Home - Pets - 9 Common Mistakes To Avoid Before Buying Pet Insurance

9 common mistakes to avoid before buying pet insurance

9 common mistakes to avoid before buying pet insurance

One crucial aspect of safeguarding a pet’s health is pet insurance. It is a financial safety net that ensures pets receive the best possible veterinary care without the parents being burdened by exorbitant costs. In the intricate tapestry of pet care, unforeseen circumstances and health challenges can arise, demanding immediate attention and expert intervention. This is where the significance of avoiding common pet insurance mistakes comes into play.

Waiting until it’s too late
One prevalent mistake is procrastinating on getting pet insurance. Waiting until a pet develops a health issue or reaches a certain age can lead to limited coverage or exclusions for pre-existing conditions. To maximize the benefits of pet insurance, it’s advisable to enroll pets at a young age when they are healthy, ensuring comprehensive coverage throughout their lives.

Overlooking policy exclusions
Pet insurance policies often include exclusions, detailing specific conditions, treatments, or situations that are not covered. Common exclusions may include pre-existing conditions, elective procedures, and breed-specific hereditary conditions. It’s essential for pet owners to carefully review and understand these exclusions to avoid surprises when making a claim.

Neglecting to compare plans
Not all pet insurance plans are curated equal. Another mistake is neglecting to compare different plans, considering factors such as coverage limits, deductibles, reimbursement percentages, and waiting periods. Each pet is unique, and finding a plan that aligns with the pet’s breed, age, and health needs is crucial for optimal coverage.

Opting for the cheapest option
While budget considerations are valid, opting for the cheapest pet insurance without checking the coverage details can be a costly mistake in the long run. Some inexpensive plans may offer limited coverage, higher deductibles, or lower reimbursement percentages, resulting in exorbitant out-of-pocket expenses when veterinary care is needed.

Disregarding wellness coverage
Many pet insurance plans offer optional wellness or routine care coverage for preventive services like vaccinations, dental cleanings, and annual check-ups. Neglecting wellness coverage is a common oversight, as preventive care can contribute to a pet’s overall health and well-being. Evaluating the cost-effectiveness of adding wellness coverage is essential for a holistic approach to pet healthcare.

Not understanding reimbursement methods
Pet insurance providers commonly use different reimbursement methods, such as actual costs, benefit schedules, or customary charges. Understanding how reimbursement is calculated is crucial for managing expectations and avoiding surprises when filing claims. Some plans reimburse a percentage of the actual veterinary bill, while others follow a set schedule or customary charges for specific procedures.

Ignoring customer reviews and ratings
Neglecting to research and consider customer reviews and ratings for pet insurance providers is a mistake that can lead to dissatisfaction with the chosen plan. Real-life experiences from other pet owners can offer valuable insights into the provider’s customer service, claims process, and overall satisfaction levels.

Not reevaluating coverage over time
As a pet ages or experiences changes in health, their insurance needs may evolve. Failing to reevaluate coverage over time is a common mistake. Regularly assessing a pet’s health and adjusting coverage accordingly ensures that the insurance plan continues to meet the pet’s healthcare requirements.

Assuming all pets require the same coverage
In households with multiple pets, assuming that all pets require the same coverage can be a mistake. Each pet comes with unique health considerations. Tailoring coverage to each pet’s specific needs ensures they receive the appropriate level of protection without overpaying for unnecessary coverage.

