Is Pet Insurance Worth It?

Many pet owners often wonder if it's worth it to purchase pet insurance. The way I see it, there are two main considerations, your opinion when it comes to risk-taking and the expected health of your pet.

Are you a risk-taker or are you conservative? If you are a risk-taker when it comes to insurance and would be okay covering any health-related costs yourself, you shouldn't bother getting pet insurance. Right or wrong, this is what most pet owners do. However, if you are conservative, and want the peace of mind knowing that most major health costs you incur for your pet would be covered, pet insurance might be right for you!

The second consideration is the expected health of your pet. Of course, it's impossible to predict with any level of precision how healthy your pet will be, but if you have carefully researched the lineage of your puppy, kitten or foal, and have sound information about the health of the lines, then that's valuable information for you to use when making this decision.

Next, you might be wondering how pet insurance works. It's pretty simple. You'd pay a monthly insurance premium for your pet, which could be as low as $10 per month (but usually higher). Some plans cover routine care as well as accidents and illnesses, while others only cover accidents and illnesses (the later would be cheaper). When your pet receives veterinary care, you'd submit the bill to the insurance company for reimbursement. Based on the plan you purchase, you'd be reimbursed a percentage of the total cost minus any deductible. Not every procedure is covered, so check out your policy carefully.

With the rising costs of pet healthcare and with the extremes that many of us would go to for our pets, pet insurance is becoming very popular with pet owners.

