There are so many insurance plans available for your pet that you could find it very difficult to zero in on the right one. But that’s not all—there are an equal number of insurance companies too, which only compounds the problem for you.
Being a pet owner, it is imperative that you choose a pet insurance plan with the greatest of care. Further, it allows you to protect yourself from expensive vet costs by paying just a small premium each month. But the question still remains—which one should you choose? What benefits will your pet enjoy? How much coverage will he get? You need to consider these and other related questions before selecting insurance for your pet.
Pet insurance is cheap, particularly if you compare the costs of private health insurance for animals or vet costs. You can easily insure your pet for about $10 a month or you might pay a princely sum of about $70 a month for your dog, subject to certain factors. Even if you consider this expensive, in the long run it turns out to be very cheap, if you think of all that it covers at this price. Sometimes, it also includes alternative treatments, like chiropractic care and acupuncture.
What’s the best pet insurance? This is determined by the plan that covers all the basic medical needs such as accident, injury, illness, medicines, etc. It could also cover medical care for his teeth, cancer or euthanasia at a fair price.
When choosing a plan, ask your insurance company the limit they insure pets annually. Often, the limit is $10,000 a year, and for each treatment it cannot exceed $2,500 limit for a UTI. However, you know the best pet policy when it reads that you can choose your own vet.
Features to look for: Apart from the above, here are certain top features you should look for when choosing a pet policy:
§ Continuous coverage for a lifetime: Check that you don’t get a policy that will prevent you from renewing it once your pet meets with a medical problem like cancer or diabetes that is expensive to bear. The best insurance companies will allow your pet to be covered for life when he really needs it. So, you needn’t worry about losing any coverage when he’s down and needs medical attention.
§ Choose your vet: Just because you choose insurance for your pet doesn’t mean you stop seeing the vet he’s used to. If you’ve built up a relationship with a vet over years, you should continue to see him, regardless of the premiums you pay every month.
§ Insurance discount for many pets: If you think having more than one pet is a luxury and too expensive to insure, rest assured because some insurance companies offer a discount on insuring more than one pet.
§ Don’t base your insurance policy on its price: Sure, price is a determinant when choosing insurance for your pet, but it’s not the only one. If you go in for a really cheap one, you might find it’s up to nothing when it’s most needed, so price isn’t the best determinant. Plus, such companies give a lot of trouble in settling claims and protract the entire procedure.
§ Be aware of all the exclusions: Insurance companies might be willing to tell you all that’s covered under their various plans, but will be reluctant to tell you what’s not. However, you must find out all that’s not included as only then will you know how worthwhile a particular plan is. You’ll find that treating your pet for any behavioral disorders and any life expenses are usually not included in these plans.
By Mithi Chinoy
Life and Health Insurance License Exam Cram
Amazon.com Price: $27.95 (as of 2010-03-20 20:17:02 GMT) Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon.com at the time of purchase will apply to the purchase of this product.
If you are studying for your life and health insurance licensing exam, we have the ultimate study tool for you. Life and Health Insurance License Exam Cram is a great resource to help you learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. You'll also receive a CD that includes a fully-customizable test engine, detailed score report and state-specific law supplement. No matter where you are taking your exam or which area you need to focus on during your studying, Life and Health Insurance License Exam Cram is your smartest way to get certified.
Product Details
ISBN13: 9780789732606
Condition: NEW
Notes: Brand New from Publisher. No Remainder Mark.
Reviewer: Robert E. Rodarte, San Jose, California United States
In regard to "Exam Cram, Life and Health" I would recommend this book to my adult children if they want to pass the California exam. In addition to being a great test preparation book, I was able to get my computer to read the book to me, by using Adobe and Microsoft text-to-speech programming, which is free to the general public. This book was much better than the text provided by the school. It even includes information needed to open my own business.
Good luck, Bob.
