When Should You Get Pet Insurance: A Comprehensive Guide

Pet insurance is a vital safety net for your furry friend’s health, and understanding when to enroll can make all the difference. This guide from PETS.EDU.VN helps you navigate the complexities of pet insurance, ensuring your beloved companion receives the best possible care without breaking the bank. With the right plan, you can rest easy knowing your pet’s health is protected, and your finances are secure.

1. Understanding Pet Insurance and Its Importance

Pet insurance acts as a health insurance policy for your beloved animal companions. Much like human health insurance, it helps cover the costs of veterinary care, which can include everything from routine check-ups and vaccinations to emergency treatments and surgeries. The need for pet insurance arises from the fact that veterinary care can be surprisingly expensive. A sudden illness or accident can lead to bills that quickly climb into the thousands of dollars, placing a significant financial strain on pet owners.

Financial Protection: Pet insurance alleviates the financial burden of unexpected veterinary costs, allowing you to focus on your pet’s health rather than worrying about the expense.
Access to Quality Care: With insurance, you’re more likely to seek prompt and comprehensive care for your pet, ensuring they receive the best possible treatment.
Peace of Mind: Knowing that you have a financial safety net in place provides peace of mind, allowing you to enjoy your time with your pet without the constant worry of potential vet bills.

1.1. Factors Contributing to High Veterinary Costs

Several factors contribute to the high cost of veterinary care:

Advanced Medical Technology: Veterinary medicine has advanced significantly, with access to sophisticated diagnostic tools and treatments that were once unavailable.
Specialized Care: Veterinary specialists, such as surgeons and oncologists, command higher fees due to their advanced training and expertise.
Medication Costs: The cost of prescription medications for pets can be substantial, particularly for chronic conditions.
Emergency Care: Emergency veterinary services, often required outside of regular business hours, typically involve higher fees.

1.2. Key Benefits of Pet Insurance

Pet insurance offers a range of benefits that can make a significant difference in your pet’s life and your financial well-being:

Coverage for Accidents and Illnesses: Most pet insurance policies cover a wide range of accidents and illnesses, including broken bones, infections, cancer, and chronic conditions.
Reimbursement for Veterinary Expenses: After paying a deductible, you’ll be reimbursed for a percentage of covered veterinary expenses, typically ranging from 70% to 90%.
Choice of Veterinarian: Most pet insurance plans allow you to choose any licensed veterinarian, giving you the freedom to seek care from a trusted provider.
Optional Wellness Coverage: Some plans offer optional wellness coverage, which helps pay for routine check-ups, vaccinations, and other preventive care.

2. Determining the Right Time to Get Pet Insurance

The best time to get pet insurance is when your pet is young and healthy. However, there are various factors to consider when making this important decision.

Age of Your Pet: Younger pets typically have lower premiums and are less likely to have pre-existing conditions that may be excluded from coverage.
Breed-Specific Health Issues: Certain breeds are prone to specific health problems, making insurance particularly beneficial.
Your Financial Situation: Evaluate your ability to handle unexpected veterinary expenses out of pocket.
Policy Waiting Periods: Be aware of waiting periods before coverage takes effect, especially for illnesses.

2.1. Enrolling Puppies and Kittens

Enrolling your pet as a puppy or kitten offers several advantages:

Lower Premiums: Younger pets typically have lower premiums because they are less likely to have pre-existing conditions.
Comprehensive Coverage: Enrolling early ensures that your pet is covered for a wider range of potential health issues.
Peace of Mind: You can rest easy knowing that your new companion is protected from the start.

2.2. Insuring Adult Pets

While enrolling a pet as a puppy or kitten is ideal, it’s never too late to get pet insurance. Adult pets can still benefit from coverage, especially if they are prone to certain health conditions or if you have concerns about future veterinary expenses.

2.3. Addressing Pre-Existing Conditions

It’s important to understand that most pet insurance policies do not cover pre-existing conditions. A pre-existing condition is any illness or injury that your pet showed signs of or was treated for before you enrolled in the insurance plan. However, some companies may offer coverage for curable pre-existing conditions after a waiting period.

3. Factors to Consider When Choosing a Pet Insurance Policy

Selecting the right pet insurance policy requires careful consideration of several factors to ensure it meets your pet’s specific needs and your budget.

