PET INSURANCEREVIEWARE YOU PREPARED TO PAY FOR A VET EMERGENCY?

FACTSFIDO

of U.S. HouseholdsHave Dogs

39%

77 Million Dogs in U.S. HomesI

of Dogs RequireMedical Attention

$45.5 Billion

Spent Annuallyon Pets in the U.S.

/25%

* Approximation based on 2012 premiumsSOURCES: PetPlan, American Pet Products Manufacturers Association, American Pet Products Association

Is On Vet Costs

PET INSURANCE?WHAT IS

As dog owners, we understandthat the day-to-day expensescan add up and the cost of petinsurance is one that mayappear unnecessary at first.Much like our health insurance,pet insurance is there when themoment comes that you need tofall back on the financial supportan insurance plan can offer.

PET INSURANCE?WHY

Pet Insurance is by far the bestmoney I have spent in my life.Last year we needed a very costlysurgery that we couldn’t haveafforded on our own. Without thesurgery, our pet would haveneeded to have been put down.

CanineJournal.com

- Petplan protected since: Sept. 2011

PET INSURANCETYPES OF

Accident Pet Insurance CoverageThe most common and universally offered, no agerestrictions. Covers X-rays, surgeries, tests,medications.

Illness Pet Insurance CoverageOften restricted and/or becomes more expensivewith age as the risk of illness goes up exponentially.

Wellness Pet Insurance CoverageSome would like to have annual wellness visits andcare covered as well to minimize out of pocketcosts when the time comes.

PET INSURANCETOP PICKS FOR

#1) PetPlan#2) Healthy Paws#3) Embrace

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Read Review | Get a Quote

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Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject tochange by the insurance company at any time and are not under the control of Canine Journal. Informationpublished by Canine Journal is intended for reference use only. Please review your policy carefully beforesigning up for a new pet health insurance contract or any other contract as your unique circumstances will differfrom those of others who may be used for example purposes here.

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PETPLAN?WHY

CanineJournal.com Read Review | Get a Quote

Petplan has the highest customer praise of any of the plans.

They cover both hereditary and congenital conditions (in most cases) and do nothave age restrictions, all of which are very rare coverage areas in this industry.

Unlike many other plans, Petplan offers unlimited claims for the lifetime of thepet and will not adjust monthly premiums for newly-discovered conditions fromyear to year, so long as you stay current with your plan.

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Get a 10% discount for multiple pets!Go to: http://www.caninejournal.com/go/petplan/And use coupon code AFF00122

HEALTHY PAWS?WHY

CanineJournal.com Read Review | Get a Quote

Healthy Paws coverage is slightly more expensive than Petplan,but they have less exclusions than Embrace.

They’re one of the newer companies to the pet insurance game,having only been around since 2010.

Pays for most hereditary and congenital conditions, as well aship dysplasia, which makes it a great choice for owners withbreeds that are genetically predisposed to certain conditions.

Some of the best customer service reviews in the business.

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EMBRACE?WHY

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Embrace may have been our second choice if they did not have agerestrictions for illness coverage.

If you have a young, healthy dog or cat, this is the plan for you.

Known for having excellent customer service and reimbursementcoverage.

Customizable plans (adjust deductible, reimbursement percentageand coverage options) so that you can create one that works withinjust about any budget.

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PET INSURANCE COST?HOW MUCH DOES

Here's an example of a few quotes by breed, location, age, etc. so you canbetter understand the pricing ranges to expect before you request a quote.

http://www.CanineJournal.com/Pet-Insurance-Quotes/

Note: these quotes were received in January 2014 and are only examples. Quotes may vary based on your unique needs, timing, etc.

PET INSURANCE?HOW TO CHOOSE

You may want to weight the cost vs. benefit of monthly premiumcost vs. the types (and value) of benefits received in the case of ahealth issue or accident.

If you have an older pet, age limitations will definitely play a part informing your decision on the right pet health insurance plan for you.

Review any plan deductibles or payout percentages that mayimpact your real out of pocket cost in the case of emergency.

http://www.caninejournal.com/pet-insurance-comparison/

Read more tips and full reviews online at

GET PET INSURANCEDON'T BE SICK OVER VET BILLS

TO PREPARE FOR VET EMERGENCIES AND ILLNESSES

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TERMINOLOGYDeductible : The deductible is the amount of money you must pay out of pocket before you areeligible to receive reimbursement from your pet’s insurance plan. Co-Payment: The amount of out of pocket expense you must cover per incident after yourdeductible. Usually listed as a percentage. Pre-Existing Conditions: Any ongoing condition your dog or cat was diagnosed with prior to beingcovered by their policy will not be covered in future claims. Incidents: The condition that is causing you to visit the veterinarian. Exclusions: Items which not covered by your policy. Schedule of Benefits: A document that is provided to you when you sign up for your policy thatoutlines conditions that are covered under your plan and the monetary allowance you are providedfor each diagnosis.Code : Internal system insurance companies use to identify the diagnosis given to your pet.Primary Diagnosis or Condition: Refers to the financial limit that the company places on a primarydiagnosis or condition which includes injections, hospitalization, exams, surgery and treatment.Primary Diagnostic Testing Maximums: Refers to the cost limit the company places on primarydiagnostic testing. This allowance is generally made per bodily system. Allowance : The maximum limit for certain vet costs as they apply to specific conditions.Secondary Diagnosis or Condition: A second condition that occurs as a result of the primarydiagnosis then it will be covered under the benefits listed as a secondary diagnosis or condition. Endorsements: An optional add on to your purchased insurance plan and extends the amount ofcoverage your pet receives for the specific illness listed.