Are you a pet lover with multiple furry friends? If so, you know that providing for your pets can be expensive. Luckily, there is an option to help cover the cost of caring for your animals: pet insurance! In this article, we’ll explore how having more than one pet affects your potential savings and discounts when it comes to pet insurance. We’ll also offer some tips on how you can save even more money while still getting great coverage for all your four-legged family members.
As any animal lover knows, caring for our pets isn’t just a financial responsibility – it’s a moral obligation! Having good quality health coverage helps ensure that our beloved companions get the best medical care possible when they need it most. Pet insurance may seem like an added expense at first glance, but in fact, it offers many benefits that could save us both time and money in the long run.
For those who have multiple pets in their home or are considering adding another furry friend to their family soon, understanding how to make the most out of pet insurance can mean huge savings over time. Keep reading to learn about discounted rates available for multi-pet households and other tips on saving money through insurers.
Overview Of Pet Insurance Coverage
Do you have multiple pets that need to be insured? Luckily, pet insurance coverage has made it easier than ever for owners of multiple pets to protect their furry family members. Pet insurance plans can provide peace of mind and help cover the costs of medical bills in case your pet has an unexpected illness or injury. Plus, insuring multiple pets at once may result in discounts and savings on your pet’s policy! Let’s explore the wonderful world of pet insurance coverage and discover just how much it could benefit you and your beloved animal companions.
Pet insurance cost is determined by various factors such as breed, age, health history, location, type of coverage chosen, the annual deductible amount selected, and more. Prices range depending upon these variables, but there are ways to save money when insuring multiple pets – so keep reading to learn more about what discount options might be available to you! Without further ado, let’s dive into the advantages of insuring multiple pets…
Advantages Of Insuring Multiple Pets
Now that we’ve covered the basics of pet insurance coverage, let’s talk about why insuring multiple pets can be a smart move. Multi-pet discounts are one great reason to insure more than one animal at once: you get all the same benefits for each policy but with a reduced cost per pet. That means more protection for your furry friends and less financial strain on you.
Pet insurance savings don’t stop there, though! When you purchase policies for multiple animals, some companies may offer additional perks like waived deductibles or even free routine care visits during certain times of the year. This is an especially attractive feature if you have several cats or dogs since vet bills add up quickly when caring for multiple pets. It helps keep veterinary costs lower and gives you peace of mind knowing that your beloved companions will receive quality care without breaking the bank.
Overall, purchasing pet insurance for multiple pets is beneficial in many ways. Not only do multi-pet discounts help reduce premiums, but they also provide extra incentives like waived deductibles and complimentary checkups that make it easier to give your furry family members the best possible healthcare while staying within budget. With so much to gain from insuring more than one pet at once, it’s no wonder that this type of plan has become increasingly popular among pet owners.
Types of multi-pet discounts vary by provider, so it pays to shop around and compare policies before committing to any particular company. Doing research now could save time and money down the road – something every pet parent wants!
Types Of Multi-Pet Discounts
Do you ever feel like your four-legged friends are out to get you? Especially when it comes to the cost of pet insurance. Well, don’t worry! There’s hope for us yet – multi-pet discounts on pet insurance that can save you a ton of money in the long run.
Here are 4 types of multi-pet discounts available:
- Policy discount – You could be eligible for a policy discount if all pets insured under one policy belong to the same household and have similar coverage levels.
- Multi-policy discount – If multiple pets are covered by different policies, insurers may provide a discounted rate since they cover more than one animal at once.
- Joint owner/insured discount – When two or more people jointly own and insure their pets with the same provider, they could qualify for joint owner/insured discounts.
- Breeder’s Discount – Breeders often purchase several pet policies from one insurer so they can receive additional savings on each policy through breeders’ discounts.
So there you have it – plenty of ways to enjoy some serious savings on your furry family members’ pet insurance needs! No matter which type of multi-pet discount best suits your situation, it’s worth doing some research and shopping around to make sure you’re getting the most bang for your buck when it comes to protecting your beloved companions from harm (and high vet bills). Next up we’ll look into factors determining the cost of insurance—let’s dive in!