Previous Read

7 human foods that dogs can safely enjoy

Dogs belong to the Canis lupus familiaris species, and their digestive systems differ from humans. Since they have different digestive systems, their nutritional needs vary too. Many dog food brands are available on the market with uniquely formulated treats that should be a part of your pet's daily food plan. However, once in a while, it is safe to offer them one of these seven human foods from your plate. Carrots Carrots have several health benefits for dogs. Chewing them helps maintain their dental health by removing plaque from the teeth. Carrots are also a good source of vitamin A, which is excellent for strengthening your puppy's immune system, skin, and coat. Further, they have potassium, fiber, and other essential nutrients. Apples Apples are a great source of vitamins A and C. They are also a healthy source of fiber, which can help regulate your pet's digestive system. However, you must keep your furry friend away from rotting apples, which can lead to food poisoning and, consequently, symptoms like diarrhea and vomiting. White rice Giving your dog white rice is an excellent idea if they have an upset stomach. It is easy to digest and can help bind their stool. However, like in humans, rice can lead to a rise in blood sugar levels, so dogs with diabetes should be given this food in small amounts. Fish Fish like salmon, shrimp, and tuna are great protein sources for your puppy. Salmon and tuna, in particular, are also rich in omega-3 fatty acids, which help keep their immune system, coat, and skin healthy. The vitamin B in shrimp helps maintain a dog's digestive system and improves blood circulation. While these fish are safe, remember to cook them properly before serving, as raw or uncooked fish may have harmful parasites. Chicken Plain boiled chicken is an excellent option for your puppy, especially during episodes of an upset stomach. Chicken is also one of the most common ingredients in dog food as it is rich in protein, which is essential for overall health. You can feed your dog cooked chicken as is or mix it with regular food. But do not feed raw chicken as it can carry harmful bacteria like Salmonella. Pork Cooked unseasoned pork is safe for pets in small amounts. Since pork has a high fat content, it can be challenging for some dogs to digest and cause inflammation and pancreatitis. So, it is best to offer them pork in limited quantities. Do not feed bacon or ham as their salt contents are high. Dairy products Dairy products like milk, cheese, and plain yogurt are safe if fed in small amounts. Too much dairy can lead to digestive problems, as dogs have low lactase levels, the digestive enzyme that breaks down the sugar lactose found in dairy products. Pets with lactose intolerance should avoid dairy products altogether. Signs of lactose intolerance include diarrhea or vomiting. Visit a vet if your pup shows these symptoms after enjoying any dairy product. While human foods can be fed occasionally, dogs must get their nutrition from quality dog foods. It is crucial to choose the correct option based on your pet's age, breed, and nutritional requirements. Blue Buffalo and Purina offer personalized food solutions with a collection of meat-rich, natural nutrition, limited-ingredient, and grain-free formulas. Hill's offers scientific and well-balanced recipes for dogs of all ages. NUTRO™ has various flavors, like chicken, lamb, fish, and duck, ensuring your dog enjoys every bite. Royal Canin is known for a great range of wet and dry foods for common breeds of puppies and adult dogs. They also have unique formulas for special needs like digestive support, urinary support, and oral hygiene.

