Thursday, July 11, 2013

Pet insurance discount

Getting a discount on your dog insurance is as easy as enrolling online. Literally.
We’re committed to helping you cut your costs, without ever compromising your pet’s health insurance coverage. That’s why we offer a variety of money-saving discounts* which can be combined, up to a maximum of 65% (20% for veterinary professionals), ensuring you get the best value for your pet insurance policy.

More than one pet? Insure your entire four-legged family (cats included!) with Petplan and you’ll get a +25% discount for each pet you enroll after the first one.

Medical Services Pet Discount: 10%

In appreciation of the noble work they perform, Petplan offers a 10% discount for medical services dogs.

Veterans and Serving Military Discount: 10% In recognition of the invaluable service they provide, Petplan offers a 10% discount for any serving or retired member of the Armed Forces. 

Veterinary Professionals Discount: 15% 
Next to our pets of course, veterinary professionals (staff and student) are our heroes, which is why we offer a 15% discount to veterinary professionals. 

Why get pet insurance?
Pets play an integral part in the lives of millions of people and whilst they don't share the life expectancy of the average human, it's crucial to ensure that they're well looked after.
Man's best friend provides companionship and security and aside from food and shelter won't ask for much in return. But even a routine trip to the vet can be expensive. Should your pet require a surgical procedure due to illness or injury, you need to be prepared financially. 

Be prepared for pet-related emergencies
There are a number of other threats to your pet's well-being. What if your pet gets lost or is stolen? Could you afford to advertise a missing pet? And what if something happened to you? Who would look after your pet if you were hospitalised, for example? Travel arrangements often take priority over just about any unforeseen eventuality, but what if you had to cut short a holiday because your pet required life-saving surgery?
Cover will help you deal with many of these situations. The policy benefits include vets' fees of up to £1,500 for accidental injury, up to £1,000 in advertising and reward fees if your pet is lost or stolen and up to £500 towards emergency illness treatment.

Want more comprehensive pet insurance cover?
If you've got a pedigree cat or dog or want a more comprehensive cover, a Churchill Pet insurance policy may be the right solution for you and your four-legged friend, offering up to £3,000 vets' fees per illness or injury. A bereavement and legal advice line are standard benefits.
Give your pet the love it gives you; a Churchill Pet insurance policy can help you look after the wellbeing of your furry friend. Get an online quote today and you'll even be eligible for a 20% discount.

Pet Insurance

Pet Insurance
The first pet insurance policy was written in 1890 by Claes Virgin. Virgin was the founder of Länsförsäkrings Alliance, at that time he focused on horses and livestock. 
In 1947 the first pet insurance policy was sold in Britain. As of 2009, Britain has the second-highest level of pet insurance in the world (23%), behind only Sweden. In 1982, the first pet insurance policy was sold in the United States, and issued to television's Lassie by Veterinary Pet Insurance (VPI).

Many pet owners believe pet insurance is a variation of human health insurance; however, pet insurance is actually a form of property insurance. As such, pet insurance reimburses the owner after the pet has received care and the owner submits a claim to the pet health insurance company.
UK policies may pay 100% of vets fees, but this is not always the case. It is common for UK pet health insurance companies to discount their policies by offering customers the chance to pay an "excess", just as with motor insurance. Excess fees can range from £40 to £100.
Policies in the United States and Canada either pay off a benefit schedule or pay a percentage of the vet costs (up to 90%), after reaching a deductible, depending on the company and the policy. The owner usually pays the amount due to the veterinarian and then sends in the claim form and receives reimbursement, which some companies and policies limit according to their own schedules of necessary and usual charges. For very high bills, some veterinarians allow the owner to put off payment until the insurance claim is processed. Some insurers pay veterinarians directly on behalf of customers. Most American and Canadian policies require the pet owner to submit a request for fees incurred.
Previously, most pet insurance plans did not pay for preventative care (such as vaccinations) or elective procedures (such as neutering). Recently, however, some companies in Canada, the United Kingdom, and the United States are offering routine-care coverage, sometimes called comprehensive coverage. Dental care, prescription drugs and alternative treatments, such as physiotherapy and acupuncture, are also covered by some providers.
There are two categories of insurance for pets policies: non-lifetime and lifetime.

The first covers buyers for most conditions suffered by their pet during the course of a policy year but, on renewal in a following year, a condition that has been claimed for will be excluded. If that condition needs further treatment the pet owner will have to pay for that him/herself. The second category covers a pet for ongoing conditions throughout the pet’s lifetime so that, if a condition is claimed for in the first year, it will not be excluded in subsequent years. However, lifetime policies also have limits: some have limits “per condition”, others have limits “per condition, per year”, and others have limits “per year”, all of which have different implications for a pet owner whose pet needs treatment year after year, so it is wise to be clear which type of lifetime policy you are considering.

In addition, companies often limit coverage for pre-existing conditions in order to eliminate fraudulent consumers, thus giving owners an incentive to insure even very young animals, who are not expected to incur high veterinary costs while they are still healthy. There is usually a short period after a pet insurance policy is bought when the holder will be unable to claim for sickness, often no more than 14 days from inception. This is to cover illnesses contracted before the pet was covered but whose symptoms appeared only after coverage has begun.
Some insurers offer options not directly related to pet health, including covering boarding costs for animals whose owners are hospitalized, or costs (such as rewards or posters) associated with retrieving lost animals. Some policies also include travel cancellation coverage if owners must remain with pets who need urgent treatment or are dying.
Some British policies for dogs also include third-party liability insurance. Thus, for example, if a dog causes a car accident that damages a vehicle, the insurer will pay to rectify the damage for which the owner is responsible under the Animals Act 1971.