Coverage Options: Understand what the policy covers, including accidents, illnesses, hereditary conditions, and chronic conditions.
Deductibles: Determine the deductible amount you’re comfortable paying out of pocket before coverage kicks in.
Reimbursement Percentage: Consider the percentage of covered expenses that the policy will reimburse.
Annual Limits: Be aware of any annual limits on coverage.
Exclusions: Carefully review the policy exclusions to understand what is not covered.
Waiting Periods: Know the waiting periods before coverage takes effect, especially for illnesses.
Premium Costs: Compare premiums from different providers, considering the coverage options and benefits offered.

3.1. Understanding Coverage Types

Pet insurance policies typically offer several types of coverage:

Accident-Only: This type of policy covers veterinary expenses related to accidents, such as broken bones, cuts, and swallowed objects.
Accident and Illness: This comprehensive coverage includes both accidents and illnesses, such as infections, cancer, and chronic conditions.
Wellness: This optional coverage helps pay for routine check-ups, vaccinations, and other preventive care.

3.2. Navigating Deductibles and Reimbursement Percentages

Deductible: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Policies with lower deductibles typically have higher premiums, while those with higher deductibles have lower premiums.
Reimbursement Percentage: The reimbursement percentage is the portion of covered veterinary expenses that the insurance company will pay. Common reimbursement percentages are 70%, 80%, and 90%.

3.3. Evaluating Annual Limits and Exclusions

Annual Limits: Some pet insurance policies have annual limits on coverage, which is the maximum amount the insurance company will pay out in a given year.
Exclusions: Pet insurance policies typically have exclusions, which are specific conditions or treatments that are not covered. Common exclusions include pre-existing conditions, cosmetic procedures, and certain breed-specific conditions.

4. Top Pet Insurance Providers and Plans

Several reputable pet insurance providers offer a variety of plans to suit different needs and budgets. Some of the top providers include:

Trupanion: Known for its comprehensive coverage and no annual limits.
Healthy Paws: Offers a simple, comprehensive plan with no annual limits.
Embrace: Provides customizable plans with a variety of deductible and reimbursement options.
Nationwide: Offers a range of plans, including those covering routine care.
ASPCA Pet Health Insurance: Provides comprehensive coverage with customizable options.

4.1. Comparing Plans and Premiums

It’s essential to compare plans and premiums from different providers to find the best fit for your pet and your budget. Consider the following factors when comparing plans:

Coverage: What does the plan cover, and are there any exclusions?
Deductible: What is the deductible amount, and how does it affect the premium?
Reimbursement Percentage: What is the reimbursement percentage, and how much will you be reimbursed for covered expenses?
Annual Limit: Is there an annual limit on coverage, and what is the maximum amount the insurance company will pay out in a year?
Premium: What is the monthly premium, and is it affordable for your budget?

4.2. Reading Reviews and Seeking Recommendations

Before making a decision, it’s helpful to read reviews and seek recommendations from other pet owners. Look for reviews that discuss the provider’s customer service, claims processing, and overall satisfaction. You can also ask your veterinarian for recommendations on pet insurance providers.

5. How Pet Insurance Works: A Step-by-Step Guide

Understanding how pet insurance works can help you navigate the claims process and maximize your benefits.

Enroll in a Plan: Choose a pet insurance plan that meets your needs and budget, and enroll your pet.
Pay Premiums: Pay your monthly premiums to keep your coverage active.
Seek Veterinary Care: If your pet needs veterinary care, take them to a licensed veterinarian.
Submit a Claim: After paying for the veterinary services, submit a claim to your insurance company.
Receive Reimbursement: The insurance company will process your claim and reimburse you for a percentage of covered expenses, minus your deductible.

5.1. Filing a Claim

To file a claim, you’ll typically need to provide the following information:

Policy Information: Your policy number and contact information.
Veterinary Records: A copy of your pet’s veterinary records, including the diagnosis, treatment plan, and itemized bill.
Claim Form: A completed claim form, which you can usually download from the insurance company’s website.

5.2. Understanding Reimbursement Methods

Pet insurance companies typically offer two reimbursement methods:

Percentage of Actual Cost: This method reimburses you for a percentage of the actual cost of the veterinary services, minus your deductible.
Benefit Schedule: This method reimburses you based on a pre-determined schedule of benefits for specific conditions or treatments.