Factors Determining Cost Of Insurance
When it comes to pet insurance, the cost of your policy will depend on a variety of factors. Here’s an overview of what you need to consider when looking at premiums rates and deductible amounts:
|Pet Age/Breed||Each type of coverage – basic, accident-only, lifetime cover – has different costs associated with it. Your choice could impact the premium rate as well as deductibles.|
|Policy Type||Where you live can affect the number of premiums and deductibles for each plan. Similarly, any limits set in the policy (such as vet visit caps) impact overall cost.|
|Location & Plan Limits||Where you live can affect the number of premiums and deductibles for each plan. Similarly, any limits set in the policy (such as vet visit caps) impact the overall cost.|
These are just some of the main considerations when shopping around for pet insurance policies. You should also look into additional benefits like wellness care that come attached to many plans; these add value but won’t necessarily change your total premium rate or deductible amount much. Researching each option thoroughly is key so that you get the best deal possible while still providing quality protection for your furry friends! With this knowledge, you can make an informed decision about which policy works best for both your and your pets’ needs – no matter how big or small they might be!
What Is Covered In A Policy?
Now that we’ve gone over the factors determining the cost of pet insurance, let’s dive into what is covered in a policy. Pet owners need to know what expenses and types of coverage are included with their plan so they can make an informed decision when shopping for pet insurance.
The first thing you should look at is what kinds of medical expenses your pet’s policy covers. Most plans cover routine check-ups, vaccinations, flea/tick prevention, heartworm tests and treatments, spay or neuter surgeries, dental care such as cleanings, x-rays, extractions, medications, and more. Some policies even offer alternative therapies, such as acupuncture or chiropractic care for dogs and cats. It’s important to read through all your options carefully before selecting one because there may be limitations on some items; for example, many companies limit coverage on certain breeds or pre-existing conditions.
You’ll also want to keep an eye out for coverage limits on different aspects of your policy benefits too. Policies usually come with annual maximums, which will determine how much the company pays out each year towards veterinary bills; these vary widely depending on the type of plan you choose and other factors like age or breed restrictions. Additionally, some policies have per-incident caps meaning they won’t pay more than a certain amount per claim regardless of how expensive it gets (e.g., $5K). Knowing both kinds of limits helps you select the right policy for your needs – if you’re expecting major vet bills this year, then don’t go with a lower cap option!
It’s also wise to find out if any non-medical related costs are covered by your policy, such as boarding fees if you need to leave town suddenly or advertising rewards should your dog get lost – not all providers include this, but it could save you a lot in unexpected circumstances! With all these details taken into account, it’ll be easier to pick the perfect pet insurance plan for multiple pets – now that we understand what is covered in a policy, let’s move on to discussing what isn’t…
What Is Not Covered?
It’s important to understand what pet insurance will not cover so you know exactly how much coverage and protection your policy provides. Here are some of the most common exclusions:
- Pre-existing conditions: Insurance companies generally won’t provide coverage for any medical condition that has been diagnosed before enrolling in a plan.
- Hereditary or congenital conditions: These types of issues are typically excluded from policies because they tend to be ongoing and can require substantial treatment over time.
- Routine care: Most plans don’t cover preventative treatments such as vaccinations, checkups, and routine teeth cleanings.
- Behavioral problems: Issues like separation anxiety and aggression usually aren’t covered by pet insurance policies.
- Cosmetic procedures: Procedures designed solely for aesthetic reasons, such as tail docking or ear cropping, aren’t covered either.
These limitations are all standard across most pet insurance providers; however, it’s always wise to read through the plan details carefully before signing up. That way, you can make sure you have an appropriate level of coverage for your beloved pets without paying too much out of pocket if something unexpected happens down the road. Now that we’ve discussed what isn’t covered under pet insurance policies, let’s look at how to choose the right plan.
How To Choose The Right Plan
Choosing the right pet insurance plan for your multiple pets can be a daunting task. It pays to do some research and take your time in order to make sure you are getting the best coverage possible at an affordable price. To get started, here are some tips that will help ensure you’re on the right track when it comes to multi-pet insurance.
First, consider what type of coverage is important for each of your pets; this may vary depending on their age, breed, lifestyle, and other factors. Look into policies that offer discounts or savings plans specifically designed for multi-pet households. Also, ask about any special incentives offered by providers when signing up multiple pets at once, such as free visits to the vet or discounted rates on vaccinations.
