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Pet insurance is supposed to protect animal lovers against unexpected emergency bills if Rover or Fluffy collect in concern. Unfortunately, the cheapest pet insurance is not always the best. Compare pet insurance polices and know what you’re buying (up front).

Pet Health Insurance: Let the Buyer Beware

The Mercury News reports that California Governor Arnold Schwarzenegger vetoed AB2411, a bill that would have forced pet insurance providers to openly yelp coverage limits of their policies. Thwarted at the executive level, California (and nationwide) animal lovers must undertake personal pet insurance comparisons; let the buyer beware!

Pet Insurance Comparison: Exclusions Spell Big Bucks

It is not always easy to ferret out the limitations of animal health insurance plans. Frequently there are copious links, downloads and further restrictions. Consider these examples:

Pets Best Insurance

Without the addition of a “Best Wellness” notion, routine pet care (i.e. exams, dental cleanings, altering and vaccines) is not covered. Pre-existing conditions (such as congenital defects) are not limited to those that crop up during the waiting period, but may also be those ailments where “your pet had no signs or symptoms and wasn’t diagnosed.” Parasite treatments, such as heartworm testing or removal, is not covered.

Other sticking points are hereditary problems, most notably hip dysplasia. Pet lovers should peruse the list of pet health insurance exclusions by breed, since this further limits protection. For example, glaucoma is considered hereditary in beagles, Welsh Springer spaniels and Siberian huskies, while epilepsy is not covered for beagles, Labrador retrievers, German shepherds and a few others. Also excluded, by breed, are pregnancy and breeding related costs.

Veterinary Pet Insurance (VPI)

VPI pet health insurance does not cover some musculoskeletal conditions, such as hip dysplasia and cervical vertebral instability. The company does not pay for treatments related to cystine or urate urolithiasis, some ocular and blood disorders as well as hereditary or congenital conditions.

Purina Care

A pet insurance comparison reveals that pre-existing conditions, breeding and pregnancy services and also elective alternative care are services that are not covered. Also not covered are preventable conditions (when the animal’s owner did not provide the pet with the preventative care). Keep in mind that this could very well refer to heartworm treatments as well.

Before deciding on a pet insurance company, the consumer must compare pet insurance policies and – depending on the animal’s breed – think carefully which plan is the least or most restrictive.

Sources

http://www.mercurynews.com/news/ci_16173733? nclick_check=1

http://www.petsbest.com/whatsnotcovered.aspx

http://www.petsbest.com/plans/limitations.aspx

http://www.petsbest.com/plans/excluded.aspx

http://www.petinsurance.com/Pet-Insurance-Buyers-Guide/Frequently-Asked-Questions.aspx

http://www.petinsurance.com/Pet-Insurance-Buyers-Guide/~/media/pdfs/Conditions_not_Covered.ashx

http://www.purinacare.com/our_plans_faqs.aspx

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*** I’m aware I’ll probably get a lot of hate mail from this piece.  That’s fine.  Think what you want.  The vital thing is that you’re thinking.***

So people in Massachusetts are all like, “Hey, gay folks can get married here and that’s beautiful with us!” and people in San Francisco are like, “Hey, same here, because we don’t have a problem with it!” and now all these other places are all like, “Huh. That isn’t a abominable idea. Equal rights for all humans? This is a concept worth looking into.” All my friends on the west coast seem pretty happy about it, and relieved that after years of stagnating there’s a resurgence in the area of civil rights. I think a lot of people thought we were all done: “Shaded people have rights, women have rights, The End. Oh, wait! Remember that gay kid who was killed when some rednecks in Texas tied him to the encourage of their pickup truck and dragged him around? Remember that other kid that was beaten to death because he was gay and then all the religious folks in his town were like, ‘He deserved it’? We are definitely not a land of opportunity for everyone yet, so let’s make some changes in that direction. Let’s stop prohibiting homosexuals from adopting children. Let’s stop prohibiting life partners from sharing health insurance. And, what the hell, let’s let gay people get married! Unprejudiced because you’re satisfied doesn’t mean you shouldn’t have the right to be as miserable as everybody else, and to experience the wonders and joys of a long, drawn-out, expensive divorce.”

