Highly productive, intuitive user interface
Support for MS Office and OpenOffice Writer
Integrated Scheduling with Calendar and Outlook synchronization
Integrated document management with direct scanning option in PDF, JPG, GIF
Extensive communication options (email, phone, fax, web, letter, …)
Telephony (CTI) via TAPI dialing and caller recognition via ISDN or TAPI
Various printing functions (letters, lists and reports)
Complex search and filter functions, stored
Birthday and event reminder, deduplication and cleansing, mass changes
Very flexible, configurable and customizable (custom lists, fields, …)
ZIP code database (after entering the zip code is automatically completed, the place name)
and much more …
The customer and contract management KVV 2.4.0 It therefore makes your daily work with clients and insurance data.

What is boat insurance?

Boat insurance is a custom made insurance that covers your boat and this coverage becomes applicable once you have the boat insurance policy from your preferred insurance company. You need to pay certain premium and while the policy lasts, the insurance company will cover all the expenditure that has occurred due to damages resulting from mishaps, accidents or calamities. This insurance also covers damage done by your boat to other boats or people.

Things to consider when buying boat insurance

Different companies provide a variety of policy wording and you may be confused what sort of policy you require. The cover offered by an insurance company and the service provided by it can differ greatly. Hence remember that if you buy a cheap policy, you may end up spending more money in the long run, if you make a claim. The most important points to consider before you buy insurance for your boat are:
• Third party liability: You must always go for liability insurance as this covers you in case you have caused damage to another boat or have caused injury to a person.
• Comprehensive cover: This insurance covers you for any accidental damage, theft, fire and vandalism.
• Theft cover: When your boat is not in use, this policy covers you against theft.

However, each insurance company has different requirements and you have to adhere to them or you may be left uninsured.

• Towing: Most policies cover expenses which cover towing waterskiers, kneeboards or inflatable toys, though restrictions may apply.
• Policy excess: This is the amount you have to pay if any claim is made.

Tips to save money on your boat insurance

Another way of reducing the cost of boat insurance policy is going for voluntary insurance excess. But remember that in an event of a claim you will have to pay the excess. So ensure that you are able to strike a balance between cost of the insurance and the excess you choose when trying to reduce your boat insurance premium in the UK.

Once summer months are over and the boat is laid up, it would be foolish cancelling your insurance, but consider laid up cover to protect the safety of your boat. Shop around for a Boat Insurance Quote!

source: www.insuranceblog.co.uk/2010/08/boat-insurance-in-the-uk/

CPI annual inflation stands at 3.1 per cent, down from 3.2 per cent in June, reveals the latest Consumer Price Index showing that the market will self adjust to inflationary pressures without the intervention of monetary or fiscal policies designed to rock the boat!

The CPI fell by 0.2 per cent between June and July this year compared with no change over the same period a year ago.

These 1-month changes are both within the normal range for a June to July period; since 1996, the monthly movement between these two months has varied between a fall of 0.8 per cent and an increase of 0.1 per cent.

Some myopic Internet financial analysts who have been arguing for a base rate increase for over a year are still crying foul……

“Inflation is a stealthy enemy for savers and when rates are low, it quietly erodes the spending power of a hard earned nest egg. Savers may have had a short respite from a marginal fall in inflation, but savings rates have hit a plateau and may be there for a while.

“The average one year fixed bond rate has fallen from 3.07% in January to only 2.54% today and the average five year fixed bond rate has fallen from 4.56% to 4.08% for the same period.

“The average instant access savings rate is still at rock bottom at a rate of only 0.74%. The only trigger for any improvement in savings rates may be a surprise increase in the Base rate by the Bank of England, but this is most likely not to happen soon.”

Stated a recent industry commentator, who Insurance Blog thinks is living in cloud cuckoo land and who obviously has been sitting on his dwindling nest egg of savings, and foolishly thinks he will survive a double dip recession caused by an increase in Interest Rates!

However the Bank of England sensibly have other ideas, and quite rightly given the downward curve of inflationary pressures have decided to leave things as they are!

The Bank of England’s Monetary Policy Committee voted two weeks ago to maintain the official Bank Rate paid on commercial bank reserves at 0.5% and their decision now looks justified with inflation self balancing. The recent inflation has been artificial with rises in the RPI in areas such as fuel and power and food, although where there are alternative suppliers the markets have had to adjust to the temptation of putting prices up to pay for their past mistakes, and the UK Insurance Market is a typical example of this.