Next, compare different companies’ offerings side-by-side before committing to one policy. Ensure that all the necessary services are covered and determine if there is a cap on how much money can be spent per year or month for medical bills associated with each pet. Additionally, find out if there are any restrictions regarding pre-existing conditions or hereditary illnesses – these should be taken into account when selecting a provider as well.
Finally, look beyond just cost when making your decision – focus instead on finding quality care from a reputable company that has years of experience in providing pet insurance plans for customers with multiple animals. Consider customer reviews and ratings as well as industry awards and accolades given to those providers with superior service levels before comparison shopping for the best price available. With enough information gathered beforehand, you’ll have peace of mind knowing that you chose the perfect plan for your furry friends! The time now to move on to comparing prices between providers so you can save even more money on pet insurance premiums while ensuring excellent protection against unexpected costs down the road.
Comparison Shopping For Best Price
When it comes to shopping for pet insurance, comparison shopping is key. Doing research on the available plans and their features will help you find the best coverage at an affordable price. Here’s a quick guide with some tips on how to comparison shop so that you can save money when insuring your multiple pets:
|Pet Insurance Plan||Multi-Pet Discount|
|Company Choice A||10% off second pet, 15% off third|
|Company Choice B||20% off all additional pets|
|Company Choice C||25% off two or more cats /dogs|
|Company Choice D||50% discount for second dog/cat over 8 weeks old|
Comparing different companies and their rates can be daunting, but there are several ways to ensure you get the most bang for your buck. One way is to use online tools like PetInsuranceQuotes.com, which allow you to compare prices from multiple providers in one place. Additionally, many insurers offer discounts if you insure multiple pets with them, such as multi-pet discounts of up to 50%. Be sure to check each policy for this benefit before signing up!
Shopping around for pet insurance might take some time upfront, but in the end, it can save you lots of money in veterinary costs down the road. Plus, having peace of mind knowing that your furry family members are covered should something happen is priceless.
Saving Money On Veterinary Care
Did you know that the average pet owner spends over $1,000 annually on veterinary care? With this in mind, it’s important to consider ways to save money when it comes to your pets’ health. One great way is to look into getting pet insurance for multiple pets. By taking out a policy designed specifically for those who own more than one animal, you can enjoy discounts and savings tips that could lower your vet bills significantly.
When looking at different plans, make sure to read up on any exclusions or limitations so you understand what will be covered by the policy and what won’t. Keep an eye out for features like accident and illness coverage as well as routine check-ups, which may be included in some policies. Additionally, ask about special offers such as multi-pet discounts so you can get even more bang for your buck!
Finally, don’t forget about tax implications and considerations when purchasing pet insurance for multiple pets too. Knowing how much of the cost is deductible from taxes can help you decide if investing in a plan makes financial sense.
Tax Implications And Considerations
When it comes to pet insurance for multiple pets, there are certain tax implications and considerations that need to be taken into account. Pet owners must understand the rules of deducting medical costs related to their furry friends in order to make sure they save money on veterinary care.
First, pet owners should understand if their current pet health plan qualifies as a deductible expense. Generally, only medically necessary treatments are eligible for the deduction, such as vaccinations or surgery for illnesses or injuries. Cosmetic procedures such as teeth cleaning may not qualify unless recommended by a veterinarian.
Second, pet owners with multiple pets should consider how much coverage is needed per animal. In some cases, it may be more economical to purchase separate policies rather than one comprehensive policy that covers all family members’ animals. This can help keep premiums low while ensuring each pet has adequate coverage.
Third, when looking into pet insurance plans, it’s important to pay attention to any hidden taxes or fees associated with the policy. Some plans may have additional surcharges that could add up over time, so it pays off to read through the fine print carefully before signing anything! It’s also helpful to research alternatives like full-coverage plans versus those offering limited benefits, which might provide greater savings overall. With these tips in mind, finding affordable pet insurance for multiple pets doesn’t have to be an overwhelming task. Now let’s move on to exploring alternatives to full coverage plans…
Alternatives To Full Coverage Plans
As pet owners, we all want the best for our furry friends. But sometimes, full-coverage pet insurance plans don’t fit into our budgets. Fortunately, there are alternatives to help you provide your pets with the care they need without breaking the bank.
One such alternative is a Pet Wellness Plan or PWP. This type of plan covers routine veterinary services such as checkups and vaccinations at discounted rates. The monthly fee can be considerably lower than traditional pet insurance premiums but still provides peace of mind that routine care won’t break the budget. Plus, it can often be customized to suit your particular needs and those of your pet’s lifestyle.
