Does My Dog Really Need Insurance?

Interesting dog fact, the very first pet insurance policy was issued in 1982 to cover the dog playing Lassie on television. Today, an estimated 20 million cats and dogs have their own insurance policy in the United States. The pet insurance industry is growing rapidly and insurance for your pet is increasing in popularity.

According to the National Pet Owners Survey- eighty percent of U.S. households, or about 85 million families, own a pet. This is up from 56 percent of U.S. households in 1988, the first year the survey was conducted. And if you’re one of these 85 million pet parents, you already know how expensive your little furry friend can be.

My Mumford <3

My Mumford <3

About a year ago, my four-legged dog child, Mumford, ate some type of unidentified foreign object. To this day it’s still a mystery what he ate or how he found it. All I know is one morning at 4 am I awoke to the sounds of him repeat vomiting. It was not pleasant. Poor guy had gotten into something and it was causing him pain and discomfort. And as a responsible dog mom, I had to do whatever was needed to make him feel better.

So three days later, after multiple x-rays, blood tests, and some induced vomiting, he was finally better. The foreign object was gone from his system and he was my normal crazy mischievous pup again.

But - it wasn’t cheap.

My three-day vet bill was $3,200. Luckily, as an insurance agent, I was aware of pet insurance and had gotten Mumford a policy shortly after adopting him. My policy covered my entire pet bill, minus the deductible. Some people may not see the need for getting a pet insurance policy, but I was very thankful I had mine. I would hate to ever have to make a choice of not getting the best care for my pet because it was too expensive. Having pet insurance, you never have to make that choice.

Multiple pictures of Mumford are necessary for this blog:)

Multiple pictures of Mumford are necessary for this blog:)

So what do you look for in pet insurance? Not all policies are the same, so here are 5 tips to help you make the best choice.

  1. Coverage. Look closely at covered medical expenses, and more importantly, expenses not covered.

  2. Annual deductible vs. per condition deductible. Once you have met your chosen annual deductible, you no longer pay a deductible for the remainder of your annual policy period. A per condition deductible assigns deductibles per incident or condition—meaning cancer treatment may be subjected to a separate deductible than an ear infection. An annual deductible typically reimburses you more than per incident or per condition deductible.

  3. Reimbursement. Not all companies pay on the actual veterinary bill, and some don’t cover the examination fees.

  4. Claims Limits. Some companies apply claim limits per incident, per year, or over the pet’s lifetime.

  5. Pre-existing Conditions. Pet insurers do not cover pre-existing conditions; however not all prior conditions are considered chronic, and some pet insurance companies have a time-frame after which curable conditions may again be covered.

At Burgett, Ross & Associates we partner with Figo Pet Insurance. It’s the insurance I have for Mumford and I think they have the best coverage. So, if you want to insure your pet’s health to ensure you never have to make a tough choice between money or care, get a quote today and see if pet insurance is right for your furry best friend.

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Wedding Day Insurance - Why You Need It

It’s your big day! You’ve been dreaming about walking down the aisle in a beautiful dress, saying “I do” to the love of your life, and the joy of your guests dancing happily at the reception. Hopefully, all will go off without a hitch and your wedding day will be everything you’ve imagined.

But what if it’s not.

Accidents happen, businesses close, and sometimes people just aren’t reliable. And if one of those things happens to you on your wedding day, you could suffer financially and be out thousands of dollars. That’s why there’s wedding insurance. Today, I’m going to tell you what it is and why you need it for your big day.

Wedding insurance protects a couples investment for circumstances beyond their control and can help you get money back in the event of loss or damage of anything relating to your wedding, even if your wedding is unexpectedly canceled.

Here are a few worse case scenarios that could happen on your wedding day:

  • Your DJ is a no show and you have to scramble to book someone last minute and they charge triple the price.

  • The reception venue you booked months ago goes out of business and you lose your deposit and have to find a new space.

  • You spend months planning a destination wedding in the Caribbean and a hurricane causes your wedding to be postponed. You lose all of your deposits and have to rebook your venues and vendors.

  • After spending thousands of dollars on a photographer, you get a call saying your wedding photos were ruined during the development process.

  • Your spouse is in the military and is unexpectedly deployed forcing you to reschedule your wedding.

  • The bridal shop you bought your gown from goes out of business, leaving you without a gown.

Now, let’s hope none of these things ever happen to you on your wedding day. But if one of them did and you had the proper insurance coverage, you could recoup your financial loss.

Wedding insurance covers problems related to the venue, weather, vendors, key people, sickness or injury for the wedding day, rehearsal and rehearsal dinner.

At Burgett, Ross & Associates we offer a full coverage wedding policy with Travelers Insurance Wedding Protection Plan. For as little as $160, your wedding insurance policy can cover a variety of situations, such as:

  • No dress. You can get repair or replacement cost if the bride’s wedding gown or groom’s tuxedo is lost or damaged.

  • Lost deposits. You can be reimbursed your deposit if a vendor goes out of business, declares bankruptcy before your wedding or simply fails to show up.

  • Lost rings. You can receive repair or replacement cost if the bride or groom’s wedding bands are lost or damaged.

  • Reimbursement is available if a necessary and unavoidable cancellation or postponement of the event occurs. Reimbursement is available for transportation, food, catering services, property and equipment rentals, hall and location rentals, and more.

  • Ruined photos. If your photographer’s film is defective, or negatives are lost or damaged, we can help cover the cost to retake new photos.

  • Call to duty. If the bride or groom is unexpectedly called up to active duty or has her or his military service leave revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.

  • Damaged gifts. You can get repair or replacement cost if your wedding gifts are damaged.

  • Sudden illness. If the wedding needs to be postponed because sudden illness prevents the bride, groom or their parents from attending, you can receive reimbursement for certain non-recoverable expenses.

  • Venue requires insurance. As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.

  • Liquor liability. As an individual liability option to your policy, you can add this coverage to protect yourself against liability arising from alcohol-related occurrences.

  • Additional expense. If a vendor suddenly becomes unavailable for your event but you can find a last-minute replacement, we can reimburse you for the difference in cost, up to 25 percent of the original contract price.

Wedding insurance helps make things right when something goes wrong. Make sure before you spend upwards of $30,000 for your wedding day, you say, “I do” to wedding insurance.

To see if a wedding policy is right for you, get a quote now or just email us any questions you may have about protecting your perfect wedding day!

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