The Committee also voted to maintain the stock of asset purchases financed by the issuance of central bank reserves at £200 billion. The Committee’s latest inflation and output projections will appear in the Inflation Report to published on Wednesday 11 August.

The minutes of the Bank’s meeting will be published at 9.30am tomorrow on Wednesday 18 August.

source: www.insuranceblog.co.uk/2010/08/bank-of-england-is-steady-at-the-helm-with-sensible-interest-rate/

The use of asbestos was banned over thirty years ago, but the UK Insurance Industry now faces a time bomb of claims from people directly or indirectly exposed to the deadly substance.

Asbestos was once hailed as a miracle product but its use has exacted a terrible price for those exposed to it. Diseases caused by ingestion into the lungs such as Asbestosis and Mesothelioma may take over forty years to become apparent, and the true cost of the substance use in damages claims, is only just beginning to occur.

Asbestos has been used by man since ancient Greece for its fire resistant properties, but even then it was recorded that slaves exposed to it were dying from terrible lung disease and breathing difficulties.

In the twentieth century Asbestos was used in all sorts of construction and manufacturing processes. In every public building you would find pipes and boilers covered with the material. Shipbuilders and dockyards were particularly prevalent in its use and it was not uncommon to regularly see old ‘laggers’ and pipe workers coughing up the so called ‘Dockers oysters’. Offices were also exposed to asbestos with the use in partition walls and suspended ceilings. In the home it was used in all sorts of ways ranging from ironing boards to car brake pads and shed roof coverings.

By far the most deadly variety of asbestos is ‘blue asbestos’ of which a single strand in the lungs can cause the deadly disease years later.

The first asbestos related industrial injury claims appeared in the 1960’s and have risen dramatically since then. The use of the material in the UK was stopped by the H&SE (Health and Safety Executive) in the 1970’s but it was only finally banned in 1980. During that time many asbestos removal firms sprung up primarily to remove the substance from public buildings such as hospitals and schools. By 2003 it is estimated that the number of direct asbestosis claims accounted for a payout of over 1.3 billion pounds in the UK.

There are four recognised types of asbestosis related disease ranging from the savage lung cancer mesothelioma which usually kills within a year, through to what are known as ‘pleural plaques’ for which legislation in the UK does not currently allow claims, though this is set to change and could trigger billions of pounds worth of claims.

Pleural plaques are areas of scar tissue on the lungs caused by exposure to asbestos.

Although not directly covered for claims as the cause and outcomes cannot be proven, UK Insurance companies used to pay out small amounts to compensate for the anxiety of the possibility of the plaques developing into something more serious such as mesothelioma. In 2007 the House of Lords ruled that these conditions are no longer entitled to compensation, though this is currently being challenged by the Scottish Courts and others and is expected to be overturned.

The United States is about twenty years ahead of the UK in asbestos related claims with more than three quarters of a million claims being paid out since 1980. The vast majority of these claims were for pleural plaques and the cost so far is estimated to be around $120 billion, which has been paid out by US and foreign underwriters.

In the UK it is not as easy to bring a claim for asbestosis as it is in America where class actions against the manufacturers of asbestos can sue a multitude of companies who each pay a small amount of damages. In the UK even though more people are expected to die from exposure, causality and proximate cause need to be proved before any legal action can be taken.

The worrying thing for Insurance company claims departments is that the range and spread of claims for asbestosis has changed dramatically in recent years as the true cost is exposed. In the past the majority of claims were from laggers and those directly involved in the use of asbestos, mostly in the industrial parts of the country.

Claims are now being made from all over the UK from for example, carpenters, plumbers, teachers and family members of those who worked with asbestos, such as wives washing clothes and children who greeted their fathers after work.

According to the health and safety executive, the body in charge of workplace safety in the UK, there is still over half a million tonnes of deadly blue and brown asbestos and nearly 3 million tonnes of white asbestos in buildings around the UK. Each year over 2500 people die from mesothelioma.

Although claims for mesothelioma are expected to peak by 2012 as those directly exposed to it will all be dead, the ticking time bomb for all asbestos claims is predicted to continue until 2040. By this time over 200000 claims will have been made which will cost the UK Insurance industry in the region of 10 billion pounds, which the Insurance companies will have to set aside in claims reserves.

source: www.insuranceblog.co.uk/2010/08/asbestos-compensation-claims-to-cost-uk-insurance-companies-dear/

Geico Car Insurance  Company has recently launched a concept, because the little creature that your auto insurance has become spaces.

