My Favorite Pet Insurance
How to Get the Best Jack Russell Terrier Insurance for You
pet insurance is one of the most important things you can do to protect
your dog's health. It is relatively low cost, but can protect your Jack
Russell or other breed against unexpected problems later on. Jack
Russells in general are a very healthy breed, but a little insurance
can buy piece of mind that you can care for your Jack through his or
her life. The tips below will help you purchase the Jack Russell
insurance that is right for you and your budget.
can you afford not to protect a face like this? Our Jacks are
very active, which is why for a few dollars a month Jack Russell
Terrier insurance is important.
Pet Insurance is relatively a new idea. Many companies
are out there and if you're like me, I tried some that did not deliver
what they promised, or were simply hard to work with, or didn't offer
the kind of packages that worked just right for me and my Annie.
But I like to let my Annie roam and hunt the whole
countryside, and I have had a few occasions when a rush to the Vet
(once because of a cut paw from barbed wire, another time a snake bite,
and another time, injuries ensued from a fight with another dog) ended
up costing me a hand and a "paw"...so to speak.
I felt relieved when I got the bill because I had bought
into a pet insurance for Annie that I thought would take care of most
of the cost.
But when it came down to the fine details of
paying...this company (I won't name names ok?) had some fine
print I had "overlooked" and didn't cover most of the charges.
Been there? Done that?
Well, I set about to find pet insurance I could
And lo and behold I found not only a reliable one, but one that has no
hidden fine print that will surprise you after getting your Vet bill.
But what worked for me, may not work for you, which is
why I suggest you get quotes from several high quality companies. You
know your dog best, what you can personally afford, and rates vary by
where you live. If you can afford every day care, then look
for a policy that covers you for higher cost problems such as broken
Annie has been to the Vet three times since purchasing
my pet insurance policy (once
again for the Napoleon complex injuries...fight
with a bigger dog) and each time the speed by which they
delivered payment, the friendliness, but especially the promised
coverage, went through without a hitch.
I just couldn't be more pleased.
So when I find good products for my Jack Russell
friends, I can't wait to point them in the right direction.
I suggest you check out the following pet insurance
companies, all are a good choice:
: This was the first insurance company for
pets. It was started by a veterinarian who couldn't stand to see his
patients not receive the care they need because of the high cost.
They have many fairly priced plans available.
This provider offers program that has many of the features you should
look for in a dog health insurance policy including unlimited lifetime
coverage, and premiums do not increase based on the age of your dog.
3. Trupanion: This is the dog health
insurance company backed by Petco. If you prefer to purchase
insurance from a company backed by the reputation of a large company,
this is the way to go. The positives with this plan is that they make
it very easy. They offer 1 plan that pays 90% of your
Why You Need Jack Russell Insurance
Here are some good reasons for why you need Jack Russell
insurance. These were some of the reasons I decided to insure Annie, so
I thought I would list them here for you to help you see the benefits
of protecting your dog.
|#1 - No Need to Decide Under Emotional Stress
If your pet suddenly falls sick or is injured, the
last thing you want to worry about is having to make a trade off
what you feel is right and what you can afford. Pet insurance allows
you to avoid life-or-money decisions like these.
| #2 - Pets Can Get Sick Any Time
Young dogs eat stuff they shouldn't, indoor cats
don't get enough exercise and can become overweight and unhealthy,
older pets get arthritis and high blood pressure. Stuff like this
happens, you can't really plan for it.
| #3 - Do What Is Right, Not What You Can Afford
When you are discussing treatment options with
your veterinarian, you want to focus on doing the right thing, not the
cost. Pet insurance helps you do that.
| #4 - Seemingly Simple Things Can Cost Thousands
A simple fracture can cost $2,000 or $3,000 to
repair. Could you pay this if it happened today?
| #5 - You Have How Much Saved Up?
You keep saying you want to set aside an emergency
fund for veterinary bills ... how much have you saved up so far?
| #6 - Vet Costs Rising Faster Than Your Wages
Veterinary care is expensive and continues to get
more expensive as it becomes more sophisticated. The statistics say
that our wages are having trouble keeping up.
|#7 - It's Not Expensive
Pet insurance that is designed properly can help
you plan for life's unexpected turns and be inexpensive too.
| #8 - Because They Would Do It for You
The unconditional love your pet shows you every
day tells you.
It can't hurt to check with your veterinarian as well
to make sure that he or she accepts the insurance policy you selected
Pet Insurance Questions to Ask:
Here are some basic questions to ask or review when buying Jack Russell
- Deductible: Higher deductibles
(the amount you pay for each incident before the isnurance company
pays) means lower premiums.
Most plans let you change your plan options at any time such as
deductibles, check to make sure you can make adjustments as you learn
how your plan works.
- Limits: Some plans cap the amount
they will pay for
each incident or problem and over the life of your dog.
- What the Pet insurance plan coves and what options
are available: Areas of coverage include:
Every day care: these are usually optional such as dental,
Accident Coverage: Most plans will cover
accidents such as broken
bones. You can purchase a dog accident insurance plan that
only covers these types of medical problems.
Illness: Most plans will cover common illnesses, but ask about what
type of chronic illnesses are covered. Ask specifically about
diabetes, heat ailments and cancer.
- Reimbursement: We prefer plans
that pay a percentage
of the veterinary bill. Be sure that your plan doesn't cap
this percentage, particularly if you live in a high cost area where Vet
bills are higher.
- Veterinarian Selection: Go with a
plan where you can
choose the best veterinarian vs. one that dictates that you go to a
veterinarian in network. Check the policy for emergency care
as well as this might be a different veterinarian. Check also
for the policy towards specialists.
For example, one of our recommended choices, Pets
, lets you see any Vet, pays 80% of your
veterinary bills for accidents and illnesses and reimburses you in 5
days or less. You have a per incident deductible based on the
plan selected. We also like that they have a 14 day refund
guarantee, another sign of a reputable company.
Have a Suggestion Regarding the Best Jack Russell Insurance, Please Share
Do you have a Jack Russell insurance or pet health insurance suggestion in general? Share it and help others! And hey, it doesn't have to be about Jack Russells. Any kind of dog breed is good reading here!
Pet Insurance to our library of Jack Russell Terrier Health and