6. Common Misconceptions About Pet Insurance

Several misconceptions about pet insurance can deter pet owners from enrolling. Let’s debunk some of the most common myths:

“Pet insurance is too expensive.” While pet insurance does involve a monthly premium, it can save you thousands of dollars in unexpected veterinary expenses.
“My pet is healthy, so I don’t need insurance.” Accidents and illnesses can happen to any pet, regardless of their age or health.
“Pet insurance doesn’t cover pre-existing conditions.” While most policies don’t cover pre-existing conditions, some companies may offer coverage for curable conditions after a waiting period.
“It’s difficult to file a claim.” Most pet insurance companies have streamlined claims processes, making it easy to submit a claim online or through a mobile app.

6.1. The Cost-Benefit Analysis of Pet Insurance

Consider this example:

Without Insurance: Your dog develops a severe gastrointestinal issue requiring surgery and hospitalization. The total bill comes to $5,000. You pay the full amount out of pocket.
With Insurance: You have a policy with an $250 deductible and 90% reimbursement. You pay the $250 deductible, and the insurance covers 90% of the remaining $4,750, which is $4,275. Your out-of-pocket cost is only $725 ($250 + $475).

In this scenario, having pet insurance saves you $4,275.

6.2. Pet Insurance vs. Savings Accounts

While having a savings account for pet emergencies is a good idea, it may not be sufficient to cover the full cost of a major illness or accident. Pet insurance provides a guaranteed source of funds to cover unexpected veterinary expenses, allowing you to protect your savings for other needs.

7. How to Save Money on Pet Insurance

There are several ways to save money on pet insurance:

Enroll Early: Younger pets typically have lower premiums.
Choose a Higher Deductible: Policies with higher deductibles have lower premiums.
Compare Quotes: Get quotes from multiple providers to find the best rate.
Look for Discounts: Some providers offer discounts for multiple pets, military personnel, or employees of certain companies.
Consider a Wellness Plan: If you’re interested in routine care coverage, a wellness plan may be more cost-effective than paying for each service individually.

7.1. Discounts and Bundling Options

Multiple Pet Discounts: Many insurance providers offer discounts if you insure more than one pet.
Bundling with Other Insurance: Some companies offer discounts if you bundle your pet insurance with other types of insurance, such as home or auto insurance.
Employer Benefits: Check with your employer to see if they offer pet insurance as part of their employee benefits package.

7.2. Adjusting Coverage Options

Lower Annual Limit: Choosing a lower annual limit can reduce your premium. However, be sure that the limit is sufficient to cover your pet’s potential needs.
Lower Reimbursement Percentage: Opting for a lower reimbursement percentage, such as 70% instead of 90%, can lower your premium.

8. Breed-Specific Health Concerns and Insurance

Certain breeds are prone to specific health problems, making pet insurance particularly beneficial for owners of these breeds.

Golden Retrievers: Prone to hip dysplasia, cancer, and heart conditions.
German Shepherds: Susceptible to hip and elbow dysplasia, bloat, and degenerative myelopathy.
French Bulldogs: Commonly affected by breathing problems, skin allergies, and spinal issues.
Persian Cats: Prone to kidney disease, breathing difficulties, and hypertrophic cardiomyopathy.
Maine Coon Cats: Susceptible to hip dysplasia, hypertrophic cardiomyopathy, and spinal muscular atrophy.

8.1. Researching Breed-Specific Conditions

Before getting a pet, research the breed’s potential health problems to understand the risks and costs associated with their care. This information can help you decide whether pet insurance is necessary and which type of coverage to choose.

8.2. Customizing Your Policy for Specific Breeds

When choosing a pet insurance policy for a specific breed, consider the following:

Coverage for Common Conditions: Make sure the policy covers the conditions that are common in the breed.
Waiting Periods: Be aware of any waiting periods for coverage of breed-specific conditions.
Exclusions: Check for any exclusions that may apply to the breed.

