Why Major Medical Pet Insurance Is a Great Choice for Pet Parents
By Alex Krooglik

You might have heard the terms major medical or catastrophic coverage when talking about health insurance. Both of these terms refer to insurance that has a high deductible and a low premium and that only pays out when you have a more costly health problem.

Catastrophic or major medical pet insurance is ideal for pet parents who have a small amount saved up to cover the higher deductible. By paying just a little more of the veterinary bill in the first place with the higher deductible, your pet insurance can do its job more effectively and cheaply when the large bills come in.

How much lower are the premiums on a major medical plan? Well, like anything in insurance, the answer is it depends. But in general a major medical plan with a 0 annual deductible could be half the price of a regular plan with a 0 annual deductible! Obviously every situation is different so you\'ll want to find out for your specific circumstances what the real difference is.

Clearly a major medical pet insurance plan won\'t help you with small medical emergencies that cost a few hundred dollars. But with the high cost of veterinary care these days you could easily be left with a bill for ,900 or perhaps more* if your pet were to swallow string and require emergency care.

Not every pet insurance company offers a major medical option so be sure to ask. However Embrace Pet Insurance does offer major medical pet insurance.

For those pet parents who can afford a higher deductible, major medical pet insurance can be a terrific way to protect your pet with a very affordable premium that doesn\'t mean you have to skimp on coverage.

(*) - This figure is from a real claim received for a Labrador Retriever in NY state.

Alex Krooglik is the co-founder of [http://www.embracepetinsurance.com]Embrace Pet Insurance in Cleveland, Ohio. Embrace Pet Insurance was founded in 2004 and its mission is to convince responsible pet parents that pet insurance can and should be an integral part of every pet\'s health care. Alex\'s family has a cheeky black cat named Milla rescued from the Geauga Humane Society.

Leave a comment | View Comments