That sounds like a perfectly normal, fair decision to a lot of us.  Oh sure, there are some folks out there who still see homosexuality as an abomination or a sin, but as a whole we have progressed in our thinking, lawful?   Wrong. You’d deem that in a country that claims to be so socially and emotionally liberated that two people, of any persuasion, wanting to get married would be no big deal. We’re the country that invented Political Correctness, taking it to new heights so that you can practically be put to death for referring to the woman who serves your soup in the diner as a “waitress” instead of a “server”, or to the woman who serves your orange juice on the plane as a “stewardess” instead of a “flight attendant”. We’re so sensitive and aware that the government almost has to send out memos every four months telling us which is politically correct right now: “black” or “African-American” or “Afro-American”; “Latino” or “Hispanic”. We’re the country who doesn’t even blink when our children’s favorite singers writhe around half-naked onstage with a boa constrictor, for heaven’s sake. We’re the country who embraces incompatibility and originality and uniqueness – except, as it turns out, when that difference is something we don’t understand…

It’s pretty for our son to wear black leather and a dog collar and listen to suicide music and pierce his eyebrow and flunk out of middle school, but it’s not fine for our son to have a crush on a boy. We heterosexual Americans from the Baby Boomer generation up to Generation Z understand rebellion and free expression, and we embrace it because we’ve experienced it. But somehow we don’t, we can’t, understand how any man could be so fundamentally, genetically different from us that he is emotionally and sexually attracted to another man. Because even if we hate the type of music someone listens to, or hate our son’s purple hair, or hate the fact that our daughter is a vegetarian, we can collected wrap our heads around it. We can understand how someone could be averse to ingesting meat, or how someone could like rap instead of adult contempo. But there is something deep inside of us that brings a big iron wall down inside our brains when we try to truly understand how someone could be attracted to someone of the same sex. We can’t understand it because we can’t experience it. Listening to a different kind of music doesn’t change who you are inside, but sleeping with someone of the same sex does. What these people don’t understand is that homosexuality is not a form of rebellion. It is a form of being human. That scares the living hell out of us.

Therefore, it must be corrupt. It must be bad. Allowing homosexuals the fair to be legally married has been deemed comparable, by lobbyists and politicians and ministers all over the country, to beastiality. “If we let a man marry a man, then where do we draw the line? What’s next: a man marrying a dog? ” I try very hard to laugh these “comparisons” off because they’re so ridiculous, but my madden and indignation don’t allow me to laugh. We’re talking about human beings here, not animals. We’re talking about two people who love each other, and are committed to one another, who want the same right as their neighbors and their parents and the abusive drug addicts down the street, to solidify that love by making a spiritual and legal bond with one another. I simply can’t understand why so many people in our seemingly open and liberal and fair country are so vehemently against this. Is it because they feel threatened? Does thinking about homosexuality make them question their own sexuality? How does any two people getting married make your absorb marriage any less real or sacred?

And now our president and our senators are shoving their own hang-ups and hatred and fear onto all of us. They want to amend the Constitution to ban gay marriage. For heaven’s sake, there was a slot on Virginia’s election ballot for this very thing:  to constitutionally ban gay marriage in the state of Virginia.  And it won.  This is the same Constitution we proudly amended years ago to ensure and retain equal rights for all citizens, regardless of their background or genetics. Women were considered dismal – simply because they were born with different genes and different genitalia. Blacks were considered inferior – simply because they were born with a different skin color. But we realized that this was wrong, and we voted to change what the founders of our country deemed legal, and rewrote our identity. Without getting into the argument that homosexuality is a choice versus a genetic trait, how is this any different?

The bottom line is that we are all human. Elton John is just as human as Madonna. Okay, bad example. But you know what I mean. Humans have a fundamental need for like, and a fundamental true to give love to and receive love from anyone they think worthy. I treasure my friend Dina with all my heart, and if the U.S. government ruled that I could not savor her and be her friend, would that be proper? No. If I were to part a bed and sexual contact with her, would it lessen or strengthen my cherish for her? No. It would change it. It would make it different. And that is the bottom line. We are sad, laughable mammals who scare and therefore condemn what we can’t understand, and what is different.

If you really believe that your God hates determined people for loving in a different way than you do, I think you seriously need to question what kind of deity you’re worshipping. If you really think that ignorance and intolerance is a better choice than love and freedom, you need to re-read the Bible.  You need to realize that this extraordinary book was written by men, human, mortal men, in a time when a lot of things we take for granted as commonplace to day were considered evil and “illegal”.  These men believed that God told them that women who were raped should be stoned, and that anyone who committed adultery should be stoned. These same men believed that God told them that homosexuality was a sin.  Do you believe that all of these things are true?   Are you willing to base your entire belief system on the preachings of the Musty Testament?   I certainly hope not.  And if you really think that imposing some outdated religious beliefs are more important than enforcing the basic rights of your fellow man, I personally question your right to even have a vote in this election.  

I have yet to hear a secular viewpoint against tickled unions; that is, an argument in which the words “moral”, “religion” and “God”, aren’t thrown around.  I maintain that “gay marriage” should be left to the decision of individual churches, and that a marriage license should be issued to any two consenting adults, regardless of their gender.  Maybe I’m spoiled, but if I’m going to get stoned for getting raped anyway, I guess I don’t want to be right.

