Mature Pet Insurance - How The Age of Your Pet Can Affect Your Ability to Get Pet Insurance
There are a number of instances where
you will need to purchase insurance for an older animal. You
may have realized that pet insurance for your aging cat or dog
might be a good idea, or you might have adopted a pet that is
an adult or even elderly. As you start the search for mature
pet insurance, you might be frustrated by how often you see the
best time to buy insurance is when your animal is very young." Keep
in mind that most pet insurance premiums are adjusted, meaning
that they will rise with time, and in the end, you'll probably
still be paying a higher rate for your animal than you would
when he was young.
There are several reasons why the age of your pet affects the
cost of your insurance and even the availability! Essentially,
insurers will sell you insurance on the basis and the hope that
you will not need to use it. An older animal is considered more
of a risk because he or she might begin to need care sooner and
more regularly than a younger animal will. Thus, it is in the best
interest of the insurers to cover animals that will only need the
care in emergency situations. Some insurers go out of their way
to make sure that the animals are healthy, refusing to insure pets
that came from the animal shelter. This practice is particularly
troublesome if you adopt most of your animals from shelters!
As most insurance polices are not set in stone, you will want
to talk with the insurance representative who is handling your
application. A full physical exam can go a long way towards reassuring
a hesitant insurance provider that your pet is healthy. Similarly,
referring the good care you are going to provide will help odds
in your favor. For instance, if you have an indoor cat, emphasize
the fact that the cat will not be exposed to parasites and will
not wander into traffic.
Similarly, you can see if you can opt out of certain aspects of
the insurance and try reducing the price. Many policies will cover
emergency boarding and housing for your animal if you are called
away on business or for some other reason cannot provide care.
If you have relatives who will be responsible for the animals,
you can try to get that clause removed.
If you are buying pet insurance for an older animal, you will
more than likely be asked to pay a higher premium. There is not
much getting around this, but you can always shop around looking
for a policy that best fits your needs. There are many policies
out there that will suit you, even if you are looking into covering
an older pet!