So many people try to decide if they should buy pet insurance or just pay for the vet costs as they come up. They wonder if there truly is an advantage or if it is just another way for insurance companies to make money. The only way to decide if this option in pet care is of interest to you is to research what the different plans offer and to see if they are worthwhile.
There are many plans available depending on which insurance companies you investigate. Their programs for your cat or dog can either be minor, covering only the basics, or much more comprehensive. Compare prices and plans before deciding. Shopping around is the only way to learn where the best coverage for your pet will come from.
Depending on what you are looking for in a policy you can buy pet insurance for your dog or cat for under a dollar a day. This can cover everything from illness, check-ups, vaccinations and injuries to x-rays, medications and surgery. What is covered is completely dependent on which company and what animal policy coverage the animal owner chooses. The ongoing treatment of a dog or cat can be expense if there is long term treatment required. Polices are available from insurance companies throughout the United States. There is even coverage available through the American Kennel Club, and not only for registered dogs, but for cats too.
One of the things that people worry about is can they choose their own vet. This is very important to most people. When you buy pet insurance you will get to choose the vet you use. Just the same way you can choose which program most suits you and the money you are able to spend on this animal medical policy. Some policies offer you such complete coverage that you will see the kind of money that you will be able to save.
Most companies will not cover those things that are expected expenses. That means that your animal’s medical plan will not cover spaying or neutering, flea control or special diets. Yet, other companies will offer policies that will cost you just a little more than the ones that cover only accidents, illnesses and injuries. These will take care of even the wellness veterinarian visits. It might cost a little more but in the long run will be a large saving.
You can pay monthly or yearly based on which method suits your financial situation. When you look at your dog or cat and think about the money you may spend in a year on general care, then think about what could go wrong you should consider this option. When you buy pet insurance it will give you that feeling of having a cushion should something serious strike your beloved animal.
Craig Thornburrow
http://www.articlesbase.com/non-fiction-articles/why-you-should-buy-pet-insurance-to-protect-that-additional-family-member-103007.html
#1 by CON-gress THe Freedom Czar on February 28, 2010 - 5:01 am
Buy it or go to JAIL…what is the Government selling…..?
PELOSI: Buy a $15,000 Policy or Go to Jail
JCT Confirms Failure to Comply with Democrats’ Mandate Can Lead to 5 Years in Jail
Friday, November 06, 2009
Today, Ranking Member of the House Ways and Means Committee Dave Camp (R-MI) released a letter from the non-partisan Joint Committee on Taxation (JCT) confirming that the failure to comply with the individual mandate to buy health insurance contained in the Pelosi health care bill (H.R. 3962, as amended) could land people in jail. The JCT letter makes clear that Americans who do not maintain “acceptable health insurance coverage” and who choose not to pay the bill’s new individual mandate tax (generally 2.5% of income), are subject to numerous civil and criminal penalties, including criminal fines of up to $250,000 and imprisonment of up to five years.
In response to the JCT letter, Camp said: “This is the ultimate example of the Democrats’ command-and-control style of governing – buy what we tell you or go to jail. It is outrageous and it should be stopped immediately.”
Key excerpts from the JCT letter appear below:
“H.R. 3962 provides that an individual (or a husband and wife in the case of a joint return) who does not, at any time during the taxable year, maintain acceptable health insurance coverage for himself or herself and each of his or her qualifying children is subject to an additional tax.” [page 1]
– - – - – - – - – -
“If the government determines that the taxpayer’s unpaid tax liability results from willful behavior, the following penalties could apply…” [page 2]
– - – - – - – - – -
“Criminal penalties
Prosecution is authorized under the Code for a variety of offenses. Depending on the level of the noncompliance, the following penalties could apply to an individual:
• Section 7203 – misdemeanor willful failure to pay is punishable by a fine of up to $25,000 and/or imprisonment of up to one year.
• Section 7201 – felony willful evasion is punishable by a fine of up to $250,000 and/or imprisonment of up to five years.” [page 3]
When confronted with this same issue during its consideration of a similar individual mandate tax, the Senate Finance Committee worked on a bipartisan basis to include language in its bill that shielded Americans from civil and criminal penalties. The Pelosi bill, however, contains no similar language protecting American citizens from civil and criminal tax penalties that could include a $250,000 fine and five years in jail.
“The Senate Finance Committee had the good sense to eliminate the extreme penalty of incarceration. Speaker Pelosi’s decision to leave in the jail time provision is a threat to every family who cannot afford the $15,000 premium her plan creates. Fortunately, Republicans have an alternative that will lower health insurance costs without raising taxes or cutting Medicare,” said Camp.