And in conclusion, and the most important part of my argument:  I think anyone who questions the validity of a gay couple’s treasure should spend some time with one. Two people who have to fight to get married, who have to be brave just to hold hands walking down the street, and who could never be guilted into marriage by an accidental pregnancy or society’s expectations, are two people who truly deserve to be married and will treasure it. Most heterosexual people can’t honestly say that. You will never find truer appreciate than that between two people who fight battles and endure hatred impartial to be with one another.  Read Shakespeare’s “Romeo and Juliet” to examine what I mean.

And besides, gay weddings are dazzling, well-planned and have excellent music. You will never be served red wine with your grilled chicken, I can tell you that.

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If you are a driver in California, you have to provide proof of financial responsibility. In California, every resident is required to carry liability insurance. The minimum requirement for auto insurance is 15/30/5. Drivers need to carry a bodily liability insurance that worth $15,000. For accidents that involve several persons, the minimum liability insurance you have to carry is $30,000. The minimum requirement for property damage insurance is $5000.

There are many ways Californian drivers can achieve financial responsibilities. You can place a cash deposit that worth $35,000 with the department of motor vehicles (DMV). If you own a fleet of cars, you can carry a certificate of self insurance. You must own more than 25 vehicles before you are helpful to place the cash deposit as replacement for purchasing insurance.

Alternatively, you can purchase a $35,000 surety bond. The $35,000 surety bond can be purchased from an insurance company.

If you are renting a car, make obvious you get a copy of the car rental agreement from the car rental company. The car rental agreement includes information about the coverage for rental cars. You can also obtain auto rental insurance from credit card. Many credit card companies provide coverage for rental cars.

Personal credit history is one of the factors that insurance company considers when determining the rates. According to the law in California, insurance companies can utilize other factors to determine the auto insurance premium rate. Some of the factors that insurance companies use to choose the rate are premiums, creditworthiness, and coverage included in the policy.

Californiapractices the tort system so the at fault person has to pay for the damages. The person who is at fault must pay for all the damages involved in the accident including car damage cost and medical cost.

Californiadoes not require its residents to carry uninsured/underinsured insurance coverage. Despite that, it is recommended that you purchase an uninsured/underinsured insurance coverage that worth $50,000. You should purchase as worthy uninsured/underinsured coverage as you can afford. In this way, you will be safe from financial disaster.

As a car driver, you have responsibility to renew the auto insurance policy every year. If you neglect to settle payment for the premium, your auto insurance will lapse. The penalty for allowing your insurance to lapse is severe. If you let your car insurance lapse, DMV will suspend your car registration. In addition, your vehicle will be impounded as well.

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Many senior citizens have been loyal to their auto insurance companies for years, often decades. Having the same capable insurance agent and company is comforting. But the auto insurance industry has become more competitive, actively vying for the senior citizen market. It makes sense for senior citizens to pick up information to compare their unique rates, especially at the time of auto insurance renewal.

Getting quotes for auto insurance is an easy process. With just a few clicks on the computer or toll-free telephone calls, anyone can gather a list that compares auto insurance by services and rates. For senior citizens, who often are on fixed incomes, this can be a very cost-effective exercise, possibly saving them hundreds of dollars during an insured period.

Finding Comparable Rates

Buying auto insurance is like any other important, long-term purchase. The key is to grasp time to research and shop for the best deal with reliable auto insurance companies.

The following is a sample of insurance companies and insurance brokers offering auto insurance quotes on the Internet. Many have specific marketing programs targeting senior citizens.

AARP: www.aarp.thehartford.com.
AARP is an advocacy organization for seniors that promotes the interests of people over 50 years old. They offer auto insurance to members through The Hartford.

Allstate: www.allstate.com.
Allstate is a well known insurance company. Quotes can be gathered at the above website or local agents can be found in the telephone book and are available to assist in preparing a free quote.

Farmers Insurance Group: http://www.farmersinsurance.com.
Online or in person, a Farmers insurance agent can review auto insurance coverage, help identify potential gaps, and include any qualifying Farmers Auto insurance discounts.

Progressive Insurance: www.progressive.com.
Progressive will provide a quote for their company along with comparables of other auto insurance companies for easy comparisons.

Geico Insurance: www.geico.com.
This company can be accessed online or at one of their many offices. It is easy to come by a quote; they offer flexible payment options and competitive rates.

Costco: www.costco.com.
Costco offers membership insurance through Ameriprise Auto & Home Insurance.

Autoinsure: www.autoinsure.org.
Autoinsure has a page with helpful insurance information for senior citizens. They can provide quotes from all the major auto insurance companies.

