4 things to know about pet insurance

4 things to know about pet insurance

Many people are unaware of pet insurance, even after becoming pet owners. It is important to do thorough research to learn everything one needs to know about pet insurance. Not doing so can result in buying insurance policies that do not entirely suit one’s requirements. Like other kinds of covers, pet insurance comes with a long list of terms and conditions. Here are some things one should know before investing in pet insurance policies:

It is usually a reimbursement plan
It is important to know that, unlike the case with certain medical insurance policies that cover humans, pet insurance only kicks in after policyholders make payments for the treatment of their beloved pet companions. One needs to initially cover the bill at a vet’s clinic after availing of the latter’s services. If the pet insurance company does not cover the cost, such an individual will suffer a financial loss. To get a measure of this, one needs to get a full estimated breakdown of the costs of treatment for one’s pets from the veterinary expert. Using this breakdown, one can know which costs will be covered by the insurance provider and which ones will have to be paid out of pocket.

Cheaper does not always equate to better
A major mistake people make while buying any pet insurance policy is looking for the cheapest option available and then purchasing that policy for their pets. While the costliest policies may not necessarily be the best, they tend to have greater coverage, a wider array of features, and less difficulty to be activated. On the other hand, the cheapest policies would not cover most health emergencies and injuries of pets. Therefore, rather than penny-pinching, one needs to purchase policies that cover all the needs of one’s pets. Think holistically while purchasing policies so that all circumstances are covered. Even if these policies seem expensive, the extra costs are totally worth it for the well-being of one’s pets.

Pet insurance covers much more than medical emergencies
Pet insurance covers much more than just pets’ illnesses and injuries. These policies cover everything from a pet’s wellness check-ups to preventive treatments and routine care procedures. Comprehensive pet insurance policies offer the broadest coverage, covering things like vaccinations, illnesses such as cancer, and hereditary health conditions that pets inherit from their biological parents. Other pet insurance policies, such as accident-only, accident and illness, and wellness plans, cover health emergencies and illnesses.

Pre-existing conditions are not covered
This aspect of pet insurance policies is similar to human medical insurance coverage. Before buying a policy for the pets, one needs to tell the provider everything about one’s pet’s medical history and overall health records. Insurance providers do not cover pre-existing conditions such as allergies and lifelong infections. Only health conditions developed after purchasing the policy are covered.

Popular Reads

Here’s how you can get your allergies detected

Here’s how you can get your allergies detected

How many times have allergies caused you to sneeze every time you take a ride in the open air? Or rashes on coming in contact with a plant? Or swelling as a result of a peanut allergy? Sneezing, running noses, watery eyes, rashes, swelling all these reactions due to allergies can be quite distressing. Allergies are more common and can be caused by various things. The cause of allergies is still unknown, it could be genetic or just a singular development. However, they can be easily detected by just visiting your doctor and undergoing some tests. Read on to know more about what are allergies and how to detect them. What are allergies? The immune system is designed to fight any entrant in the body that it recognizes as foreign. However, at times, the immune system becomes over vigilant and starts fighting foreign entrants that are not harmful. Substances that cause the immune system to react this way are called “allergens”, and when you display symptoms of these interactions, you are diagnosed “allergic” to the substance. Allergens can include plants, grass, pollen, dust, food, animal dander among others. While symptoms like running nose, sneezing, watery eyes, rashes, itching, and others, are all attributed to allergic reactions.
5 frequently asked questions about Alzheimer’s disease

5 frequently asked questions about Alzheimer’s disease

A common form of dementia, Alzheimer’s disease is a debilitating and progressive disease that affects the brain and motor functions of the body. The disease progresses through stages. It begins to affect the regions of the brain that control language, thought, and memory. In most of the cases, it begins with a slight memory loss. In the final stages, Alzheimer’s disease leads to the loss of various abilities including motor skills, speech, and independent movement. Here are a few frequently asked questions about Alzheimer’s. What are the causes? Alzheimer’s disease does not have any definite cause. Research has been unable to conclude whether Alzheimer’s is developed by one cause or multiple ones. The exact cause of the ailment is not yet known. However, there are multiple factors that may increase the risk of Alzheimer’s disease. One of the major causes is ageism. Also, a family history of Alzheimer’s is another major risk. This may lead to the inheritance of genes that cause this disease. Some other possible risk factors that can cause Alzheimer’s include high blood pressure, cardiovascular diseases, and high cholesterol. What are the symptoms? In most cases, the first warning sign of Alzheimer’s disease is a loss of cognitive ability.
Four important steps in anemia management

Four important steps in anemia management

Hemoglobin is a protein molecule in the red blood cells responsible for carrying oxygen throughout the body. Its richness in iron gives blood its red color. Anemia is a condition where a person has low hemoglobin or red blood cell count. From an underlying disease to nutrient deficiencies, there are a lot of factors that contribute to the onset of this condition. There are many forms of anemia. Some of them include: Iron deficiency anemia -This is caused due to low iron levels in the blood. Most common causes of this type of anemia are heavy menstruation or internal bleeding. Vitamin deficiency anemia – This type of anemia is caused by the deficiency of vitamin C, B-12 or folate Aplastic anemia – Damaged stem cells in the bone marrow fail to produce enough red blood cells, leading to aplastic anemia. Sickle cell anemia – This is a condition characterized by the development of abnormal crescent-shaped red blood cells. Hemolytic anemia – This is a blood disorder caused due to premature death of red blood cells. Thalassemia – This is caused due to low amounts of hemoglobin in the blood. The blood disorders vary in duration and severity. Prompt diagnosis, and treatment are important because anemia could also be due to an underlying condition.