Another option is a Pet Health Savings Account (PHSA). This account allows tax-free dollars to be saved specifically for pet health expenses, including vet bills and medications. As long as withdrawals are made only for qualified medical costs, no taxes will be due on any funds withdrawn from the PHSA. Setting aside money into one of these accounts each month helps ensure that unexpected veterinary bills won’t wipe out savings or other financial resources when an emergency arises.
Finally, establishing a dedicated “pet emergency fund” may also make sense if you’re unable to afford either a PWP or PHSA but still want protection against large veterinary bills related to illness or injury in case of an emergency situation like getting hit by a car or ingesting poison accidentally. Putting away small amounts now could save significant stress later if faced with costly treatments down the road.
No matter what strategy you choose – whether it’s full coverage pet insurance or something else entirely – taking steps now to prepare financially for potential medical bills associated with caring for our beloved four-legged family members can go a long way towards ensuring their continued good health and well-being over time! With that said, let’s move on to how to file claims with various providers…
How To File A Claim
Filing a pet insurance claim can seem daunting, but it doesn’t have to be. Follow these steps and tips for a smooth filing process.
When you’re ready to file your claim, the first thing you need is all of your paperwork. Gather any receipts or bills related to your pet’s illness or injury that you want reimbursement for. You’ll also need information about what kind of care was received and what treatments were done. Make sure everything is up-to-date before submitting it to your insurer.
Keep in mind that some insurers require an itemized receipt for every visit or procedure when filing a pet insurance claim. If this applies to you, make sure each one includes detailed information about the services performed as well as any medications prescribed or administered by a vet during the appointment. This will help speed up processing time so you can get reimbursed quickly.
Once you have all of your documentation together, submit it directly to the company via their website or mobile app if they offer one. Otherwise, mail them in with the appropriate forms provided by the insurance provider and wait for confirmation that your claim has been accepted and processed successfully–usually within two weeks after submission depending on how complex it is. Now let’s explore commonly asked questions about pet insurance!
Commonly Asked Questions About Pet Insurance
Now that you understand how to file a claim, let’s take a look at some of the most common questions asked about pet insurance. Pet owners often wonder what kind of coverage they can expect from their policy, as well as the cost associated with it. It is important to compare different policies and determine which one best fits your needs and budget.
When considering pet insurance, ask yourself these questions: Does my plan cover preventive care? Is there coverage for hereditary or congenital conditions? Are physicals and immunizations covered? What type of accident or illness will be covered by my policy? Will I have any out-of-pocket expenses if I need to make a claim? How much does the deductible cost for each claim?
The answers to all these questions vary depending on the specific plan you choose. Be sure to read through your policy carefully so you know exactly what is covered and what isn’t before making a decision. Knowing this information ahead of time will help ensure that you don’t experience any unexpected costs down the line when filing claims. So now that we’ve answered some commonly asked questions about pet insurance, let’s move on to critical illness and accident coverage next!
Critical Illness And Accident Coverage
It’s like the old saying, “An ounce of prevention is worth a pound of cure,” – and when it comes to pet insurance for multiple pets, that adage holds true. With critical illness coverage and accident coverage, you can prepare yourself (and your wallet!) against unexpected medical costs in the event of an emergency.
|Critical Illness||Diagnosis & treatment covered up to policy limits|
|Accident||Emergency care including surgeries or treatments due to accidents covered up to policy limits|
Having this type of protection doesn’t just give you peace of mind; it also helps ensure that your furry friends receive the best possible care if ever faced with a serious injury or chronic condition. Plus, some policies even offer discounts and savings tips if you insure multiple pets at once.
Taking the time now to secure the right amount of pet insurance for multiple pets could be one of the most important decisions you make as a responsible pet owner. Without it, you may find yourself unable to pay thousands in vet bills should something happen unexpectedly. Protecting your beloved companions has never been easier!
Preparing For Unexpected Expenses
When it comes to pet insurance, it’s important to prepare for unexpected expenses. If you’re the owner of multiple pets, this is especially true as a single emergency can quickly become costly. Here are some tips on how to be financially prepared:
- Have an emergency fund set aside specifically for your pets. This will help cover costs if one or more of them require emergency care.
