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Where Pets Are Family
                              www.adobepet.com


    Pet Insurance:



What are the right choices fo...
Myths & Facts

     Pet insurance myth #1: “Pet
     insurance is expensive, or a luxury.”

        Fact: Pet insurance ca...
Myths & Facts
        Pet insurance myth #2: “Pet insurance is only for a
        few people, not for me.”

           Fac...
Pets Are Living Longer
     Most dogs in the US now live 12 years or more -
     almost twice their lifespan in the 1950s....
Options for Your Pet                                                                                                      ...
Tips
     Do:
         Research pet health insurance policies before or soon a er you
         obtain a pet.

         We ...
Pets Need Routine Care
        Keep in mind our pets are aging faster than we are - which
        means their routine chec...
Choosing a Plan
        Pet Insurance Review (www.petinsurancereview.com)
        ranks insurers on quality, service and v...
Learn More!
      Ask any of our staff to help
      you determine which insurance
      is right for you and your pet

   ...
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Pet Insurance Resources from Adobe Pet Hospital

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Adobe Pet Hospital is dedicated to providing unmatched veterinary patient care and customer service combined with the latest in medical technology - providing knowledge, care and compassion to give your pets a lifetime of great health. We offer the most advanced medical care available for your pet. This brief presentation is intended to help introduce you to the options available for pet health insurance but is NOT medical advice. Visit us online at http://www.adobepet.com.

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Pet Insurance Resources from Adobe Pet Hospital

  1. 1. Where Pets Are Family www.adobepet.com Pet Insurance: What are the right choices for my pet?
  2. 2. Myths & Facts Pet insurance myth #1: “Pet insurance is expensive, or a luxury.” Fact: Pet insurance can save you money on the procedures that matter most - and it can save your pet’s life! Where Pets Are Family www.adobepet.com
  3. 3. Myths & Facts Pet insurance myth #2: “Pet insurance is only for a few people, not for me.” Fact: e number of American pets covered by health insurance has more than doubled since 2002. (Source: American Animal Hospital Association) Fact: Pet insurance is for anyone who wants peace of mind. Fact: You won’t have to make life-or-death decisions about your pet based on costs alone. Where Pets Are Family www.adobepet.com
  4. 4. Pets Are Living Longer Most dogs in the US now live 12 years or more - almost twice their lifespan in the 1950s. (Source: American Animal Hospital Association) Indoor cats o en thrive for 14 years or longer. e Adobe Pet Hospital record is over 24 years! Just like people, our pets live longer because there is wonderful, life-saving medical care available. We believe no pet should be denied life-saving treatment for an illness or injury due to nancial concerns. Where Pets Are Family www.adobepet.com
  5. 5. Options for Your Pet (Source: American Animal Hospital Association) Option Advantages Disadvantages Consider is •A good option for small bills & routine visits. •Sticking to a savings plan is hard for most •If you don’t currently follow a regular saving people. e 2006 US savings rate was -0.4%, •No paperwork. meaning Americans spent everything they plan, this option will be difficult. Personal Savings •No waiting period. made...and then some. •If you wait too long to start or fail to save •Immediate access to funds. •You’ll need to designate money for pet care enough, money won’t be available when you •No disputes over what is covered. that may be needed for another purpose. need it. •A good option for small bills & routine visits. •Credit card limits restrict the amount you can •Bills mount quickly, particularly if you carry spend on pet care. balances on several cards. •No paperwork. •High interest rates may make repayment •Consider the impact funding pet care with Personal Credit Card(s) •No waiting period. difficult. credit cards will have on your total nancial •Immediate payment available. •Failure to pay on time may damage your credit situation if you are unable to pay off the balance •No disputes over what is covered. rating. rapidly. •Can be used in combination with pet health insurance or •Interest rates increase if you exceed your credit Credit approval required. other forms of payment. • •As with any credit card, read the application limit, pay late or fail to pay in full by the Pet Health Credit Card •No interest if repayment is made by the designated date. designated date. and ne print carefully. Understand your •Extended payment plans offered. •You may need to pay part of the bill up front if nancial obligations before you sign. •Same day approval. costs exceed your pet health credit card limit. •Full coverage generally means higher •Most pet health insurance policies are premiums. •Varies signi cantly by provider. Some policies include •You may pay for for insurance than you would indemnity policies. at means you pay the both routine care such as prescriptions and cost of veterinary care upfront and receive a Comprehensive Pet spend if you paid for routine care out-of-pocket. hospitalizations and major emergencies. refund a er the claim is processed. To take full •Preventive care such as vaccinations, wellness checks and •May not cover genetic, hereditary or pre- advantage of pet health insurance, use a credit Health Insurance existing conditions; chronic conditions may ea/heartworm care may be included or may require an card or designate some personal savings for pet require special coverage. additional fee. care. Replenish your savings or pay your credit •Requires a waiting period before policy card bill with your refund. becomes active. •Covers many major medical emergencies or serious •Routine care must be paid out-of-pocket. illnesses. •May not cover genetic, hereditary or pre- High-deductible pet •Generally couples higher deductibles with lower existing conditions. premiums. •Chronic conditions may require special •Same as above. health insurance coverage. •Protects you and your pet from catastrophic illness or accidents. •Requires a waiting period before policy becomes active.
  6. 6. Tips Do: Research pet health insurance policies before or soon a er you obtain a pet. We have created a list of the top consumer-rated insurers as well as those certi ed by AAHA to help in your decision-making process. Please ask any Adobe staff member to help you review your options. Understand when and how you will be reimbursed. Choose a policy that offers reimbursement based on actual charges rather than on “national average fees.” Costs o en vary signi cantly from region to region. Know what the policy covers before you enroll - does it cover pre-existing conditions? Overall hereditary conditions? Conditions common to your pet’s species or breed? How much coverage is provided for these conditions? Don’t: Make a decision solely on advertising. Delay selecting a provider until your pet needs medical care. Base your purchase decision on costs alone. Where Pets Are Family www.adobepet.com
  7. 7. Pets Need Routine Care Keep in mind our pets are aging faster than we are - which means their routine checkups are even more important! (Source: Idexx Labratories) Where Pets Are Family www.adobepet.com
  8. 8. Choosing a Plan Pet Insurance Review (www.petinsurancereview.com) ranks insurers on quality, service and value. eir “top four” are: Embrace Pet Insurance http://www.embracepetinsurance.com/ Trupanion http://www.trupanionpetinsurance.com/ PurinaCare® Pet Health Insurance http://www.purinacare.com/ PetPlan US http://www.gopetplan.com/ Where Pets Are Family Indicates policies which have also received the American www.adobepet.com Animal Hospital Association (AAHA) Seal of Acceptance.
  9. 9. Learn More! Ask any of our staff to help you determine which insurance is right for you and your pet Don’t wait until you have a problem - just like with people, most companies won’t cover “pre-existing conditions.” Choosing the right plan can take time, but it’s a decision that will impact the health and well-being of your pet for years to come! Where Pets Are Family www.adobepet.com

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