It did what it was supposed to
Review Date: January 6, 2007
Reviewer: L. Murphy, Washington State
It coverd the same stuff as my course material, but in some cases it was easier to understand and it had additional test questions included to help me study. I passed the test the first time.
Very helpful.
Review Date: January 7, 2008
Reviewer: K. Feldman, Texas
When I decided to make a career change, I didn't have the luxury of taking a lot of courses and time to study. I needed to jump right in and start working as an assistant. I couldn't without my Group 1 license. I finished the book in one week, practiced the tests on the CD and passed the exam the first time.
The book is an easy read, although there are a couple of technical areas which could use a little more depth. The chapter tests help point out areas to review and the CD was a big help going back over the entire book.
All in all, it was worth the price.
exam cram life and health book
Review Date: February 15, 2008
Reviewer: Haw'n Iron, Hawaii, USA
great format and actually interesting to read. This subject cant be broken down and organized any better. Each topic explained well, and given quick examples, which makes it much easier to understand. Short exams after each chapter, which helps reinforce your learning. CD included to practice like the actual exam - what else could you want.
Get a feel of the industry!
Review Date: January 9, 2007
Reviewer: Darryl W. Mitchell, Philadelphia., PA
I have several different resources I'm using to study for my life insurance test and what I was looking for was a book that could give me a feel for the insurance business as a producer and one who really likes helping people. This book does that and more and makes you understand what a great field this is and how you can make peoples lives better by providing this service. You have to go for it and this book can help you for sure. Great book!
Cram Exam
Review Date: August 8, 2005
Reviewer: Shaun Andoll, Baltimore, MD USA
This book is great for anyone who wishes to pass the Life And Health insurance exams.
poor book
Review Date: September 13, 2008
Reviewer: Beverly Carboneau,
in only one chapter, I found what I thought were two errors: the author mixed up churning and twisting, and had the wrong definition for 'per stirpes'. Very discouraging.
Exam Cram and Texas Test
Review Date: August 17, 2008
Reviewer: Patrick Cass, Kerrville, TX
While the book was not specific to the Texas Insurance exam, it did provide enough background to enable me to pass the Texas exam the first time. If you are new to the insurance industry, you should supplement this text with specific information on your state exam. Since I had previously held an insurance license this was a great review and covered some of the new areas. First timers should probably supplement this with an online course of study approved by their state. The exam, administered in Texas by Prometric services, has some questions that the book did not seem to cover in quite the same way. Study the sample questions and answer rationale carefully. Good luck.
A little disappointed
Review Date: November 14, 2008
Reviewer: Jeff Fenske, Northridge, CA
I bought this book because the title, Exam Cram, led me to believe the questions on the included CD were similar to the state exam test questions and they were not. I took my test today. I would have been better off buying the `exam cram' course offered by one of the schools in my state that offer pre-license training. I was just trying to save some money from the local school's price of $69, but the questions weren't at all what were on the test I took today. Because I went to the local school, and took a lesser priced exam cram 8 hour class for $20, I passed. I'm sure if you are really good at reading technical material and memorizing peculiar pieces of it, the book will do just fine. But, if you want to pass the test, so you can go to work in the real world, and not the test world, and see how the state will form their questions and how they may try to trick you with the way they are worded, you're better off with a school that offers training in your state and has questions that more closely resemble what you will be asked. I passed my test today, but I don't believe it had anything to do with the questions included on the CD that came with the book, rather the information that was highlighted as being on the test when I went to the local school.
Great companion while studying for test!
Review Date: August 15, 2008
Reviewer: Laura McMullen, Alabama
This book really was an asset in preparing for the state test. It was very informative and I would agree with the other review that stated that its information was better than what the class offered. The chapter quizzes were very good and the explanations of WHY the answers were what they were helped a lot. It didn't just give you the correct A, B, C, D answer - it went on to define the reasonings. I used the CD that came with it along with the readings and found them helpful. This is a great book to have at your side when taking the class. Good luck!
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