- Consider adding optional coverage, such as accident and illness riders, to your existing pet insurance policy. These typically offer additional benefits beyond what’s included in basic plans.
- Look into discounts offered by independent providers that may not appear on standard policies issued by major insurers.
- Shop around for the best rates so that you get the most value out of every dollar spent on premiums.
By being proactive about financial planning, you’ll have greater peace of mind knowing that no matter how many furry friends you bring home, you can always provide them with quality care when they need it most.
Frequently Asked Questions
What Is The Average Cost Of Pet Insurance For Multiple Pets?
Do you own multiple pets and are considering pet insurance? You’re not alone – many people understand the importance of investing in a quality health plan for their furry friends. But what is the average cost associated with insuring your animals? Let’s explore this important question.
When it comes to pet insurance costs, there isn’t a single answer – as multiple factors come into play when determining how much you may need to pay. For example, the type of animal you have will affect the fees associated with coverage. Smaller breeds typically require less money than larger ones; however, age can also be a factor in premium charges. Older dogs often cost more than younger ones due to an increased risk of developing medical issues over time. Additionally, most policies involve deductibles which can range from $50-$1000 depending on your provider and plan.
In general terms, though, the average cost of pet insurance for multiple pets ranges anywhere from $30-$100 per month per animal, depending on breed and coverage levels selected by owners. While this may seem like a lot initially, consider that the peace of mind gained from knowing that your four-legged family members are well-protected is priceless! Plus, discounts or savings tips, such as looking for multi-pet packages or annual payment options, could help make those premiums even lower.
At the end of the day, having some form of pet insurance is always beneficial – especially if you have numerous four-legged companions at home who depend on you for care. The best way to protect them (and yourself) is by doing research to find out about available plans so that you can determine which option works best for both parties involved!
Is There A Limit To The Number Of Pets I Can Insure?
When it comes to pet insurance for multiple pets, one of the questions that often comes up is whether there’s a limit on how many pets can be insured. The answer to this question depends on which pet insurance provider you choose.
Most providers will allow you to insure multiple pets under the same policy as long as they are all owned by the same person and living in the same household. However, each individual pet must have its own separate policy and may not be combined with another pet’s coverage in order to reduce costs.
If you’re looking for discounts or savings when insuring more than one pet, some insurers offer multi-pet discounts if two or more policies are purchased at once. Additionally, many companies offer additional discounts based on the age of your pet(s) and/or their breed type – so make sure to take advantage of these offers whenever possible! Here are five tips for getting the best deals on pet insurance for multiple pets:
- Compare quotes from different providers before making a decision
- Ask about any special discounts or loyalty programs offered by the insurer.
- Consider enrolling in an annual plan instead of a monthly payment plan
- Look into additional add-on options, such as preventive care coverage.
- Make sure your chosen provider covers all necessary treatments required by your pets
By following these tips, you should be able to find an affordable and comprehensive solution that provides adequate protection against unexpected vet bills while still providing excellent value for money.
Are There Any Age Restrictions For Getting Pet Insurance?
Do you have more than one pet and are wondering if there are age restrictions for getting pet insurance? Knowing the answer to this question can help you save money on your pets’ healthcare costs. Understanding how pet insurance works, along with its eligibility requirements, is an important part of making sure that all of your furry friends are covered adequately. Here’s what you need to know about pet insurance age limits and restrictions:
The first thing to understand when it comes to pet insurance age limits is that not all policies are created equal. Each policy will have different criteria regarding the ages of pets they will insure, so make sure that you do thorough research into each company before committing to a plan. Generally speaking, most companies require that cats or dogs be at least 6 weeks old in order to qualify for coverage. Additionally, some plans may stop offering coverage once a specific age has been reached – usually around 8-10 years old for cats or 10-12 years old for dogs.
In addition to knowing the minimum and maximum ages required by specific insurers, here’s a brief overview of other factors which could affect your pet’s eligibility:
- Breed – Certain breeds may not be eligible due to health risks associated with them
- Pre-existing conditions – Pets with pre-existing medical issues might not be able to get coverage
- Vaccinations – Your pet must have received its core vaccinations prior to enrolling in a plan.