Next Read

6 human foods that cats can safely eat

Cats are picky eaters, but they may jump with glee if you share a titbit from your plate. Felines love variety in food, and you can share some of your food if it is nutritious and non-toxic. Moderation is the key when you feed human food to your cat so that it does not cause any allergies or digestive issues. Here is a list of six human foods that are safe for your cats: Eggs Small quantities of cooked eggs are good for cats. You can set aside a tablespoon of scrambled egg or a piece of a boiled egg while you cook some for yourself. Don't season it, add any oil or butter, or  feed raw eggs or yolks. Eggs contain a protein called Avidin that may prevent the absorption of Vitamin B. Raw eggs could contain Salmonella, a bacteria that can infect the GI tract of both cats and humans. Severe infection may lead to death in cats, while humans may need hospitalization. Vegetables Cats are carnivores and are partial to meat; a non-meat diet may not excite them as much. However, you can feed small portions of a few vegetables that can supply your cat's fiber, protein, and nutrition requirements. Remember to cook the vegetables before feeding them. Pumpkin, squashes, zucchini, lettuce, green beans, broccoli, carrots, and peas are safe vegetables for your cat. Ideally, you can boil or steam them and serve them without adding seasoning. Avoid sharing portions of raw or uncooked salads from your plate. Meat Most cat food contains some protein as meat is crucial for their eyes, heart, and reproductive system. If you want to feed them meat you cook for yourself or your family, ensure it is cooked well. Avoid seasoned meat, or don't feed them pieces of meat from gravies or curries. Instead of seasoning, you can add spices like basil, cilantro, dill, rosemary, or thyme, which are safe for cats. Small portions of cooked beef, chicken, duck, and turkey are safe meat for cats. Lamb and pork may be fattening, and you can give small portions after trimming the fat. Avoid giving too much organ meat like liver and kidney. Fish Cats are prone to allergies and dry skin. Vets generally recommend omega-3-rich fish oils that are rich in anti-inflammatory properties. Fish can also help older cats that are prone to arthritis. Feeding your cats omega-3-rich fish can help them get a continuous supply of anti-inflammatory foods. The ideal fish you can feed your cats include tuna, herring, crab, and salmon. Avoid seasoning and also remove the bones. If your cat is used to canned or commercial food, they could choke on fish bones. Oatmeal Oats are a staple ingredient of many commercial cat food brands, and you can feed them to your cat occasionally. Presoak oats overnight, cook them well and mix them with water instead of milk. Don't add sugar or any topping that you may have with your oatmeal. You can also add a small portion of oatmeal to their regular food. If your cat has a previous history of gastrointestinal issues, avoid oatmeal as it can interfere with their digestion. Fruits As a pet parent, you may know that cats cannot distinguish sweet as a taste. You can give them fruits in moderation as treats or as a part of their meal. Sliced bananas, the flesh of watermelon without the rind or seeds, small amounts of strawberries, berries like blueberries, raspberries, and blackberries, small portions of apple, small slices of mangoes, cantaloupes, and pineapples without the rind or skin are all safe for cats. Always chop the fruit into bite-size pieces to prevent choking. Fruits are ideal as treats and not as a whole meal. Apart from human foods, here are some of the best cat-food brands that you can consider: Royal Canin Royal Canin offers a range of commercial wet and dry cat food and therapeutic food for specific health conditions. This brand also offers tailored nutrition, providing the exact requirement of vitamins, prebiotics, minerals, fiber, and antioxidants that your cats require. Tailored nutrition is a unique concept that considers your cat's unique health needs, breed, and lifestyle, which is available for purebred cats and kittens. The brand also has age-specific food for kittens, adult, mature and senior cats. IAMS™ IAMS offers cat parents the choice of tailored nutrition for their cats based on their age, lifestyle, breed, and individual health issues. You can log in to the IAMS website and answer basic questions about your cat, and experts recommend the best product based on your cat's individual and unique needs. This brand is offering to cover the cost of your next vet appointment if you buy two bags of IAMS dry food. GREENIES™ Greenies offer Dental Treats, Pill Pockets, and Smartbites for cats in different flavors. Dental treats are available in chicken, tuna, shrimp, and salmon flavors. Pill pockets are easy to use and available in salmon and chicken flavors. You can roll your cat's capsule in the pill pocket, hide it, and feed it to your cat without any fuss and strain for them. Smart bites are treats for your cat and are available in salmon, chicken, and tuna flavors.

Trending Articles

01

Everything you need to know about chronic fatigue syndrome

Chronic fatigue syndrome is a condition that causes extreme tiredness and fatigue that does not go away even after resting. The causes of the condition are yet to be known. However, there are some theories indicate several factors which include: Viral infection Stress Or several factors in unison Once the symptoms are identified and the condition is diagnosed, treatment can be taken to get relief from symptoms. Understanding all aspects of the condition, including its stages, diagnosis, symptoms, and prevention can help in managing it effectively. Different stages and phases of chronic fatigue syndrome The patients of chronic fatigue syndrome undergo four phases of the condition. Their response towards the treatment can also vary greatly depending on the phase that they are going through. These phases are: Phase I: Crisis or trauma Phase II: Stabilization Phase III: Resolution Phase IV: Integration During all the phases, a chronic fatigue syndrome patient undergoes some physical, psychological, and social changes that are easily noticeable. Diagnosis of chronic fatigue syndrome No one test can diagnose a patient with chronic fatigue syndrome. This is because the symptoms of chronic fatigue syndrome resemble several other health conditions. Therefore, a lot of patience is required for the diagnosis of the condition.
02

What you should know about depression

Depression is a mental health disorder that results in bouts of continuous sadness. A clinical mood disorder can lead to physical and emotional suffering, and can also change one’s behavior. Frustration, anger outbursts, lack of energy, sleep issues, anxiety, disinterest in eating, concentration issues, and suicidal thoughts are also common symptoms of this disease. Depending on its severity, the illness can challenge one to lead a normal life, too. Diagnosis There are many different methods a medical professional can use to determine if one is affected by depression. Psychiatric evaluation is the most common way to determine if one is suffering from the disease. The mental health doctor will interview the affected person to understand their thought process, mood, and other symptoms. Some doctors may compare symptoms with the ones listed in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5). This makes it easier for them to understand the condition. A physical exam is also performed to determine if any physical health issue is caused due to this mental condition. Stages of depression Depending on the level of sadness, the stages of depression can be divided into five stages: Stage 1 Even though the signs of mental disease are hard to miss, for most people, it starts with denial.
03