According to the Congressional Budget Office the lowest cost family non-group plan under the Speaker’s bill would cost $15,000 in 2016.
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Funny I do not see any libs on here…have they seen the light that its meerely a Gov. take over.
Of course i copied and pasted it I got from a source you idiot…why would I type all that out if its already done for me…I am much smarter than you obviously….most people cut and paste things..
MWS try something new like reading you should run for Con-gress they do not read anything either..it does not say if you have insurance.. they are clearly setting it up for a Gov tske over. duhhh
Hey, patriot, do you read much I am speaking of the Government saying, buy the insurance or you can be put in jail. if its about health catre why the jail time Sir, If you like the HC in your country fine , but get the hell out of debate. I have spoke with people in Europe, since my wife is from there they have forfieted their freedoms and are know not happy. and that is a fact.
#2 by ronnie S on February 28, 2010 - 10:03 am
the funny thing is how the hell are we going to buy into it when most people dont have the money to do so? in 2 years i went from 10 dollars an hour 40 hours a week to 7.25 an hour and only getting 3 to 4 days a week and only about 3 to 4 hours a day. by payday im lucky to have money to bank so how am i going to by into this crap, its like trusting Rosie O’donald with ur last doughnut.
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#3 by doctdon on February 28, 2010 - 10:05 am
It’s a real shame what this country has put in office. What they are "selling" can be shoveled up in most any barnyard.
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#4 by x x on February 28, 2010 - 10:07 am
They are fascist you know.
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#5 by Mj on February 28, 2010 - 10:09 am
LOL – you’ve copied and pasted write down to the pound sign. how funny.
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#6 by vwvw40 on February 28, 2010 - 10:11 am
At least while in Jail you will have Govt provided health care! What a trade off—
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#7 by mws on February 28, 2010 - 10:13 am
You don’t have to have government insurance ! You can keep your own insurance ! Get it? And for those who have no insurance and continue to use the ER and not pay the bill, piss off! You should be in jail. Who do you think pays the bill when you don’t? It is absorbed by the rest of us !
HA! Thumbs down? The truth hurts doesn’t it?
added: I’ve never heard of the book titled, "You Should Run For Congress…", or did Mr. educated just forget his commas?
Your conspiracy theories are laughable. Come back in a year a two, after you’ve been proven paranoid and delusional, and we’ll chat again.
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#8 by Altair 1 on February 28, 2010 - 10:15 am
Not to worry, the way Obama is breaking the economy in this country and unemployment rising daily, no one will have enough money to buy bread much less health insurance.
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#9 by The Patriot on February 28, 2010 - 10:17 am
No. It is buy an insurance package (which will be much less than $15,000) or get fined. And the fine will cost more than the basic public option available to all.
I am always amazed how many Americans seem not to be aware about the real healthcare issues relying instead on FOX and other sources to spread lies about the healthcare system of the USA and those abroad. I mean, if healthcare in nations with universal coverage is so bad, why do they keep it?
Obama wants to make insurance more available to all and change the system so that it gives the American people value for money [1]. He also wants change so that the insurance companies find it harder to get out of paying for treatment. The system he is proposing looks similar to that which works in Taiwan where private companies are involved in providing healthcare [2].
Obama campaigned on reforming the healthcare system. He said he wanted to make insurance more available and he was elected by the American people to do this [3].
FACT – the US has higher death rates for kids both for kids aged under one and those under five than western European countries with universal health coverage [4].
FACT – American insurance companies push up prices and work to stop paying out claims on those they cover [5].
FACT – the USA spends more on healthcare PER PERSON than any other nation on the planet [6].
That means that a dead American four year old would have had a better chance of life if they were born in any western nation with universal health coverage.
If you do not like the policies that Obama was elected to bring in, he can always be voted out of office in 2012. But if you disagree with the facts, please let me know. I am always willing to learn, but please provide proof. None of those who disagree with me have been able to do that so far.
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[1] http://www.walletpop.com/blog/2009/08/31/f-a-q-everything-youve-wanted-to-know-about-health-care-refor/
[2] http://www.guardian.co.uk/commentisfree/2007/oct/07/taiwangetshealthy
[3] http://www.youtube.com/watch?v=-J_igVFvmhw
[4] http://www.who.int/whr/2005/annex/annex2a.xls
[5] http://www.youtube.com/watch?v=N9oOOJivb1c
[6] http://www.who.int/whr/2000/en/annex01_en.pdf
#10 by Randy F on February 28, 2010 - 10:19 am
Snake oil is what is being sold.
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