Recently Pets Best Insurance conducted another group of focus groups for pet owners to see the extent to which we addressed what pet owners really wanted and to find out how they felt about the concept of insurance for pets. The findings of the study confirmed the findings made through years of knowledge of veterinary medicine and pet insurance. However, the results also indicated that pet owners are influenced by myths regarding pet insurance based on misinformation and false beliefs. Below are the myths that we discovered and the lessons we learned from our focus group. "Pet Insurance Is Only For Sick Pets" In reality, you should purchase insurance before your pet becomes sick, in the same way that you'd buy car or homeowners insurance before you have an accident or disaster. Even though Pets Best provides a small amount towards a pre-existing condition insurance is for the future risk (loss). "Insurance Is a Hassle" Pets Best pet insurance plans are very simple. It is as simple dog portrait as paying your vet expenses and send the bill to us. We reimburse you directly within less than an entire week (unlike some plans which require a lot of paperwork and schedules that could be significantly lower than the actual vet bills). Check out the 'plans' section on their site. When you receive Pets Best 80% payment after the deductible, it's easy to estimate how much we will reimburse you for the claims. Because pet owners usually pay out the pocket for their pet's medical bills The time frame for the payment is less, unlike human health care, in which doctors and hospitals bill the insurance company. "We Could Not Choose Our Own Vet" With the majority of insurance plans for pets, there are no Managed Care principle like Pet HMOs or PPOs to contend with. With Pets Best you are able to select the veterinarian that you want. Insurance for pets isn't typically involved in the decision to choose a treatment, or the cost. The only exceptions are plans that have a benefit program (which will affect your out-of-pocket costs) and one trying to set up an association of vets. "Pet Insurance Must Be Expensive" The cost of premiums varies by the plan type, company and the age of your pet and pet species (cat or dog) In the majority of cases, the cost of pet insurance is low and the monthly price is roughly the amount you have to pay for a meal for two. Pet owners can pick plans that are less expensive, with lower limits and a greater deductible, or a higher cost plan that has a lower deductable and greater limits. Prices vary from one firm to company, but the majority are affordable. Take a look at the overview of Pets Best insurance plans by clicking on the "plans" tab on their site. "Pet Insurance Has Too Many Exclusions Or Does Not Cover What I Need" In the event of an accident or illness, pet insurance actually has very few exclusions. The purpose of pet insurance is to shift the risk of your pet's unknown health risk to the insurance company. If you look closely, you will realize the fact that it does. When it comes to protecting your pet's health and the countless accidents and diseases that can occur to pets (other other than congenital, hereditary and pre-existing diseases) all accidents and illnesses are covered. In the case of Pets Best many of the common exclusions are limits, which, though less, can provide coverage and value. Talk to your vet or staff how many times the illness of your pet may cause financial hardship and hard decisions. Pet insurance is like your personal health insurance. It is designed to cover the medical requirements of your pet, whether it's a simple skin rash, virus or ear infection, or severe cancer. As a pet's owner your choices with regards to insurance for your pet are contingent on knowing the truth and myths about the actual value pet insurance can provide. Along with providing peace of mind and safeguarding your pocketbook, most pet owners are still unable to fully comprehend the advantages. As a veterinarian medicine and a lover of animals I will not let up until all pet owners are at least aware that the insurance for pets is available. It is budgeted at an affordable price so that pet lovers never have to be concerned with their pet family member's health costs. Are you interested in what it would cost to get your pet insured? Pets Best is happy to give you a free estimate for pet insurance. Still have questions about pet insurance? Go to our Pets Best frequently asked questions regarding pet insurance forum. If you're a veterinarian, you'll find more information on pet insurance options in the veterinarians section of their site, or visit the Morris Animal Foundation's Veterinarians page [http://www.morrisanimalfoundation.org/veterinarian] for vet chat, pet memorial cards, information about recent studies, and more.