Esurance: www.esurance.com.
A rising star among insurance companies that take pride in stating: “Esurance doesn’t unprejudiced offer reliable insurance coverage, we also believe in educating consumers.” Their online quote process is easy to navigate.

US Insurance: www.usinsuranceonline.com
They will provide multiple auto insurance quotes tailored to specific needs within minutes of filling out their simple short form. It’s easy then to compare them side by side to bag the best prices and coverage.

Car Insurance Rates: www.carinsurancerates.com
Their network of companies and brokers offer a variety of car insurances: Farmers, Allstate, AIG, Nationwide, AARP, Safeco Insurance, Liberty Mutual, MetLife and Mercury.

Every insurance rate: www.everyinsurancerate.com
EveryInsuranceCompany.com is a handy Internet directory to find local insurance companies, insurance quotes and discount insurance rates.

Quote Scout: www.quotescout.com.
This website will provide quotes from a long list of auto insurance companies – literally from “A” to “Z”.

Insurance.com: http://www.insurance.com.
Insurance.com works directly with 15 highly rated car insurance companies in 46 states: 21st Century, Electric Insurance, Esurance Auto Insurance, The Hartford, Infinity, Liberty Mutual, Meritplan Insurance, MetLife Auto Insurance, Newport Insurance, Permanent General Assurance Corporation (The General), Progressive, QBE Insurance, Safeco, Travelers Insurance, and Unitrin Direct.

Keeping Auto Insurance Rates Down

There are ways that senior citizens can take responsibility to control their auto insurance rates. Here are a few suggestions.

According to seniorjournal.com, most of the major auto insurance agencies provide a 5% – 10% discount to drivers beginning at the ages of 50 or 55. However, as a group, drivers 75 and older have one of the highest rates of fatal daytime accidents. Because of this, it’s important that senior drivers stay proactive and involved in keeping their driving skills sharp.

Many states offer an auto insurance discount for mature drivers if a person meets a given age criteria and has taken an approved mature driver safety course. Local colleges and senior centers are good resources to learn about the classes. AARP has local and on-line access to the course. Costco offers its members an online drivers’ safety training course through FirstNet: www.firstnetlearning.com.

Another way to withhold auto insurance rates down is to drive a low-profile car, one that as fraction of a group has a lower rate due to minimum repair costs, considered safer and less likely to be stolen. Check the Highway Loss Data Institute, www.iihs.org, for the latest related data.

Examine current auto insurance needs and requirements. Changing to higher deductibles or dropping collision or comprehensive coverage for older cars may make sense.

Always ask about discounts when purchasing or renewing auto insurance.

And finally, the best long-term advice: Always drive defensively, stay alert and follow the driving laws. Maintaining a safe driving recount is the best way to keep auto insurance rates down.

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Auto insurance is an expensive necessity for all drivers, but can be more expensive for younger drivers and senior citizens. Unfortunately, statistically, senior citizens have a higher assumed risk than middle dilapidated drivers do, which translates into a higher premium. The cost of a premium for senior citizens can vary depending on age, for instance, an individual in their 50′s will pay significantly less than an individual in their 80′s.

What kind of discounts should senior citizens look for?

• Mature driver discount- Drivers that are of a certain age will be able to apply for the stale driver discount, which is available on most auto insurance company.

• Safe driver discount- Drivers who have a clean driving record, without many accidents, or moving violations will see a significantly lower auto insurance premium. This discount can be substantial for senior drivers since a proven track record or safe driving will likely be continued.

• Multiple policy discount- The multiple policy discounts is available for any age driver, but drivers who are seniors have a good chance at having various insurance policies that younger drivers may not have. Combining auto insurance policies such as house, auto, and boat insurance will reduce your monthly premium significantly.

• Driving class discount- Completing a valid driver’s class is not only easy, but it helps save money annually on your insurance bill. From personal experience I can say that the driver’s class takes about 4 hours and is incredibly easy to complete.

Are there any auto insurance companies that are better than others for senior citizens?

Choosing an auto insurance company is a personal choice for the individual. The discounts offered for drivers of any age, especially senior citizens, will receive lower rates for their driving represent. The auto insurance premium for senior citizens will depend greatly on age, as mentioned earlier; the cost of the premium will vary greatly for senior citizens. I recommend completing a driving class since it shows the auto insurance company that you care about safe driving.

Overall

Overall, the cost of insurance for senior citizens will depend on the same factors as it does for individuals of any age. Senior citizens are entitled to the senior citizen or mature driver discount, but may face higher premiums based on age. Older drivers can receive discounts that younger drivers may not be entitled for, but since auto insurance companies vary there is no best company for seniors. However, the best company you choose will be based on your driving record and discounts that are available.

Sources:

Personal experience

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