American Veterinarians' Insurance Services, Inc.

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Medical

The importance of health insurance cannot be understated. At a time when medical costs continue to rise, it is more important than ever to make sure you are covered. The increasing costs have lead to innovative new products designed to help control costs but these new products can often times be complicated to understand. It is our promise to review all of the options and make sure we find the best plan that meets your needs.

Dental

A relatively low cost insurance product designed to help offset the high costs of dental care. When choosing a dental plan the most important feature is determining how the plan pays out of network benefits. More and more dentists are pulling away from network contracts. Getting stuck with a plan that does not pay well out of network can result in higher than expected out of pocket expenses.

Vision

A very affordable insurance product that can usually be added for less than $9 a month. Vision insurance is an important product even for those who do not wear glasses as many other health concerns can be diagnosed from a simple vision exam such as diabetes, tumors and high blood pressure to name a few. For those who do wear glasses or contacts the insurance pays for itself as long as you get your annual exam each year and you come out ahead if you use it to purchases glasses or contacts.

Life

An unexpected loss of income to a family or business due to death can be devastating. It is important when reviewing life insurance that you work with an advisor that will help you not only calculate your needs but who will also explore all of the various options available to you. As life expectancy continues to increase the cost of life insurance is the one insurance product that has statistically become cheaper. It is important to review your life insurance periodically to insure you have the best products and price available for you.

Disability

Often overlooked disability insurance is just as important as life insurance as it insures your ability to continue to earn an income. As a professional it is essential that the disability insurance you purchase covers what you work so hard to obtain, your veterinary degree. Statistics show a disabling accident occurs every second in the US.

Long Term Care

Planning ahead for future living expenses is important. Long Term Care insurance goes beyond standard hospitalization and nursing care. Product advancements now allow you to meet multiple needs by combining long term care and life insurance needs into one product.

Workers Compensation

Reviewing this product at least every two years is essential to making sure your needs are met. It is just as important that you work with an agent that will review the entire market to make sure you have access to the most competitive offers available.

Business Liability

Insurance that protects your business assets in the event of a claim. This is another insurance product that is recommended to be reviewed every two years. Because of the exposure veterinary clinics have working with the public, it is increasingly important to maintain adequate coverage for their business.