Five Tips About Getting Pet Insurance For Your Dachshund

When you own a pet, you commit to taking care of that pet just as you would take care of one of your children. This includes feeding them, bathing them, providing suitable housing and taking care of their medical problems.
Just as with children and adults, medical care for your Dachshund can become very expensive very quickly. One bad spine or neck problem can cost you hundreds of dollars in the short term and maybe thousands in the long run.
Many people are now purchasing pet insurance to help them keep these costs under control. Medical expenses for pets have increased in the same manner as medical costs for people. What used to be a $15 trip to the Vet can now cost $55 or $60 and that's without medicine or tests. Owning a pet is a wonderful thing, but the cost of that love can be expensive.
There is no way of knowing when a medical problem will happen, how it will happen or if it will happen. A pet insurance policy will give some peace of mind that the costs won't clean out your bank account or put you into bankruptcy.
Here are 5 tips that may help you in your decision to purchase pet insurance for your Dachshund.
Tip 1
Get the insurance while your pet is young
The best time to get an insurance policy is when your dog is young and fit. The insurance company will protect your pup for a lot less cost than if your dog is 4 or 5 years old. This works the same way for dogs as it does for people.
Tip 2
Check into the pet insurance policy before you purchase a dog
There are insurance companies that will exclude certain coverages for certain types of dogs. Be careful that the policy you are considering doesn't exclude back or neck problems for Dachshunds. Some companies may charge more to have coverage for these types of ailments.
Tip 3
Find out what the deductible or co-pay is for each visit
If you are shopping for a policy with a low premium, be careful, the insurance company may charge a large deductible or co-pay, so they can give you that low premium. Weigh the value of a higher premium against the cost of a high deductible to make sure you are getting the best value for your money.
Tip 4
Pay a little more and get more than the basic coverage
By spending a little more for your policy, you can get other service covered that aren't in a basic policy. Depending on the insurance company,the following may be covered with your pet's insurance: routine care, preventive medications, annual checkups, periodic vaccinations and surgeries like spay or neuter. The most basic plans will only cover things like illnesses and accidents.
Tip 5
Check to see if your usual Vet has a plan of their own
Many Vets are now offering their own insurance plan to their new and existing customers. Be sure to find out exactly what is covered, what is excluded and how much their deductible might be. These local policies can be very good but keep in mind that it is usually only good for that Vet or group of Vets in their clinic.
Owning a Dachshund is a wonderful experience filled with lots of love and devotion. We all hope that no harm will ever befall our beloved pet, but fate has a way of changing everything. No matter how hard you try to keep your dog safe, there is always the possibility that they may get sick or get injured. When that happens the cost of taking care of your pet can skyrocket. Taking out a pet insurance policy can help to keep your dogs' medical costs under control.
Don't let the fear of high medical costs stop you from enjoying your pet. Take out a pet insurance policy and get peace of mind.

Ensure that your Dachshund will always be taken care of, get them pet insurance. Robert D Schroeder is a Dachshund owner who saw his pet get hurt and develop back issues, all because of owner mistakes. At http://www.squidoo.com/dachshund-back-problems you can learn about why pet insurance is important and what he did to cause his Dachshund to get hurt. You can even learn how to pick up your dog to prevent injury in that way.
I can't think of anything sadder than seeing a Dachshund that can't move it's back legs, can't control it's bladder and can't run or play, all because of back problems. As an owner of a Dachshund, you can do a great deal to protect your self from the high cost of pet medical care. http://www.squidoo.com/dachshund-back-problems