You spend millions of dollars each year trying to convince him to buy the policy with them. They claim they can save 15% in just 15 minutes. The most important thing is that the reputation is not the cute mascots many of us have learned to love.

Well first, the  Geico Car Insurance company is in business for 70 years, I must tell you something. Most companies are not the last five years and usually give a lasting good service and competitive prices.

Recently I called  Geico Car Insurance to see if I could really save 15% today on my car insurance. The customer service was very friendly and seemed out of the way for me. After about 10 minutes Geico give me the same could cover about 20% lower than it was currently paying.

If you are looking important for  Geico Car Insurance, do your homework and you looking to make the turn. I suggest you have at least three bids from three different companies, so you can make your own decision. Be sure to compare budgets to provide such coverage.

It is simply too large insurance prices to find the insufficient coverage, if you have an accident. After an adequate coverage to repair or replace your car is very important. More importantly, covers the other driver if you happen to be in error.

Although my experience with  Geico Car Insurance was the opportunity to save money, it is important that you protect your business and your family.

15 minutes could save you 15% or more on your car insurance.

source: www.theseinsurance.com

Every four years Insurance Companies underwrite all the risks associated with holding and attending the World’s largest sporting event – The FIFA World Cup Finals.

Insurance Blog reports on the risks and covers available and the large premiums paid to ensure that this years Tournament currently going on in South Africa, went without a hitch…

The prior concerns and fears that had been raised over the insurance cover for the 2010 World Cup failed to materialise as the tournament passed off without a major incident or claim.

FIFA had been forced to build a R6.3 billion contingency fund (around a billion US dollars) to cater for the possible collapse of the 2010 event – a lot of money when you consider that the winners Spain only receive £40 million pounds ($60 million) in prize money. FIFA have taken out cover for any kind of interruption, delay or abandonment of the World Cup and the consequent loss of revenues.

Individual players and their respective Football Association’s had to make their own arrangements for sports disability and sports accident insurance , with the number of top players appearing at the tournament making it the most injury exposed in the history of the sport.

Fortunately for FIFA and the Insurance companies involved, the Tournament passed off without any major player injuries, which was fortunate as many National Football Associations, particularly those in Africa, would have struggled to meet the cost of covering the wages of the likes of Didier Drogba, Michael Essien, Soloman Kalou and Kolo & YaYa Toure, nevermind the liabilities to the individual Clubs.

source: www.insuranceblog.co.uk/2010/07/the-cost-of-insuring-the-fifa-world-cup/

The prawn sandwiches were out in force yesterday at Old Trafford as the new sponsors of Manchester United Football Club, Aon the giant American Insurance Broker, took over the lucrative deal from disgraced and broke AIG the not so giant American Insurance Company.

AIG had to pull out their 14 million a year deal which ran until the end of May this year, after the company was bailed out by the US Treasury to keep it alive.

It’s been a bad week for AIG who failed to complete the sale of their Asian division AIA to the man from the Pru, as the Treasury ‘overvalued’ the operation at 24.5 billion.

It might not be such a big deal for Aon either who have reportedly paid 80 million to be in the Red and announced at the time that they shared a desire for excellence and winning, based on tradition, integrity, teamwork and success.

Manchester United are no longer the force they were a year ago when the sponsorhip deal was cut. The club could be said to be in crisis for their high standards. The aging team and manager failed to win a trophy last season and were ignominiously dumped out of the European Champions League in the quarter finals.

The sale of Manchester United Shirts has dropped dramatically domestically with supporters favouring the green and yellow colours of the orignial club Newton Heath as a demonstration against the way that American owners the Glazer’s have assest stripped the once rich club.

With a lack of success the lucrative Asian shirt market will likely suffer too.

Hey maybe Aon should buy AIA!

Trying to buy success in the UK football market has so far only been achieved by the Russians!
source: www.insuranceblog.co.uk/2010/06/aon-in-the-red-aig-loses-the-shirt-off-its-back/

Insurance Blog was gazing through some very old travel guides when we noticed that Insurance Marketing has come a long way since the start of Insurance….

‘Very good people to deal with”  What’s all that about then?

