Get pet insurance for your "Master" lifetime protection for the love of one's life
Pet owners in Hong Kong have become ever more passionate in recent years, with some thinking of themselves as the "slaves" to their animal "masters." Many even tried imaginative ways to please their masters, from dressing and grooming to creating photo books and travelling. The animals can wag their tails to signal their pleasure when being well treated, but they often don't know how to indicate discomfort when they fall ill, making it difficult for their human carers to take action immediately. Even after recognising one's pet is unwell, it often takes a whole host of tests to diagnose the issue. When faced with treatment and surgical fees, having the appropriate protection certainly brings peace of mind. To meet market demand, a number of insurance companies have introduced lifelong pet insurance for mainly cats and dogs, covering surgical costs as a result of illness or accidents. This is worthy of the attention of all pet lovers.
Anyone who has cared for pets know that surgical fees are costly, may even higher than for humans. Hence there is a need to purchase pet insurance. Here are a few points to keep in mind when shopping for pet insurance. First, is coverage lifelong? This is because some pet insurance has age limits. Second, does it cover surgical and hospitalisation expenses arising from illness and accidents? Third, does it cover medical expenses associated with surgeries, including blood transfusion and chemotherapy? Fourth, does it cover hereditary or congenital conditions, such as elbow deformation, patella displacement, glaucoma, cherry eye, intervertebral disease (IVDD), hip deformation and other common conditions among cats and dogs?
It is also important to see if coverage extends beyond the cost of surgery to associated expenses for tests and examinations, consultations by veterinarian, operation theatre, dressing and miscellaneous items. Just like for humans, surgery charges for cats and dogs are broken down by item. As for hospitalisation coverage, it ensures protection for the need of your pet to stay in a licensed veterinarian clinic or hospital. Owners may breathe a sigh of relief after the pet has been discharged from the veterinarian facility, treatments might still be needed to aid recovery. Therefore, coverage for post-surgery treatment, such as acupuncture and follow-up visits, is equally important.
An issue owners would not want to face is final expenses. If your pet unfortunately passed away or had to be euthanized, the associated expenses for cremation or handling of the body would be covered by pet insurance. We sometimes hear stories about pets biting people or other animals, or causing property damage. A comprehensive pet insurance policy should include third party liability coverage, protecting the owner against financial liability arising from third party bodily or property damages.
Pet insurance plans typically offer flexible terms, with differing insured amounts. Owners can choose the most appropriate coverage based on the breed, personality and health status of their beloved pets.
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