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Why pet insurance could be a great gift this holiday season
Pet insurance can be a great way to reduce the rising costs of pet care. This specialized insurance type can cover dogs, cats and some exotic animals. Veterinarian visits, medications and even some surgical procedures can be covered with a pet insurance plan. And it can be done at a reasonable price point, depending on the health and breed of the animal in question. This allows pet owners to keep more of their money while also providing peace of mind by knowing that they’ll be protected during emergencies or accidents.
And, during this time of year, it can also be a smart gift to give the dog or cat owner in your life (premiums can be paid in advance for the year or every month). Below, we’ll break down three reasons why pet insurance could be a great gift this holiday season.
Not sure if pet insurance will be worth buying? Get a free price quote first here, now.
Why pet insurance could be a great gift this holiday season
Here are three reasons why a pet insurance policy may be worth buying for a family member or friend this year:
The price is reasonable
Accident and illness policies range from $383 annually for cats to $676 annually for dogs, according to the North American Pet Health Insurance Association (NAPHIA). That’s less than $60 a month for a policy that can easily save pet owners thousands of dollars that they otherwise would have had to pay on their own. And prices may be even lower than those averages, depending on the health of the pet, the age at which a policy was applied for, and the specific breed of the cat or dog. Like all insurance types, however, it’s critical to shop around to see which providers are offering the most cost-effective care – and which ones just seem to be.
Start shopping for pet insurance online today.
Waiting could cause prices to rise
If you wait to buy pet insurance next year or even during the 2025 holiday season, that could be a costly mistake. Pet insurance providers reward owners who act early with lower premiums and greater coverage options to choose from. Waiting for the pet to age and, thus, increase the likelihood of health issues, will come at a potentially expensive cost. And if the dog or cat develops pre-existing medical conditions before applying, they could risk being denied coverage in full. Securing a policy now, then, prevents these scenarios from becoming a reality.
The timing makes sense
Ahead of the colder, winter months in which dogs may be injured due to icy conditions and snowy weather, a pet insurance policy makes sense to secure now. With issues like frostbite, sprains and fractures due to slips, falls and more, locking in coverage today could be smart for when it may be needed in January or February. But it makes sense to apply for a plan now. There’s a waiting period of a few weeks (on average) between the time an application is approved and the time owners can access it. Being proactive, when coverage isn’t needed, could help owners complete this waiting period more easily than if they had applied post-injury.
The bottom line
A pet insurance policy for the pet owners in your life may not have been the first thing you thought of when compiling your holiday shopping list. But that doesn’t mean it can’t still be a thoughtful, inexpensive and valuable gift, either. By acting now you can potentially pay less for more coverage ahead of a time of year when many pet owners need additional medical protection. So start shopping for providers and policies now to learn more about this exciting gift opportunity.
CBS News
Ex-Sen. Bob Menendez seeks new trial, citing evidence prosecutors said was inadvertently provided to jury
Washington — Former New Jersey Sen. Bob Menendez asked a federal court in New York on Wednesday to throw out his conviction in a sprawling bribery scheme and grant him a new trial after prosecutors disclosed that the jury was inadvertently provided information during deliberations that it should not have been given.
The request from Menendez’s lawyers came in response to a letter prosecutors sent to the court on Nov. 13 revealing they had unintentionally loaded onto a laptop given to the jury during deliberations the incorrect versions of nine exhibits. Prosecutors said neither they nor Menendez’s lawyers, who inspected the exhibits on the laptop, noticed the error at the time.
Government lawyers told U.S. District Judge Sidney Stein that they did not believe the inclusion of the nine exhibits warranted upsetting Menendez’s guilty verdict, in part because “there is no reasonable likelihood any juror ever saw any of the erroneously less-redacted versions.” But Menendez’s lawyers told Stein in a separate filing that the improper disclosure was a “serious breach” by prosecutors and said a new trial was “unavoidable.”
The exhibits, they said, “exposed the jury to a theory of criminality that the government was barred from presenting under the Speech or Debate Clause — namely, that Senator Menendez made specific decisions with respect to military sales to Egypt in exchange for bribes.”
Under the Speech or Debate Clause of the Constitution, senators or House members “shall not be questioned” for “any speech or debate” in either chamber of Congress. Stein had ruled that certain material referencing arms sales and military aid to Egypt were legislative acts shielded by the clause.
Menendez’s defense team said the information disclosed to the jury contained the only evidence that tied him to the provision of military aid to Egypt, which was at the center of the bribery scheme the New Jersey Democrat was accused of engaging in.
They also lambasted prosecutors for attempting to “shift the blame,” calling it “factually and legally outrageous.”
Prosecutors said the court had “expressly prohibited” evidence of past legislative activity, including actions Menendez allegedly took as a senator about foreign aid to Egypt, and said the evidence at issue “squarely crossed that line … and allowed the jury to infer bribery from Senator Menendez’s legislative acts — exactly what the Speech or Debate Clause is meant to prevent.”
Prosecutors claimed that Menendez helped orchestrate a corrupt agreement through which he would work to secretly benefit the Egyptian government in exchange for lavish gifts including cash, gold bars, a Mercedes-Benz convertible, furniture and mortgage payments from three New Jersey businessmen.
He was convicted on 16 felony counts in July, including bribery, fraud and acting as a foreign agent.
Menendez’s two co-defendants in the case, Fred Daibes and Wael Hana, also separately asked the court to grant them new trials and toss out their convictions.
Menendez faced immense pressure to resign after he was indicted on federal bribery charges last year but resisted doing so until he was convicted. He stepped down from the Senate in August, a stunning capstone to a lengthy career in the upper chamber that included a position atop the Senate Foreign Relations Committee.
The former senator is set to be sentenced Jan. 29.
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