Top 5 Questions to Ask When Buying Pet Heath Insurance

As a rule of thumb it is important to ask questions about anything especially before you decide top buy something. Asking questions can prevent problems down the road and save you money. This is especially true with insurance policies for yourself or even your pets.

Cheap pet health insurance is a trend that is growing most interest from pet owners. Why? It is simple because with the advances in veterinary medicine and treatments available to pets, the cost of this care increases. Procedures and medicines once reserved for only humans have found their way into the veterinary world.

If you are looking to insure your pet (I highly suggest you do), you need to ask a few simple questions to make sure you know what you are getting in your pet health insurance policy.

1. Do I want a discount or comprehensive pet health insurance plan?
A discount plan is more of a savings plan on your veterinary expenses. You will apply for a membership and get a discount card and present the card to the vet prior to your pets visit and you get services at a discounted rate. This is a good deal because these savings plan typically cost around $100 a year.

If you want a comprehensive cheap pet health insurance plan, this plan is more like a normal health insurance policy. You will select from different plans available for your pet and pay a monthly premium. If you pet needs emergency surgery, you will most likely cover the deductible and the insurance company will cover the rest.

2. Will I be able to use my current veterinarian?
This is important because you will have probably taken your pet to the same veterinarian for years. You don’t want a pet heath insurance policy that is going to limit you to certain veterinarians. What if they only one you can choose from is located 50 miles away and you regular one is just down the street? Make sure you ask this question. In most cases, you will be able to use your regular vet.

3. Are routine visits covered?
This is a good question to ask because the answer could depend on which insurance company you are dealing with. Some insurance companies will cover routine visits, or wellness care. The one thing to look at is the cost of the premiums. I can tell you that to cover routine care your are going to pay a higher premium that just for accident only coverages [http://www.section44reviews.com/pet-insurance] in your cheap pet health insurance plan.

4. What is my deductible going to be?
If you can find a cheap pet health insurance policy without a deductible – GREAT! You are more than likely going to have to pay a deductible (a portion of the treatment cost you are responsible for). Deductibles can range from $50 – $75 – $100 – $200. You want to make sure you know what you are going to be responsible for when you pet needs a treatment so there are no surprises.

5. What type of insurance is best for my pets?
This is entirely up to you. Before buying any cheap pet health insurance policy, you need to TRUST the company you are going to do business with. Ask yourself these questions. Do they have a good reputation? How is there customer service? Do you know of anyone else that uses them? These are just a few things to think about before buying a pet health insurance policy.

The AM Best Rating – A Consumer’s Indispensable Tool

In this time of economic upheaval, consumers are searching for footholds to aid them in scaling the mountainous terrain of choosing insurance products. An AM Best rating is one tool that trendy consumers are using to guide their decisions.

What is an AM Best rating? It is an independent, third party evaluation of a company’s financial strength based upon qualitative data (or data that describes the characteristics of an organization) as well as quantitative data (measurable and verifiable data based on statistical analysis). It includes a thorough evaluation of an organization’s balance sheet strength, operating performance and business profile. Why is that important to the consumer? It is a strong indicator of the insurance company’s ability to meet its financial obligations to its policyholders. An insurance policy is only beneficial if the company is able to pay claims after a loss.

Founded in 1899, the AM Best Co had as its mission “To perform a constructive and objective role in serving the insurance marketplace as a source of reliable information and ratings dedicated to encouraging a financially strong industry through the prevention and detection of insurer insolvency” (2008 Best’s Insurance Reports). Since that time, AM Best ratings have been the benchmark worldwide for assessing insurers’ financial strength. In this article, we will examine the two primary components of the AM Best rating for consumers: the financial strength rating and the financial outlook score.

AM Best evaluates insurance companies according to financial strength and performance much like our educational institutions grade students. These ratings range from
A ++ to F and indicate to the consumer if a company is a prudent choice to handle his/her insurance business. Following is a breakdown of ratings:

A ++ and A+ Superior
A and A- Excellent
B++ and B+ Good
B and B- Fair
C ++ and C+ Marginal
D Poor
E Under regulatory supervision
F In liquidation

Since the rating is one predictor of a company’s ability to handle financial obligations to its policyholders, the higher the ranking, the greater the ability to sustain financial commitment during adverse changes. I don’t know about you, but when I have a loss, I want excellent or superior chances that my insurance company can pay me to cover it.

A second component to understand is the company’s financial outlook. AM Best uses three criterion to gauge a company’s financial outlook.

1. Positive. This indicates that the current rating may be upgraded in the future.
2. Negative. This indicates that the current rating may be downgraded in the future.
3. Stable. This indicates that at this time it is unlikely that the rating will change in the future.

5 Tips To Help You Keep Your Conveyor Chains Operational

Conveyor chains are used to drive different types of conveyor units and use different types of power transmission. If you want to get the most out of your equipment, make sure you maintain them. This is even more important if they are installed in the mining and construction industry. Given below are a few tips that can help you ensure your conveyor chains will continue to work properly.

1. Follow the Maintenance Schedule

First of all, you may want to inspect and service them to ensure proper alignment, lubrication and tension. If inspected on a regular basis, they can last up to 15,000 hours. It’s better if you schedule filter and oil changes every 3 months. On the other hand, the cleaning of bigger parts, such as shafts, machine lubrication and replacement of damaged or worn sprockets and sideplats should be done on an annual basis.

Following the maintenance schedule is paramount, especially if you have installed the conveyor chains in the construction and mining industry.

2. Lubricate Wisely

For smooth operation, conveyor drives and chains should be free of moisture and dust. Most of these systems require petroleum-based oil. It’s not a good idea to opt for heavy greases and heavy oils. The reason is that they are overly stiff and can’t lubricate the system properly. Given below are some common ways of lubricating the conveyor chains. Some of them are listed below:

Stream lubrication
Disk lubrication
Drip lubrication
Manual lubrication

Based on the power and chain speed, the right method can be used. For reducing wear and tear and enjoying all the benefits, it’s important that you lubricate the system properly.

3. Get Heat-Treated Parts

Heat treatment can be used to improve the mechanical components. Therefore, manufacturers control the treatment methods for best results. In other words, to reduce wear and tear, it’s important to perform proper heat treatment.

Case hardness and depth are the two primary parts of component heat transfer. This plays a great role as far as resistance and durability is concerned. If the depth is too much, the parts may break while working due to brittleness.

4. Make sure there is Proper Alignment and Tension

Make sure you check the slack span and chain tension, and perform the required maintenance. If you need to reduce the tension, you can eliminate two pitches and then connect the chain again. However, you may need to replace the entire chain if the wear and tear goes beyond the functional limits.

Also, you may not want to connect new chains to the worn one as it can damage the drive. Misaligned sprockets can also cause the link plates of the roller chain to get a lot of wear and tear.

5. Check the Primary Parts

Typically, conveyor chains have two main parts that go through wear and tear: sprockets and chain. Chain stretching happens due to this very reason and results in the complete replacement of the sprockets and chain.

Therefore, you should inspect conveyor chains for any broken parts, deformation and cracks.

In short, these are the tips you can follow to maintain your roller chains.