http://www.thepetman.com

In The News:
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.2news.tv/news/national/34915364.htmlcid=1272977745ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNH8NFZG6YGeUe2DNztFE5gIoy1zBwimg src=http://news.google.com/news?imgefp=0LAXFNLIWw8Jimgurl=media.2news.tv/images/0803025_Michael_vick.jpg width=80 height=60 alt= border=1brfont size=-2KBCI CBS 2/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.google.com/hostednews/afp/article/ALeqM5hgBg8ezB642mJiz-8MV6QzwYqVAwcid=1272977745ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNFe5RiaF37qAB2Llfa8BeOV4Pz2FwEx-NFL player Vick allowed dogs to savage family bpets/b: report/abrfont size=-1font color=#6f6f6fAFPnbsp;-/font nobr15 hours ago/nobr/fontbrfont size=-1RICHMOND, Virginia (AFP) — Jailed ex-National Football League star Michael Vick allowed his fighting dogs to savage family bpets/b, a federal government agency b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tmz.com/2008/11/22/sick-vicks-new-dog-trick/cid=1272977745ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNEC5z43oQfI9Dsi7kGTlG8V0reqcwSick Vick#39;s New Dog Trick/a font size=-1 color=#6f6f6fnobrTMZ.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blastmagazine.com/the-magazine/sports/2008/11/vick-laughed-as-dogs-were-injured/cid=1272977745ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNF7Kb_C29PvaTjra8UUbwCrOaW_vAVick laughed as dogs were injured/a font size=-1 color=#6f6f6fnobrBlast/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.google.com/hostednews/ap/article/ALeqM5jRTbrNuO65z9nbnlv2DD6WLWGe3AD94JO6BG0cid=1272977745ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNHH7m7l1yX4GOvP6SIc5dmHpPAr3AUSDA report details more involvement for Vick/a font size=-1 color=#6f6f6fnobrThe Associated Press/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://abclocal.go.com/wtvg/story%3Fsection%3Dnews/sports/pro/football%26sa%3DNFL%26eid%3D3718304cid=1272977745ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNFNtduTBWwNl18fKBbVifLKIxO4qwnobr13abc.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272977745hl=ennobrall 295 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cnn.com/2008/US/11/21/pets.foreclosure/cid=1272995956ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNH75PyskRCFwGSVrJX_eXyRouf9hAMortgage meltdown results in bpets/b going to pound/abrfont size=-1font color=#6f6f6fCNNnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1With foreclosures disrupting life, from the family house down to the dog house, and as Americans toil through a tough economic landscape, some of their bpets/b b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tampabays10.com/news/local/morning/story.aspx%3Fstoryid%3D94597%26catid%3D25cid=1272995956ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNGFPIlXePsNmnVb4wexACB4iG8deQbPet/b of the Week: Calie/a font size=-1 color=#6f6f6fnobrTampa Bay's 10/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tcpalm.com/news/2008/nov/22/humane-society-st-lucie-county-established-fund-sa/cid=1272995956ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNGcJ5SOJ1iI2i6S7paYZ-_orGqMFgHumane Society of St Lucie County established fund to save special b.../b/a font size=-1 color=#6f6f6fnobrFort Pierce Tribune/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272995956hl=ennobrall 4 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.projo.com/lifebeat/content/lb_No_Exotic_Pets_11-23-08_0VBRA8D_v8.19469c4.htmlcid=1273329846ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNFLcSbL7ygRV9zWuhGJfWP0v8BaKQimg src=http://news.google.com/news?imgefp=cEaff2phFhsJimgurl=www.projo.com/photos/20081123/LH1123_Pets_Hedgehog_11-23-08_T4CBQT7.jpg width=80 height=39 alt= border=1brfont size=-2Providence Journal/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.projo.com/lifebeat/content/lb_No_Exotic_Pets_11-23-08_0VBRA8D_v8.19469c4.htmlcid=1273329846ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNFLcSbL7ygRV9zWuhGJfWP0v8BaKQExotic bpets/b risky for young kids/abrfont size=-1font color=#6f6f6fProvidence Journal,nbsp;RInbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1By LINDSEY TANNER AP AP / TIBOR OLAH CHICAGO — Warning: young children should not keep hedgehogs as bpets/b — or hamsters, baby chicks, lizards and turtles b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sfgate.com/cgi-bin/blogs/pets/detail%3F%26entry_id%3D32793%26type%3Dpetscid=1272938401ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNGTgG9xG9EBXa4YOBEcdDa43afcrAimg src=http://news.google.com/news?imgefp=8ys2Hct_xCcJimgurl=www.sfgate.com/blogs/images/sfgate/pets/2008/11/20/dog_in_sand500x375.jpg width=80 height=60 alt= border=1brfont size=-2San Francisco Chronicle/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sfgate.com/cgi-bin/blogs/pets/detail%3F%26entry_id%3D32793%26type%3Dpetscid=1272938401ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNGTgG9xG9EBXa4YOBEcdDa43afcrAWould you choose your bpet/b over your partner?/abrfont size=-1font color=#6f6f6fSan Francisco Chronicle,nbsp; USAnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1In a study of 900 bpet/b parents by BizRate Research, women said they had a deeper emotional connection with their bpets/b than men did. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.journalgazette.net/apps/pbcs.dll/article%3FAID%3D/20081122/LOCAL/811220304/1002/LOCALcid=1273270456ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNEjHR5LkzJkLST8unp2JxVP6nRmNAbPets/b feel heat of meltdown/abrfont size=-1font color=#6f6f6fFort Wayne Journal Gazette,nbsp;INnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1People are asking for help with bpet/b food and housing, and people are leaving bpets/b in abandoned homes or apartments after they move to parts unknown. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.pal-item.com/article/20081122/UPDATES/81122010cid=1273270456ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNEEBdv8u7o6096uLNWEchaMmk_vNQWinchester shelter competes in national makeover contest/a font size=-1 color=#6f6f6fnobrPalladium-Item/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1273270456hl=ennobrall 2 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Homeless-Pets-Finding-Families-Petland/story.aspx%3Fguid%3D%257B6E3F5147-CB9A-4068-B3F4-C63E87BAF9EE%257Dcid=1273036434ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNET5wiPWS7CTt4oYQdOH8cWGelHjwHomeless bPets/b Finding Families at Petland Stores Nationwide/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1CHILLICOTHE, Ohio, Nov 21, 2008 (BUSINESS WIRE) -- The results of Petland#39;s Adopt-A-PetSM survey mean good news for homeless bpets/b at Petland stores b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.knoxnews.com/news/2008/nov/22/holidays-can-be-stressful-for-pets/cid=1272964224ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNFgx2F1hOsLK1U73DzEMTq0FWanOAAsk Vet: Holidays can be stressful for bpets/b/abrfont size=-1font color=#6f6f6fKnoxville News Sentinel,nbsp;TNnbsp;-/font nobr17 hours ago/nobr/fontbrfont size=-1However, our time of celebration can sometimes be stressful for our bpets/b. Thanksgiving is the holiday with the highest travel rate; the highways and airways b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/A-Recommended-Sales-Use-Tax/story.aspx%3Fguid%3D%257B7BCC05E8-DA48-4D12-AF64-F97F804E8332%257Dcid=1272964224ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNFeJ-zY9F2mrqoQXWhBPEjx_qNAIgA Recommended Sales and Use Tax Proposed by Governor b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272964224hl=ennobrall 6 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sltrib.com/news/ci_11050423cid=1273014077ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNEG2jxlvmfa8YCoc0QESFS9TiDpwQGoats#39; killings outrage activists/abrfont size=-1font color=#6f6f6fSalt Lake Tribune,nbsp;United Statesnbsp;-/font nobr6 hours ago/nobr/fontbrfont size=-1Latest crimes» The bpets/b#39; decapitations follow the shootings of cattle and attacks on dogs in the county. By Melinda Rogers William Linnell, 1, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kutv.com/content/news/local/story.aspx%3Fcontent_id%3D609a7ac2-56ee-4915-a9af-73683c3b75c2cid=1273014077ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNHBGoNCuwQDOPyrk2ZNVSpEbwEEKgGroups Offer Rewards in Killing of Pygmy Goats In Tooele/a font size=-1 color=#6f6f6fnobrKUTV/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ksl.com/%3Fnid%3D148%26sid%3D4863511cid=1273014077ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNFsNlKvfd4b57KeDWSOkX0g2-MpbAReward offered in pygmy goat case/a font size=-1 color=#6f6f6fnobrKSL-TV/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1273014077hl=ennobrall 3 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/earth/3500882/Reptiles-now-more-popular-pets-than-dogs.htmlcid=0ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNHNlldpd4itu8ELEXawSZtZBQscnAimg src=http://news.google.com/news?imgefp=qmd5zngti2AJimgurl=www.telegraph.co.uk/telegraph/multimedia/archive/01119/prep1_1119043c.jpg width=80 height=50 alt= border=1brfont size=-2Telegraph.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/earth/3500882/Reptiles-now-more-popular-pets-than-dogs.htmlcid=0ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNHNlldpd4itu8ELEXawSZtZBQscnAReptiles now more popular bpets/b than dogs/abrfont size=-1font color=#6f6f6fTelegraph.co.uk,nbsp;United Kingdomnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1Reptiles like snakes, geckos and bearded dragons have become such popular bpets/b that they now outnumber dogs, new research has found. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.expressindia.com/latest-news/no-entry-domestic-helps-service-providers-drivers-luggage-pets/389491/cid=0ei=fJAoSbXUOqbU6gPI0IDvCgusg=AFQjCNEadDpxXNjRZu7MShKA6YCWB5BNXgNo entry: domestic helps, service providers, drivers, luggage, bpets/b/abrfont size=-1font color=#6f6f6fExpressindia.com,nbsp;Indianbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1Most plush multi-storied housing complexes in Gurgaon have service lifts with notices specifying that they are meant for ‘domestic helps, drivers, bpets/b and b.../b/font/div/font/td/tr/table
pets - Google News

