Pet Health Insurance Tips & Facts
December 22, 2009
ASPCA: The American Society for the Prevention of Cruelty Video
ASPCA provides health insurance benefits to cover costly veterinary visits for pets.
Pet Insurance Video Summary
- Need to provide Pets history and records
- Pet insurance plan range from $10-$30 per month
- Covers Pet Medical Bill up to $5000
General Insurance Tips Video
November 22, 2009
General Insurance Tips Video Summary
General rule – *** Protect against big ticket items like property or auto ***
Property insurance – most people underinsure their building value and vaulables. Review and update yearly
auto insurance – raise auto insurance deduction
insurance dont need – credit card loss protection
Ten Travel Insurance Top Tips
November 17, 2009
Always consider a family policy.
Quite often you will find that you save money overall, and most of the policies will let the people covered travel individually as well. One thing that should be checked, though, is that children under 18 travelling on their own may not be covered.
Increase your excess to reduce your premium.
Statistically, you are unlikely to claim upon your travel insurance, and while we do not advocate travelling without it, you can reduce your overall premium by increasing the excess payable – you can make some quite big savings doing this, but make sure you can cover the payment should you need to!
Get an excess Waiver
If you’ve just got that sinking feeling before you leave, and you think you might have to claim on your cover, an excess waiver can be added to most policies for around £20, meaning you won’t have to pay your excess should a claim be made.
Think ahead.
Many companies will sell you a multi-trip policy that will cover you, for a set period of time (12 months is standard). If you make three or more trips in that period you will often save large amounts of money, or if you book a lot of last minute trips, it is good to know that you are covered from the outset.
Don’t skimp on medical cover.
Don’t even waste your time looking for policies with under £1m of medical cover – outside Europe you should be looking at over £2m of cover – Being ill in another country can work out to be very expensive if the worst comes to the worst. Also, don’t forget that a European Health Insurance Card (EHIC) isn’t necessarily a complete alternative.
Ditch the things you don’t need.
It’s always worth checking what is covered by your bank or credit card provider. Quite often you will find that your luggage and/or personal belongings are covered by one of the organisations listed above, and opting out of these extras can save you nearly 90%.
Check what is and isn’t covered.
Want to go scuba diving while you’re away? Or skiing? These, and many other, activities are quite often not included in standard travel insurance policies, as they are classed as “Hazardous Pastimes”. Often an additional premium is payable to include these (And similar) activities.
Make sure you read your policy details carefully.
Some policies can have an upper age limit as low as 40; if you turn 41 while on your trip and you need to make a claim, you will find that the policy will often not pay out. As soon as you receive your documents, read through every section and ensure you understand it all – any problems or questions, do not hesitate to contact your provider.
Always declare pre-existing medical conditions.
As tempting as it is to not mention an existing medical problem in order to keep the price of your policy down, the last thing you want is to be affected by that condition while you’re away, as by not declaring it you invalidate your policy.
Shop around.
Using the advice given above, you should be able to decrease the cost of your cover considerably, however it’s always best to compare travel insurance policies to make sure you’re getting the best (and cheapest) possible cover.
10 Tips to Get Your Best Car Insurance Quotes
November 8, 2009
Spending on car insurance should be a wise decision and before you actually commence your job forward, you need to search for affordable car insurance free online quotes available at many websites.
How To Get Cheaper Car Insurance Tips Video
November 1, 2009
Tired of paying too high rates for your car insurance? Get some tips to help reduce your auto insurance premium. Save money with lower car insurance premiums.
Car Insurance Tips Video for Teenagers
October 25, 2009
The easiest way to get car insurance for teenagers is to add them to their parent’s policy, but remember that sport cars can be very expensive to insure in this age bracket. Find out the most inexpensive way to insure a teenage driver in thisfree video on financial planning from a licensed insurance agent.
Life Insurance Tips Video
September 27, 2009
You should know these tips on life insurance
Saving Money on Homeowners Insurance
September 6, 2009
Insurance may be necessary, but it doesn’t have to be expensive. Our money reporter Stacy Johnson has been giving us ways to save on insurance all month. Today he explores homeowners insurance.
Important considerations for pet Insurance
May 15, 2009
Things to consider when comparing pet insurance
- Does the cost of the policy suit my budget?
- Is the level of veterinary fee cover appropriate for me?
- What are the excesses and how are they applied?
- Will my insurance cover my pet for the whole of its life?
- What additional benefits are important to me?
Pet insurance gives you peace of mind and can literally save you thousands of pounds for a few pounds a month.
Best Pet Insurance UK
Pet Insurance online tips
May 15, 2009
You want the very best treatment for your pet, yet anxiety over their health can be made worse by the concern of high vets’ bills.
The average cost of a visit to the vet is over £130. With one in three pets needing veterinary treatment each year, pet insurance is clearly an important consideration and potentially a key way of saving money if things go wrong.
The 4 most important tips to consider when choosing pet insurance online are:
1. Medical benefits – Taking out a policy with sufficient medical benefit is vital. Always check the policy details and the limit of medical fees you’re actually covered for.
2. Limitations – Some pet insurance will have limitations written in the small print. These can quite often include time limits on when you can claim.
3. Life Long Cover – Look for pet insurance that you can renew year after year, even in the event of you making several claims. Some pet insurance will allow cover for life while others may stipulate a maximum age of 6- 8 years.
4. Liability – As with all insurance policies there are usually a number of differences to be found between the various insurance companies. You will generally find, though, that most insurers will offer some kind of liability in their pet insurance that protects you in cases where your pet has caused damage to property or, worse still, another person.