Important things you should know about diabetes

The pancreas is an important organ in our body that produces insulin. It is required to help the glucose pass to our cells from the blood. That is how energy is created, which is the fuel we require to function. When the pancreas is unable to produce insulin, the glucose level in one’s blood increases. This can result in diabetes, which can lead to organ damage. Types of diabetes There are mainly three kinds of this disease. Type 1 diabetes It can be most commonly seen in children and adolescents. Having said that, it can occur at any age. The insulin production of one’s body decreases with this condition, and they require daily injections to control their glucose levels. Type 2 diabetes Around 90% of people who have diabetes suffer from this type. It is most commonly seen in adults and results in one’s body failing to properly use the insulin that is produced. It can be kept under control by maintaining a healthy lifestyle, but one may also require medicine in the advanced stages. Gestational diabetes This can be seen during pregnancy if the glucose level in one’s blood increases. It can affect both the child and the mother.
04

Gout – Diagnosis, stages, and prevention

Gout or gouty arthritis is a form of arthritis that commonly occurs in the joint located at the base of one’s big toe. It can also be seen in other joints and results in swelling, sudden pain, and tenderness. It can happen to anyone and occur at any moment, even suddenly in the middle of the night. The good news is that it can be prevented and treated. Diagnosis of gout Multiple medical tests can be used to determine if one has this form of arthritis. Below is a list of the most common tests. Joint fluid test The doctor uses a needle to collect fluid from one’s joint and test the same under a microscope. If urate crystals are found in the fluid then they have the condition. Blood test For gout detection, the doctor may suggest a blood test. The amount of creatinine and uric acid present in one’s blood indicates if they have it or not. However, the result of the blood test may not always be conclusive. X-ray imaging If one has joint inflammation, the doctor can use X-ray imaging to determine if it is caused by any other reason or gouty arthritis. Ultrasound A musculoskeletal ultrasound test is used to determine if one has gout or any other form of arthritis.

Our Blogs

Stages, diagnosis, and prevention of ADHD

Stages, diagnosis, and prevention of ADHD

ADHD, short for attention-deficit/hyperactivity disorder, affects children worldwide, and this also often carries on into their adulthood. Some of the different problems faced by kids suffering from ADHD include sustaining attention for a long time, impulsive behavior, and hyperactivity. There might be other problems associated with ADHD, like low self-esteem, low grades in school, and difficulty in keeping up with relationships. More often than not, symptoms of ADHD are seen to have decreased with age. However, there are cases wherein ADHD symptoms never subside. Levels of ADHD There are three different levels or stages at which ADHD can affect individuals. They are: Predominantly inattentive ADHD This level of ADHD may be related to missing details very easily and getting distracted often. Also, one may get bored very quickly. One has difficulty in processing new information, and there is also the tendency to not listen properly. One might not be able to follow directions very clearly and also lose things like pencils or papers. It has been observed that girls are more likely to get inattentive ADHD than boys. Predominantly hyperactive-impulsive ADHD This is mostly associated with symptoms like restlessness and difficulty with sitting still. Kids suffering from hyperactive-impulsive ADHD have a tendency to talk consistently, and it’s less likely that they will engage in quiet activities.
Read More
Understanding skin aging

Understanding skin aging

Changes in the skin are one of the biggest signs that the body is aging. But how the aging of skin takes place depends on a lot of factors such as our diet, lifestyle habits, stress levels, and the like. For example, if you smoke regularly, it can lead to the production of free radicals, which damage healthy skin cells and cause wrinkles. So, let’s dig a little deeper into skin aging so that you can diagnose it and prevent it for as long as possible. Stages of skin aging As you age, you will start noticing changes in your skin. These changes take place in phases or stages. Learning about these phases can allow you to take better care of your skin and stay away from everything that can prove to be harmful to it. So, these stages of skin aging are: Stage I – Between 25 and 35 years This is the time when your skin will look extremely voluminous to you. But, this is also the time when the early signs of aging will start to appear. Therefore, it is important that you follow a good skincare regime. Some wrinkles can start appearing on the forehead. Lines can also start to appear on the face when you make normal expressions such as laughing, smiling, or frowning.
Read More
Stages, diagnosis, and prevention of addiction