9. Alternative Options to Pet Insurance

While pet insurance is a valuable tool for managing veterinary expenses, there are alternative options to consider:

Savings Account: Designate a savings account specifically for pet emergencies.
CareCredit: A credit card designed for healthcare expenses, including veterinary care.
Veterinary Payment Plans: Some veterinary clinics offer payment plans that allow you to spread out the cost of care over time.
Non-Profit Organizations: Several non-profit organizations offer financial assistance to pet owners in need.

9.1. Comparing the Pros and Cons

Each of these options has its own pros and cons:

Option	Pros	Cons
Pet Insurance	Comprehensive coverage, financial protection, peace of mind	Monthly premiums, deductibles, exclusions
Savings Account	Control over funds, no premiums	May not be sufficient for major expenses, requires discipline
CareCredit	Can be used for a variety of healthcare expenses	High interest rates if not paid off quickly, can impact credit score
Veterinary Payment Plans	Spread out cost of care over time	May require a credit check, may have interest charges
Non-Profit Organizations	Financial assistance for those in need	Eligibility requirements, limited funding

9.2. Creating a Comprehensive Financial Plan

The best approach is often to combine multiple strategies to create a comprehensive financial plan for your pet’s care. This may involve having pet insurance, a savings account, and a CareCredit card to cover unexpected expenses.

10. Making an Informed Decision: Is Pet Insurance Right for You?

Deciding whether to get pet insurance is a personal decision that depends on your individual circumstances, your pet’s needs, and your financial situation.

Assess Your Risk Tolerance: Are you comfortable taking the risk of paying for unexpected veterinary expenses out of pocket?
Consider Your Pet’s Health History: Does your pet have any pre-existing conditions or breed-specific health concerns?
Evaluate Your Budget: Can you afford the monthly premiums and deductible?
Weigh the Pros and Cons: Consider the benefits and drawbacks of pet insurance compared to alternative options.

10.1. Questions to Ask Yourself

Can I afford to pay for a $5,000 veterinary bill out of pocket?
Am I willing to take the risk of not being able to afford the best possible care for my pet?
Does my pet’s breed have a high risk of developing certain health conditions?
Do I want the peace of mind that comes with knowing my pet is protected?

10.2. Seeking Expert Advice

Consult with your veterinarian and other pet owners to get their perspectives on pet insurance. They can provide valuable insights based on their experience and knowledge.

11. Understanding Policy Renewals and Changes

Pet insurance policies typically renew annually, and it’s important to understand how renewals work and what changes you can make to your policy.

Renewal Process: The insurance company will typically send you a renewal notice before your policy expires. This notice will include information about any changes to your premium or coverage.
Premium Increases: Premiums may increase at renewal due to factors such as your pet’s age, changes in veterinary costs, or claims history.
Coverage Adjustments: You may be able to adjust your coverage options at renewal, such as increasing or decreasing your deductible or annual limit.

11.1. Reviewing Your Policy Annually

It’s important to review your pet insurance policy annually to ensure that it still meets your needs and budget. Consider the following:

Changes in Your Pet’s Health: Has your pet developed any new health conditions that require additional coverage?
Changes in Your Financial Situation: Can you still afford the premiums and deductible?
Changes in Veterinary Costs: Have veterinary costs in your area increased?

11.2. Making Necessary Adjustments

If you need to make adjustments to your policy, contact your insurance company before your renewal date. They can help you explore your options and make changes that fit your needs.

12. Pet Insurance for Senior Pets

While it’s ideal to enroll in pet insurance when your pet is young, senior pets can still benefit from coverage. However, there are a few things to keep in mind:

Higher Premiums: Premiums for senior pets are typically higher due to their increased risk of developing health problems.
Limited Coverage: Some policies may have limitations on coverage for senior pets, such as excluding certain age-related conditions.
Pre-Existing Conditions: Pre-existing conditions are typically not covered, regardless of your pet’s age.

12.1. Assessing the Benefits for Older Animals

Despite the higher premiums and potential limitations, pet insurance can still be worthwhile for senior pets. It can help cover the costs of common age-related conditions such as arthritis, cancer, and kidney disease.

12.2. Finding Suitable Plans

Look for pet insurance plans that offer comprehensive coverage for senior pets and that don’t have excessive limitations or exclusions. Compare quotes from different providers to find the best value.

13. Pet Insurance and Emergency Care

One of the most significant benefits of pet insurance is the peace of mind it provides in the event of a medical emergency. Emergency veterinary care can be incredibly expensive, and pet insurance can help you cover those costs.

