Unfortunately, in todays world it is not difficult for a pet dog to get injured. Dogs were not designed to live in an urban environment and the common trappings of city life can yield some unfortunate incidents. These incidents may result in a trip to the vets to have the dog properly taken care of. However, such a trip is not free and can run into an expensive bill. Of course, one could defer this expense by simply purchasing adequate dog insurance designed to provide a financial safety net no different that which is provided by human health insurance coverage.
There are those who might laugh at the mere mention of dog insurance designed to cover any costs associated with illnesses that the pooch may suffer from. It is true that the mention of dog insurance will yield a reaction of laughter from some people mainly because the concept of dog insurance is a relatively new concept. Since people generally associate medical insurance with humans, it may seem odd that insurance can be purchased for a pet as well. The problem exists is that people take that moment of smirking and use it to dismiss the serious possibility of a life threatening illness effecting a loyal pet and the need for an expensive life threatening operation being required to save the poor pets life.
Another reason that people may not take the need for dog insurance seriously is because most people are unaware of the costs that can be associated with a visit to the vet. Most people will usually take their dog into the vets office for common shots, check ups. Dental visits, etc. While these visits are not free, they are also relatively inexpensive. As such, people develop the notion that vet visits and procedures are simply not expensive. (There is also the unfortunate situation of people not being aware of the costs of vet visits because they never take their dog in for yearly check ups) Such a notion is wildly inaccurate as any complicated procedure will yield expensive vet bills. So, the purchasing Dog Insurance is not so silly after all, particularly if it ends up saving a person a great deal of money.
A dog is a loving and loyal animal and should not be put at risk. By not taking the proper precautions to cover any financial impediments to providing proper medical care to the pet, then one is exhibiting a form of animal cruelty by default. Do not place a loving and loyal pet at risk, seek out a provider of dog insurance and have a blanket coverage plan put in place to keep the animal protected against any potential medical threats.
Craig Thornburrow
http://www.articlesbase.com/non-fiction-articles/the-necessity-of-dog-insurance-95241.html
#1 by ecouterlove on January 24, 2010 - 4:29 pm
If a gym charges your health insurance for you sessions under medical necessity is this fraud?
I went with my friend to sign for personal training, and the front desk man convinced me that I could get free personal training through them. I just had to give them my insurance card. Later he called me told me I would get unlimited sessions if I just visited their doctor so he could put me on MEDICAL NECESSITY. I was wondering how this would affect my insurance, besides bombarding it with claims? It all seems very shady to me.
#2 by quizzard123 on January 24, 2010 - 9:31 pm
Unless you have some very specific condition that medically requires personal training/physio therapy, your doctor will not agree with this, since it places HIM in a position of committing fraud. It’s also VERY unlikely your insurance will okay it.
If you have some injury that requires therapy, your insurance will only pay for a licensed therapist.
Insurance companies are not stupid, they have seen scams like this before.
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#3 by Adam S on January 24, 2010 - 9:33 pm
They are attempting to defraud your insurance company. They have a doctor who will list everyone referred by the gym as "medically necessary." It’s like a "pill doctor" who will prescribe narcotic or other classified drugs at will to referred patients.
You should contact your state Medical Board or whatever state agency handles consumer, insurance or medical fraud. That whole operation is a scam.
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#4 by Just Me on January 24, 2010 - 9:35 pm
I see a HUGE red flag here. Your instincts are absolutely correct.
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#5 by Golden on January 24, 2010 - 9:37 pm
this is simply a new twist on an old scam. people used to claim back injuries and have insurance pay for chiropractic treatment. this is similar, except that the benefit you are seeking is the therapy itself. it is fraud.
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