Stages, diagnosis, and prevention of addiction

There are three terms that one can relate to addiction – reward, motivation, and memory. Addiction is when the body craves a behavior or substance in an obsessive pursuit of a reward. The person will have little concern about the consequences of the particular behavior or substance. Things to note in case of addiction Some of the attributes that one can relate with addiction include an inability to stay away from the substance, lack of self-control, an outrageous desire for the substance or behavior, ignorance towards the problems that the behavior might be causing, and a growing tendency to ignore the emotional response. Addictions have been known to interfere with daily life and there are also cases of relapse and remission. The complications of addiction can be physical, emotional, as well as financial. Stages of addiction There are five main stages of addiction. These include: Experimentation Every addiction starts with experimentation and during this stage, one cannot understand that this is the beginning of an addiction. One cannot be sure that this will turn into something serious, and hence no necessary steps are taken at this stage. A simple way to find out how this will turn into addiction is understanding the reason for experimenting and how often a person experiments with new substances.
Read More
Top debt settlement companies in the USA

Top debt settlement companies in the USA

Incurring debt is really common in this age and era as everything has become extremely expensive, from college education to owing a house. If you ever feel that your debt is too large and you may not be able to pay it in time, then you can seek the help of a debt settlement company. These companies essentially communicate with your creditor to try and lower your debt and the rest of it is typically forgiven. Given below is a list of the top 9 debt settlement companies in the USA. National Debt Relief If you have USD 7,500 or more in debt, then the National Debt Relief can be a great choice for you. It is one of the most prominent debt settlement companies in the country. The initial consultation is offered for free, but you will have to pay 15-25% of the settled debt amount as a fee. Freedom Debt Relief This a dedicated company that offers debt relief services to people who have at minimum USD 7,500 to USD 10,000 in debt. 15-25% of the settle debt amount is charged as fee once a settlement is negotiated, and in return, they offer the possibility of settling the debt within 24-48 months.
Read More
Allergies – Stages and prevention

Allergies – Stages and prevention

The immune system of our bodies is constantly fighting against viruses and bacteria to keep us healthy. However, in certain cases, the immune system may also end up fighting some substances that are not always harmful. When this happens, you experience an allergic reaction. The allergens are the substances that cause the reactions. With a little carefulness, you can prevent the allergies effectively. The allergic development Even though an allergic reaction can vary from person to person, it generally progresses in the same five stages: Stage 1 The allergen enters your body through food, air, or touch, and contact the cells in your body. Stage 2 Your immune system creates immunoglobulin E, which is a type of antibody. Stage 3 This antibody enters your gastrointestinal tract or respiratory tract but does not do anything. Stage 4 The next time when you are exposed to the same allergen, the immunoglobulin E treats it as a harmful substance and reacts with it. Stage 5 24 hours after the reaction, the immune system cells move towards the areas that were affected to release certain chemicals to treat it. How to diagnose allergies Your allergies can be diagnosed by a doctor. Before visiting him or her, you must recognize the symptoms of an allergic reaction.
Read More
Anemia – Symptoms, types, and prevention

Anemia – Symptoms, types, and prevention

Anemia is a kind of medical condition in which an adequate amount of oxygen fails to reach one’s body’s tissues owing to the deficiency of red blood cells in their body. When one suffers from this condition, their body feels weak and exhausted all the time. Symptoms There are different kinds of anemia and each of them has a cause of its own. It can have short-term or long-term effects and the disease can be mild or severe in nature. If one sees any symptoms suggesting that point toward anemia, it is essential to consult a doctor immediately. The signs vary from person to person and depend on the cause or their origin. Sometimes, the chronic disease causes anemia and the doctor ends up diagnosing the disease but the fact that one is suffering from anemia does not show up in the test. Sometimes, there are mild symptoms and then, with time the symptoms become more prominent indicating that the disease has penetrated one’s body more deeply. Some of the commonly found symptoms include breathing difficulties, fatigue, pale skin, chest pain, headache, dizziness, hands and feet turning cold, irregular heartbeat, and pain in the chest . Types of anemia Iron deficiency anemia This is the most common kind of anemia, which occurs due to iron deficiency.
Read More