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Boat Insurance Tips

As with car insurance, policies come with an excess to discourage small claims and for boat insurance, this is usually quite a large sum of money, as the intention of the insurance is to cover you against substantial losses instead of just scratches and dents. There is little difference between the two types of policy except the amount of cover provided with boat insurance is considerably larger.
Almost all states make the standard boat insurance a requirement so it is important to abide by the law and obtain boat insurance as soon as you become a boat owner. Strangely, in the eyes of the Marine Industry, a houseboat is in the same category as pleasure boats like sailboats, jet boats and cabin cruises for instance. A speedboat for instance, is capable of high speeds requires a much different type of insurance than a small fishing vessel would because of the potential liability for the insurance company that comes with a speedboat compared to a fishing boat.
Almost all boat insurance policies will cover the cost of replacing the vessel, engine and the boat trailer but Actual Cash Value boat insurance plans only pay for replacement less any vessel depreciation from the point of loss. When the craft is a complete insurance right-off then the second hand value of the boat is used to estimate its market value. Optional insurance usually includes coverage for reasonable repairs, emergency services to your boat, motor, or boat trailer, and wreck removal. Where there has only been limited damage to the vessel, partial damage repairs include the restoration less any items that can be deducted.
Agreed amount value boat insurance policies mean that the owner of the boat and the insurance company have decided on the cost of the boat, and in the aftermath of a total loss the owner will be compensated with that amount. Agreed amount value policies also replace old objects with new ones, exclusive of any assumption for depreciation. The majority of agreed amount value boat insurance policies necessitate actual cash value on specific destroyed assets like sails, protective covers, batteries, dinghies, trailers and aged outboard motors, lower drive units etc.
The two chief aspects of boat insurance are legal responsibility, or security and insurance; and property loss. The liability section covers the owner against claims by a third party if any damage is caused to that person or his property by the insured vessel. It is just as important to find a boat insurance agent that looks after his clients by finding the best policies and obtaining the best settlements should they need them. Equally important when searching for a boat insurance policy is to have one with good legal backup should it be necessary as a liability claim that is covered under the boat insurance policy be brought against you. More information, visit http://hubpages.com/hub/boat-insurance-quote

If you are interested in find more free information and resources about Boat Insurance, please visit http://hubpages.com/hub/boat-insurance-quote

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Top Ten Health Insurance Tips to Consider When Buying Health Insurance

Whether you are switching health insurer or buying health insurance for the first time there are a few points that you should consider before you make up your mind:
1. Cover for private accommodation in public hospitals in most cases does not guarantee fast access to treatment. Make sure you have a plan with some access to private hospitals. Even if it only covers a portion of the charges it's better than not having any access to these hospitals or being faced with extremely large bills for treatment you needed in a hurry.
2. Check that hospitals local to you are not excluded and don't have excesses applied to accommodation. Most people prefer to be close to home when they are sick or in hospital so that friends or relatives can visit or be close at hand should they be needed in an emergency.
3. Check that there are no shortfalls on specific treatments or procedures such as radiotherapy, chemotherapy, orthopaedic. Where there is a shortfall on orthopaedic treatments consider the likelihood of you needing any of these treatments in the near future. Young people are less likely to need these treatments than older people. You may be able to upgrade in the future if affordability is an issue right now.
4. Check that you have full cover for day case treatment such as chemotherapy, radiotherapy and colonoscopies in private hospitals - these procedures account for 60 -70% of all health insurance claims.
5. Try to ensure you have cover for direct settlement MRI and CT scan centres which are local to you. This means you won't have to wait to get access and you don't need to pay if they are classified as 'direct settlement' centres.
6. Try to ensure you have cover for major cardiac procedures in all the main private hospitals and hi-tech or specialist centres
7. Check that there is a low outpatient excess, this will ensure you get more money back from your outpatient expenses.
8. If you want cover for day-to-day benefits such as GP, Physiotherapist and dentist ensure that you are getting long-term value for money - check the cover for each benefit & how many visits are covered per benefit. Do you really need this cover right now? If you have young children or you are undergoing regular treatment it may be worthwhile however if not then weigh up how much you are paying for these benefits and how much you are likely to use them. Some of these plans can cost five of six times the price of seeing a doctor so if you usually only attend a doctor once or twice a year it may not be worthwhile having this type of cover.
9. Check for any other benefits that may be of interest to you - health screening, maternity benefits, kid's benefits etc.
10. Consider the health insurance needs of all the family individually - consider different plan & levels of cover for each. You might choose to have the children on one level plan and the adults on another.

Pol O Murchu is a leading Irish Financial Advisor, Insurance Broker and Mortgage Broker. His company Heritage Insurance Brokers provides clients with a range of Insurance and Financial Products to suit their every need. He specialises in Health Insurance, Life Insurance, Mortgage Protection, Pensions, Investments, Mortgages and a range of both personal and business insurance products. To get more information on any of our products contact us today.

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