Good at what? Deal with What?

“Good Day Mister. I’m from London Assurance. We’ll deal with it for you! (Cockney Accent required)

An interesting thing about the advert is the Firemark in the centre depicting the coat of arms of the Corporation of the City of London, The George Cross.

Also notice the EC4 address which is still very much an Insurance area of the City.

For those of you who don’t know what a fire mark is, a Firemark was a plaque that was placed on the exterior of a property in full public view to indicate to the privately owned fire brigades that the house was covered by home insurance and was worth saving.

If you didn’t have a firemark on your wall and your house caught fire – then it burnt!

Fortunately the days of proving you’ve got home insurance before the Fire Brigade will start putting out the fire, are long gone. Fire Marks though now very collectable, were the very first form of Insurance Marketing and advertising.

By the 1920’s advertising for Home Insurance and property insurance had moved on with the emphasis on courtesy, service and prompt settlement as this fascinating advert from the still existing Eagle Star Company, now part of the Zurich group demonstrates.

Hmm…. It still took them nearly 2 months to pay the claim!

I wonder how many of those words prompt settlement and service, you’ll see on price driven television insurance adverts or the Internet insurance marketing campaigns of today!

source: www.insuranceblog.co.uk/2010/06/insurance-marketing-old-school/

You also maybe interested to read the following article:

The Reasons Why Health Insurance is So Important for Us

This is the third in a three part series on a legal case with HMRC taken up against two major comparison sites and aggregators: Autotrader and Insurancewide.

This personal transcript is taken from an Insider (General Manager) at Insurancewide,Keith Sholl

So we move forward into 2010 and the Court of Appeal held in March. Due to the circumstances that prevailed Insurancewide had no legal representation at the hearing and, unfortunately, neither was I able to attend court and, therefore, I am unable to provide testimony as to the drama that may have been enacted during the course of those proceedings.

Nevertheless, the decision announced on 22nd April is dramatic enough in that the three Judges each found in favour of the Respondents in their unanimous dismissal of the appeal by HMRC.

In summing up the Judges set out what they saw as the key principles in the case, which included the following:-

“Whether or not a person is an insurance broker or an insurance agent, within Article 13(B) depends on what they do.”

“It is an essential characteristic of an insurance broker or an insurance agent, within Article 13B(a), that they are engaged in the business of putting insurance companies in touch with potential clients or, more generally, acting as intermediaries between insurance companies and clients or potential clients.”

And in deliberating on whether those principles had been met the judges found in favour of both Insurancewide and Trader Media, thus:-

…..It is sufficient that they were providing services characteristic of an insurance broker or agent, and which were vital to the process of introducing those seeking insurance with insurers, even if they were only part of a chain of such persons…..

I sense a strange feeling of déjà vu in reading these conclusions – but wait isn’t that exactly what HMRC say within their own internal manuals on the matter of insurance intermediary services – as highlighted in the following extracts.

“VATINS5205 – Services of an insurance intermediary: Insurance brokers and insurance agents: General
There is no definition of either insurance broker or insurance agent within UK or EC VAT law. Whereas the profession of an insurance broker is well recognised, however, this is not so true of an insurance agent and this can sometimes cause problems.

For the purposes of the VAT exemption we recognise an insurance agent as anyone who provides insurance related services in an intermediary capacity.”

“VATINS1310 – General Introduction and the law: Legal Notes to Group 2:
Legal Note 1: Services of an Insurance Intermediary

1 For the purposes of item 4 services are services of an insurance intermediary if they fall within any of the following paragraphs –

a. the bringing together, with a view to the insurance or reinsurance of risks, of -

(i) persons who are or may be seeking insurance or reinsurance, and
(ii) persons who provide insurance or reinsurance; …………… “

For the sake of brevity (ha! ha!), I have included only the relevant paragraph above but the other 3 can be seen by viewing the documents online

“VATINS1320 – General Introduction and the law: Legal Notes to Group 2:
Legal Note 2: Acting in a intermediary capacity

2 For the purposes of item 4 an insurance broker or insurance agent is acting “in an intermediary capacity” wherever he is acting as an intermediary, or one of the intermediaries, between -

1. a person who provides insurance or reinsurance and
2. a person who is or may be seeking insurance or reinsurance or is an insured person.”

