reimburse you directly in less 帶狗去新西蘭 than a week (unlike some plans which are complicated and utilize schedules which may be substantially less than your actual veterinary expenses). Check out the ‘plans’ section on their site.With Pets Best 80% payment after the deductible, it is easy to figure out how much we will reimburse you for your claims. Since pet owners typically pay out of pocket for their pet’s medical expenses, the turnaround time for payment is shorter, unlike human health care where hospitals and doctors bill the insurance company.
“We Could Not Choose Our Own Vet”
Fortunately with most pet insurance plans there are no Managed Care principals, Pet HMOs or Veterinary PPOs to contend with. At Pets Best you can always select the veterinarian of your choice. Pet insurance is not typically involved in the decision process for treatments, care or cost. The only exceptions are plans that utilize a benefit schedule (which will affect your out-of-pocket costs) and one that is trying to set up a network of veterinarians.
“Pet Insurance Must Be Expensive”
Although premiums vary by company, plan type, age of pet, and species of pet (cat or dog), in most instances pet insurance is very affordable and the monthly cost is about what you would pay for a dinner for two. Pet owners can choose a less costly plan with lower limits and a higher deductible or a higher cost plan with lower deductible and higher limits. Prices will vary from company to company, but most are reasonable. See an overview of Pets Best insurance plans by visiting the ‘plans’ section on their site.”Pet Insurance Has Too Many Exclusions Or Does Not Cover What I Need”When it comes to accidents or illness, pet insurance actually has very few exclusions. Pet insurance is designed to transfer the risk of your pet’s future unknown health cost to the insurer. Close inspection will see that it truly does.