- Spaying/Neutering – Many plans require that animals be spayed/neutered before joining
Getting acquainted with these various aspects should give you a better idea of whether or not there are any age restrictions when it comes time to getting pet insurance. It’s also worth noting that even if your furry friend isn’t eligible for traditional coverage through an insurer, many organizations offer low-cost alternatives, such as wellness programs that provide basic preventive care services without requiring enrollment in an expensive comprehensive plan. Taking advantage of these types of programs can still help lower veterinary bills while providing peace of mind concerning your beloved animals’ health and well-being.
No matter how young or old your pet happens to be, understanding the ins and outs of pet insurance eligibility is essential when searching for the best possible coverage option available. Doing proper research ahead of time can ensure that all members of your family receive optimal care throughout their lives!
Are Pre-Existing Conditions Covered By Pet Insurance?
When it comes to pet insurance, pre-existing conditions are a common concern. Knowing if your pet’s existing health issues will be covered can help you determine the best policy for them. Fortunately, most reputable pet insurers offer coverage of pre-existing conditions as part of their policies.
If you’re looking into pet insurance and want to know whether pre-existing conditions are included in the coverage, there are a few things to consider. First, each company has different levels of coverage available, and some may not cover any pre-existing conditions at all. It is important to read through the fine print carefully so that you understand exactly what is covered by the policy you choose.
It’s also wise to discuss with your veterinarian before selecting an insurer because they will likely have experience dealing with different companies’ policies and can provide insight on which one might be best suited for your pet’s needs. Additionally, many vets have affiliations with certain insurers who may offer discounts or other incentives when signing up through them. Asking about these options could potentially save money on premiums while still getting the right level of care for your furry friend.
At the end of the day, understanding how pre-existing conditions fit into the larger picture of pet insurance helps owners make more informed decisions when it comes to finding a plan that works best for both their pets and budget requirements. Whether you decide to go with an independent provider or select one from your vet’s list of recommended companies, taking time to research what’s out, there is essential in making sure your four-legged family member receives proper protection without breaking the bank in premium payments.
Is There A Waiting Period Before Coverage Begins?
When considering pet insurance, one of the most common questions asked is: Is there a waiting period before coverage begins? It’s natural to want to make sure that your beloved pet will be taken care of in case of an illness or injury.
Like any other type of insurance policy, pet insurance usually has a waiting period before coverage takes effect. During this time, you won’t receive reimbursement for medical expenses related to illnesses or injuries sustained by your pet. To help you understand what this means and how it works, here are some tips about pet insurance waiting periods:
- What is a Waiting Period?
- A waiting period is the amount of time between when a policy starts and when it goes into effect.
- During this period, no benefits are payable, and claims cannot be made on the policy until after the specified wait timeframe has passed. This can vary from insurer to insurer but typically ranges from 7-21 days, depending on the type of coverage purchased.
- How Does the Waiting Period Affect Pet Insurance Coverage?
- The waiting period applies only to pre-existing conditions; if your pet experiences something new during the waiting period (such as an acute illness or injury), then they may still be eligible for reimbursement under their policy once approved by the insurer.
- However, any recurring treatments that were present prior to taking out the insurance (or had already been diagnosed) will not be covered until after the designated waiting period ends – regardless of whether treatment was started beforehand or afterward.
Though having a waiting period might seem like an inconvenience at first glance, it’s important to remember that these policies exist so insurers can ensure they don’t pay out large sums for existing conditions that could have been avoided with preventative care prior to taking out cover. Ultimately, having peace of mind knowing your furry friend will be cared for should anything happen is worth more than any potential savings from skipping out on a few weeks’ coverages!
Pet insurance for multiple pets can be a great way to save money on veterinary costs. When considering pet insurance, it’s important to remember that the cost of insuring your four-legged friends will vary depending on their breeds and ages. But with some research and savvy shopping, you may find discounts or savings tips that make it easier to insure multiple pets – such as bundling policies or taking advantage of loyalty programs.
When I got my two rescue cats last year, I was overwhelmed at the prospect of paying for all their medical needs out of pocket. So, I did my homework and found an insurer who offered a 10% discount if I insured both cats together. It made a big difference in what we paid each month, allowing us to get them the care they needed without breaking the bank.
At the end of the day, pet insurance can provide peace of mind for pet owners everywhere. With careful consideration of prices, coverage options, and eligibility requirements, you can make sure your furry family members are taken care of no matter what comes up down the road!