Given the correlation between the findings of the courts and HMRC’s own guidance notes on the matter of Insurance Intermediary Services and also given that, within the general guidance on their website, HMRC state that they are committed to “resolve disputes by exploring all reasonable possibilities of settlement locally”, it is extraordinary that this matter should even have got as far as Tribunal let alone the High Court and subsequently to the Court of Appeal. This has truly been a “Comedy of Errors” and whilst the courts are not necessarily to blame in this instance, it brought a smile to my face to find that this most farcical of Shakespeare’s plays was first performed at Gray’s Inn in 1598. Apparently, according to this article on Suite101, Shakespeare took the opportunity to revise the play and added two trial scenes, which he knew would amuse the audience of legal students.

So we have a Phyrric Victory for Insurancewide and a victory without Ovatio

It can but be hoped that after 5 years of unnecessary conflict sense will now prevail and that the Commissioners will be persuaded by the refusal of the Judges at the Court of Appeal to recommend a referral to the ECJ to finally let the matter rest.

Regrettably such a decision, if it comes at all, will arrive too late for Insurancewide but it will at least allow Trader Media to get on with its business without a distraction that is both unnecessary and expensive. It would also permit the Insolvency Practitioners to proceed with the distribution of such assets that remain of Insurancewide amongst the Company’s creditors, which includes all of the staff.

It is wrong that tax authorities in this country should be allowed to waste tax payer’s money in such futile cases, especially where they are acting in direct contradiction of their own published guidelines. In other countries the tax authorities are not immune from legal action against them in such situations and if that were to be the case in the UK also then perhaps those responsible would go to greater lengths to ensure that they have a better understanding of the facts before embarking on needless and expensive legal procedures.

As it is, despite having been awarded costs in this case, it transpires that those costs are only recoverable in part and even a recovery of 50% (say) is not without close scrutiny and contest by the lawyers acting for the Commissioners. Also, whereas the basis for the recovery of costs at Tribunal is relatively liberal, in that, the advice of the Company’s accountants in this matter is a recoverable expense, when it comes to the higher Courts, recovery is restricted to those costs incurred in the provision of legal representation only.

Of course the true cost of this case is far more than the hundreds of thousands of pounds expended in fighting the legal battle.

Source: www.insiders-view.co.uk/hmrc-insurancewide-the-end/00974

If navigating the health insurance maze for humans feels confusing, just check out getting coverage for your pet.

Millions of Americans are increasingly buying health insurance for their furry friends. With shifting rules, tricky fine print and premiums creeping up, it pays to be finicky.

About 71.4 million American homes, about 62 percent, have a pet, according to the most recent survey by the American Pet Products Manufacturers Association. Last year, those pet owners spent $12.04 million in veterinary care and will spend an estimated $12.79 million this year.

Enter a thriving pet insurance industry. About a dozen companies offer coverage for pets in the United States. It’s a trend that’s already taken hold in Europe.

In the United Kingdom, about 20 percent of all pets are covered by health insurance. In the U.S. and Canada, statistics vary but generally hover around 3 percent and growing.

Companies sold roughly $248 million in pet insurance in 2007, according to Packaged Facts, a marketing analysis firm that looks at consumer industries. Their report, which will be updated later this year, said it expects the North American market to “turn in an increasingly strong showing,” with average annual increases from 25 percent to 35 percent, and sales potentially hitting $1.1 billion by 2012.

For consumers, though, the differences in policy cost and coverage can be confusing. Policies vary wildly, anywhere from $9.50 a month for an accident-only policy on a dog to $75 a month for a Cadillac-style plan.

When comparison shopping on insurance company Web sites, the rules aren’t always spelled out, so buyers should call to ask about exclusions and limits on payouts. For instance, a $35,000 coverage plan might be limited to only $10,000 on some ailments.

Just last week, California’s lawmakers pushed forward a bill requiring transparency in pet insurance coverage. The bill, which passed the State Assembly and is moving through the Senate, requires insurance company Web sites to clearly state benefit schedules, coverage limits and exclusions.

“Doing research for each individual animal and company is key,” said Dr. Janet Tobiassen Crosby, who writes a blog about veterinary issues. “Each case is very individual.”

Some policies exempt certain breeds or older dogs, or limit coverage for pre-existing or hereditary conditions, which many purebred animals have. Many also have maximum payouts per incident that skew the math. For instance, if there’s a $3,500 per incident maximum and your pooch faces a $4,000 hip replacement or a $10,000 cancer treatment, the out-of-pocket expenses in addition to the premiums might not be worth it.