Mosquitoes Are a Hazard to Your Pets Health Too

None of us likes to be bitten by mosquitoes and... Read More

Practical Advice for Adopting a Dog

If you are thinking of adding a dog to your... Read More

How Many Dogs Are Too Many?

I'm a pariah among the dog fanciers in my community.... Read More

Does Your Bichon Frise Eat His Own Poop?

Hi,I'm Janet CombsMy mother bred and raised Bichon Frises for... Read More

6 Common Dog Emergencies

Sure, you may be a master of human First Aid.... Read More

How to Groom Your Horse

Grooming means taking care of the physical maintenance of the... Read More

How I Get More Training Done On My Horses In 1/2 The Time

Here's a simple way... to help your horse learn twice... Read More

Natural Approaches to Dealing With Pesky Fleas

Problems with Commercial Flea Killers & TraditionalFlea Bite Treatments***Chemicals that... Read More

Tips on Choosing a Boxer Dog...

An easier and more pleasant journey with your chosen Boxer... Read More

Pet Bird Home Hazards - Keep Your Feathered Friend Safe

Interacting with a pet bird outside of it's cage is... Read More

Housetraining Tips for Your Dog or Puppy

Puppies need to go to the bathroom after they play,... Read More

Top Five Dog Breeds for Homes with Children

Top five dog breeds for homes with children* Beagle *... Read More

Tips on Easy House Breaking Your Puppy

If you are lucky enough to get a 7-week-old puppy,... Read More

Preparing For Your New Dog - What You Need to Know Before He Comes Home

Preparing yourself and your household before, during, and after your... Read More

5 Things You Must Do If You Want To Create a First Aid Kit For Your Family

1. Accidents and medical emergencies in the home happen frequently.... Read More

4 Ways In Which You Can Spoil Your Dog Rotten

You spoil your pooch as close to rotten as you... Read More

Protecting the Smallest Member of Your Family: A Step-by-step Guide to Pet Insurance

Let's face it ? Fido and Fluffy are an important... Read More

Electric Dog Fences: Keep You Pet in the Yard and Out of Places You Dont Want Them to Be

Electric Dog FencesIs an electric dog fence something for you?... Read More

Cute Cat Names ... And How To Find Them

Cute cat names? Max is popular, Lady a favorite for... Read More

Saving Ginger From Being Put To Sleep ? Part 1

A family, including three dogs and a cat live happily... Read More

Canine Mastitis

Canine mastitis is a breast infection in brood bitches, usually... Read More

Disaster Preparedness for Pets - A Guide for Pet-Care Business Professionals

June is Disaster Preparedness for Pets month ? but if... Read More

Reuniting Lost Pets With Their Owners

Losing a family pet can be a traumatic experience, especially... Read More

Chicken Compared To Chicken Meal

When selecting the best dry food for your dog, why... Read More

Must-Have Know-How On Your Dogs Meal-Times

One of the best parts of the day for any... Read More