Home | pets | 6 Common Mistakes To Avoid While Buying Pet Insurance

6 common mistakes to avoid while buying pet insurance

6 common mistakes to avoid while buying pet insurance

A pet’s overall well-being is every pet parent’s ultimate desire and objective. However, life is unpredictable, and despite one’s best efforts, a pet may require healthcare assistance for health conditions, accidents, and injuries. Pet insurance helps pet owners alleviate the financial repercussions of such untoward events through financial compensation. It is advisable to opt for pet insurance from a reputed insurance company. Here are some common mistakes to avoid while securing pet insurance:

Assuming that all healthcare services are covered
A common mistake by pet parents is to assume that an insurance policy covers all healthcare services and requirements. For example, some insurance policies may not cover pet pregnancy-related complications, while some may exclude dental checkups and procedures. Thus, it is important for pet parents to browse the list of healthcare services a pet insurance policy includes under its hood and zero in on a policy based on this factor.

Only considering the premium
Although paying a high premium may burn a hole in one’s pocket, insurance policies with low premiums may sometimes not cover all the essential healthcare expenses. In such cases, one may end up spending a much higher amount at the veterinary hospital in case of a health emergency that the policy does not cover. Therefore, one should not opt for pet insurance plans with low premiums but less services covered. The best bet is to compare the prices and services of insurance policies by different companies and pick the one that perfectly balances price with coverage.

Not considering add-ons
Any pet insurance policy typically offers certain add-ons. For example, many pet insurance policies do not directly cover preventative care and routine checkup expenses – they are generally a part of the policy’s add-ons, which require pet owners to pay a certain additional amount. Thus, one should check out these add-ons and consider buying the potentially useful ones while opting for a pet insurance policy.

Not checking the inclusions (list of hospitals)
Some policies may leave out premium veterinary hospitals, which may offer specialized services by veterinary experts. Consequently, during times of need, one may not be able to receive financial reimbursement for seeking treatment at these clinics and hospitals. To avoid such consequences, pet owners should go through the list of hospitals and clinics included in the chosen policy based on potential healthcare requirements.

Not buying pet insurance early on
Many pet owners delay buying pet insurance, assuming their pets are young and healthy and may not undergo treatments soon. However, even young pets require regular checkups by veterinarians to ensure good health. Also, they need to be vaccinated regularly and treated in case of any infections, allergies, accidents, etc. In such cases, pet insurance can help one save large amounts of money, which can be utilized fruitfully for various other purposes. Moreover, the longer one waits, the higher the premium amount. Hence, it is best to opt for a pet insurance policy as soon as one gets a pet home.

Not disclosing existing health conditions
While buying a pet insurance policy, it is important for pet owners to be honest and upfront about existing health problems their pet may be suffering from. Failing to do so may cause repercussions like claim denials and policy cancellations.

Read Also

Know more about exciting & latest articles right here

Top 4 reasons for unnatural hair loss patterns

Top 4 reasons for unnatural hair loss patterns

Hair loss is a natural process that automatically gets rid of old tissue and hair to promote new growth. So don’t be alarmed when you do find a few strands of hair tangled in your comb. However, a clearly visible scalp and a receding hairline are indicative of developing the problem of permanent hair loss. There are several internal and external factors that can accelerate hair fall, leading to pattern baldness in both men and women. Here are the top four reasons that trigger unnatural hair fall. Stress Stress ranks among the top risk factors associated with many medical conditions. In fact, one way or the other, taking physical or psychological stress harms the body more than you can imagine. For hair loss, especially, excessive shedding starts right after the body undergoes physical or psychological distress. A few examples include experiencing high fever, blood loss due to accident or injury, or even post-surgery recovery can result in stress that causes hair loss. Stress, coupled with anxiety, results in accelerated hair loss. To cope with this problem and reduce its effects, stress management is of crucial importance. Hormonal changes Men and women both experience hormonal changes throughout their lifetime. However, an imbalance associated with various conditions can trigger hair loss.
Read More
Learn about these 3 types of hearing loss

Learn about these 3 types of hearing loss

Hearing loss, deafness, or impairment is the partial or total inability to hear sounds. People with low to moderate hearing impairment face challenges in understanding what the other person is saying in a noisy environment. Whereas, people with severe deafness cannot hear anything, and rely completely on lip-reading and sign language skills. There are three main types of hearing loss: sensorineural, conductive, and a combination of both. Let’s understand these types in detail and learn about the causes, symptoms, and treatments of each type. Sensorineural hearing loss It’s the most common type of hearing loss. Sensorineural is permanent hearing loss often caused by damage to the tiny hair cells that line the inner ear or the auditory nerve. The damage stops or weakens the transfers of nerve signals to the brain. These signals are essentially the intensity and clarity of sounds. Causes: Aging and exposure to loud noises for a long period of time are the most common cause of the damage. Certain medications and illnesses can also increase risks. It can even be genetic, and pass on to the child in the mother’s womb. Treatment: There is no medical or surgical treatment available to repair the tiny hair cells once they’re damaged.
Read More
Simple lifestyle changes that reduce the risk of heart diseases

Simple lifestyle changes that reduce the risk of heart diseases

The heart is the most crucial organ in the body and as the system will cease to function if the heart stops or loses momentum pumping fresh oxygenated blood. This is why it is vital to not neglect your heart health at all and responsibly maintain a healthy, stress-free, and more importantly, a happy lifestyle. Here are a few simple lifestyle changes that will help support a healthy heart function. Switch to a healthy diet Avoid eating foods that are rich in trans and saturated fats. Most foods you find on the shelves of the supermarket contain large quantities of one or the other. Instead, switch to low-fat high fiber alternatives to help manage cholesterol. Maintaining a healthy cholesterol level in the body automatically reduces the risk of heart diseases. The simple reason for this is that fats that normally block major arteries and blood vessels are eliminated from these foods choices. It is also advisable to limit the salt (sodium) intake to control blood pressure and sugar to reduce the risk of diabetes simultaneously. Change certain lifestyle habits Reduce the number of alcoholic or carbonated drinks you have regularly. For men, it is advisable to have not more than two drinks and day and women must have only one.
Read More
How to distinguish between heartburn and GERD

How to distinguish between heartburn and GERD

Heartburn is an unpleasant, burning sensation in the chest that is more common than a lot of individuals realize. Pregnant women, older men, and even young adults experience it frequently. Despite it being such a prevalent experience, not many know that heartburn has actually nothing to do with the heart and everything to do with the stomach and the esophagus. Unsurprisingly enough, heartburn is also used interchangeably with GERD. But, before we get to deciphering heartburn and GERD, let’s understand what acid reflux is. What is acid reflux or GER? Acid reflux occurs when the lower esophageal sphincter or LES becomes weak, allowing the contents of the stomach to travel in the wrong direction, back up the esophagus. Acid reflux is also called GER or gastroesophageal reflux as it involves the stomach and esophagus. This condition can usually be resolved with over-the-counter medication. What is heartburn? Heartburn is a burning or painful sensation that is experienced in the chest. Since the lining of the esophagus is not as strong as the lining of the stomach, the acid from the stomach can cause a burning sensation in the chest. This pain or burning sensation that is heartburn can often be misconstrued for a heart attack.
Read More