Things to consider when thinking about insurance opposed to UPC
02/06/2014

UPC is  NOT INSURANCE


UPC IS A MEMBERSHIP PROGRAM THAT gives you assurance that every visit at the Vet’s office will have a savings no matter the age or breed of your pet. No restrictions or limitations. No pre-existing condition exclusions.


Please read…


 


Insurance Coverage…Knowing exactly what is covered by your policy can prevent unpleasant surprises. Some important things to look for when comparing policies include the following:


Each policy’s waiting period and definition of pre-existing problems.


UPC has NO WAITING PERIOD


 


 Whether or not hereditary, genetic and congenital conditions, such as hip dysplasia, epilepsy and luxating patellae, are covered.


UPC has NO CONDITION EXCLUSIONS


 


  INSURANCE Coverage terms for chronic ailments.


      Specifically excluded procedures.


      Included procedures and tests.


      Coverage for preventative medicine.


      Coverage for dental issues.


      Ages and breeds covered.


      Whether or not you can choose your own doctor.


      Whether or not you need preauthorization for care.


      Requirements, such as obtaining annual wellness exams, for maintaining coverage.


UPC Covers ALL Procedures and Tests, Preventative Medicines, Dental Issues, NO AGE or BREED Exclusions, No Preauthorization Required. All Medical services provided by the Veterinarian you choose in our network as your pets PRIMARY CARE VET are covered with NO EXCLUSIONS!


 


INSURANCE Claims... Most pet insurance plans are reimbursement plans. This means that you pay your veterinarian for treating your pet, and the insurance company reimburses you for the amount covered under your plan’s terms.


UPC HAS NO CLAIM FORMS< NO PAPER WORK


 


INSURANCE Costs


Monthly Premiums


The monthly premium is the number most consumers think about when they consider the cost of an insurance plan. Your premium depends on a number of factors including the amount of coverage you require, your location, the age of your pet, whether the animal is a cat or a dog and your pet’s breed. In general, purebred pets are more expensive to insure than mixed breeds, and dogs are more expensive to insure than cats. Also, older pets are more expensive to insure than younger animals.


UPC HAS A LOW MONTHLY PAYMENT FOR THE MEMBERSHIP PROGRAM YOU CHOOSE


 


 Deductibles…


The deductible is the amount of money you are responsible for paying before your insurance company begins bearing the cost of your pet’s care. Some policies require you to pay your deductible for each incident while others have yearly deductibles.


Insurance Companies usually charge lower monthly fees for plans with Higher deductibles.


UPC HAS NO DEDUCTABLES


Copayments


Some plans require copayments. Your copayment is the amount you pay for each visit to your veterinarian or for each claim. This payment can be a percentage of the cost of the procedure or a set fee.


UPC HAS AN OFFICE VISIT>>> $35.00 (Opposed to the normal office visit fee)


Limits


Before choosing a policy, you should investigate the limits of the coverage it provides. Some policies have a maximum amount they cover per year, per incident and per illness.


UPC HAS NO LIMIT OF VISITS AND NO DOLLAR CAP


 


By the time you add up and subtract this from that when comparing UPC to Insurance


The bottom line is you will save with a discount AT EVERY OFFICE VISIT.


by Sharon Lesch

© 2014 ~ United Pet Care UPC is not insurance and is not regulated by the Department of Insurance. Corporate info | FAQ