Even for routine checkups, insurance doesn’t always add up. Consumer gurus like Atlanta’s Clark Howard recommend putting what you might pay for insurance premiums in a high-yield savings account to be used for pet health costs. Still, for those owners who would go to any length financially to save their pets, insurance might be the best bet.

“So much in veterinary medicine is ‘here’s what we’d like to do, and here’s what we can afford to 
do,’ ” said Dr. Duffy Jones, who owns Peachtree Hills Animal Hospital in Buckhead.

For many, a good savings account will do, he said. But for younger families and pet owners who aren’t typically savers, an insurance policy can mean the difference between losing their beloved animal and a few days recovery in a pet hospital.

“Where we have seen it be the most beneficial is with people with large breeds, like labs,” Jones said. “Typically, those dogs get into major problems in the first few years. They eat something they shouldn’t or go and run into traffic.”

One of his clients without insurance recently had to shell out roughly $4,400 for two surgeries just months apart because a 1-year-old Labrador ate socks on two separate occasions, an emergency that required Jones to take out sections of the dog’s intestine.

But Jones warns that some companies have coverage rules that sneak up and bite.

One client bought insurance for a young dog that needed shoulder work that was covered under the plan. About seven years later, the same dog had knee problems that needed surgery and the company denied the claim saying the policy’s orthopedic limit had been met for that dog.

“Knowing the company you’re using and what’s covered is important,” Jones said. “We had another company that said if you have an accident or issue this year, they consider it a pre-existing issue the next.”

Several companies have entered the U.S. market in the past five years: Embrace Pet Insurance, Fetch, Inc.; EnsuraPet; Trupanion; Pets Best; PetFirst and PetPartners.

At the same time, longtime companies have begun to push hard for more market share. Veterinary Pet Insurance, which has 60 percent of pet insurance written in the United States and Canada, is working with 1,600 companies to offer it as a voluntary employee benefit.

And many pet insurance companies are stepping up their market savvy by teaming up with established consumer brands – SecuriCan with Purina, Hartville with the ASPCA (American Society for the Prevention of Cruelty to Animals), PetPartners with the American Kennel Club, and PetFirst with Kroger.

At The Veterinary Clinic in Marietta, employees in June began receiving pet insurance benefits from Trupanion, said Jayne Hawkins, one of the clinic’s three owners.

Pet health insurance is basically liability insurance and is regulated by each state’s insurance department as property and casualty insurance, similar to coverage for cars and homes. Human medical insurance is subject to federal regulations. For consumers, that means making sure you ask if a company’s insurance products are “admitted,” which means they are guaranteed and approved by the state.

Pet insurance isn’t meant to cover everything, Hawkins cautions. Owners should know beforehand that they’ll need a chunk of change to spend on pet care.

“When someone is going to get a pet, they should have about $1,800 in disposable income a year, by the time you do food and veterinary business” such as vaccines and heartworm preventative medicine, she said.

“If you can spend that in a year on a pet, then you are going to have a well-cared-for pet. If you don’t have that additional, then you’re going to be skimping along.”

——————–

Other options

If pet insurance isn’t for you, here are some other options:

* Check to see if your veterinarian offers wellness packages, which give discounts on vaccines, spaying and neutering, and other services.
* Look into discount programs such as Pet Assure, which gives 25 percent savings on services with participating veterinarians and up to 50 percent off supplies with certain vendors.
* Help-a-pet is nonprofit that gives financial assistance to owners who can’t afford pet medical care. It helps physically and mentally challenged people, seniors and children of the working poor.
* Labrador Life Line Inc. helps owners or rescuers of Labrador retrievers who can’t afford their care.

Source: Veterinary Dr. Janet Tobiassen Crosby; About.com.

——————–

Calculate with care

If you are shopping for pet health insurance:

* Don’t just compare monthly or annual costs. Look at deductibles, co-pays and caps. Some plans limit payouts by incident, annually or by the animal’s lifetime.
* Read the fine print for exclusions such as pre-existing conditions, hereditary conditions and age.
* Ask about discounts for insuring multiple pets or whether your employer offers pet insurance as a voluntary benefit.

source: www.ajc.com/news/pet-coverage-has-insurance-547011.html