Coverage for Accidents and Sudden Illnesses: Pet insurance typically covers accidents such as broken bones, cuts, and swallowed objects, as well as sudden illnesses such as infections and allergic reactions.
24/7 Availability: Emergency veterinary clinics are often open 24 hours a day, 7 days a week, so you can get your pet the care they need whenever they need it.
High Costs of Emergency Care: Emergency veterinary care can be significantly more expensive than routine care due to the need for specialized equipment, staffing, and after-hours services.

13.1. Preparing for Unexpected Events

It’s essential to be prepared for unexpected events by having a pet insurance policy in place and knowing how to access emergency veterinary care in your area.

13.2. Understanding What’s Covered in an Emergency

Review your pet insurance policy to understand what’s covered in an emergency situation. This may include:

Emergency Exam Fees
Diagnostic Tests
Surgery
Hospitalization
Medications

14. Debunking Myths About Claim Denials

Some pet owners are hesitant to get pet insurance because they fear that their claims will be denied. While claim denials can happen, they are often due to misunderstandings or preventable errors.

Common Reasons for Claim Denials:
- Pre-Existing Conditions: Claims for pre-existing conditions are typically denied.
- Exclusions: Claims for conditions or treatments that are specifically excluded from the policy are denied.
- Waiting Periods: Claims submitted during the waiting period may be denied.
- Lack of Documentation: Claims submitted without proper documentation, such as veterinary records and itemized bills, may be denied.
- Annual Limits: Claims exceeding the annual limit may be partially or fully denied.

14.1. Avoiding Common Mistakes

To avoid claim denials, follow these tips:

Read Your Policy Carefully: Understand the coverage, exclusions, and waiting periods.
Provide Complete Documentation: Submit all required documents with your claim.
Submit Claims Promptly: Submit claims as soon as possible after receiving veterinary care.
Communicate with Your Insurance Company: If you have any questions or concerns, contact your insurance company.

14.2. Appealing a Denial

If your claim is denied, you have the right to appeal the decision. Contact your insurance company to learn about the appeals process.

15. Integrating Pet Insurance with Wellness Plans

Some pet insurance providers offer wellness plans as an add-on to their insurance policies. Wellness plans help cover the costs of routine care, such as check-ups, vaccinations, and flea and tick prevention.

Benefits of Wellness Plans:
- Budget-Friendly Routine Care: Wellness plans can make it easier to budget for routine care expenses.
- Preventive Care: Wellness plans encourage preventive care, which can help keep your pet healthy and prevent costly illnesses.
- Discounts on Services: Some wellness plans offer discounts on services such as dental cleanings and grooming.

15.1. Determining if a Wellness Plan Is Right for You

To decide whether a wellness plan is right for you, consider the following:

Cost of Routine Care: How much do you typically spend on routine care for your pet each year?
Cost of the Wellness Plan: How much does the wellness plan cost per year?
Services Included: What services are included in the wellness plan?

15.2. Balancing Coverage Needs

Choose a pet insurance policy and wellness plan that balance your coverage needs and budget. You may want to opt for a more comprehensive insurance policy if your pet is prone to certain health conditions or if you want maximum financial protection.

16. Navigating Multi-Pet Households with Insurance

If you have multiple pets, it’s essential to consider how pet insurance can work for your household.

Multi-Pet Discounts: Many insurance providers offer discounts for insuring multiple pets.
Individual Policies: You can choose to get individual insurance policies for each pet, allowing you to customize coverage for their specific needs.
Combined Policies: Some providers offer combined policies that cover multiple pets under a single plan.

16.1. Customizing Coverage for Each Pet

When insuring multiple pets, it’s essential to customize coverage for each pet based on their age, breed, health history, and risk factors.

16.2. Streamlining Claims for Multiple Animals

Having pet insurance for multiple animals can simplify the claims process. You can submit claims for each pet individually or, in some cases, combine claims for multiple pets into a single submission.

17. Technological Advances in Pet Insurance

The pet insurance industry is constantly evolving, with new technological advances making it easier to manage your policy and access care for your pet.

Mobile Apps: Many insurance providers offer mobile apps that allow you to manage your policy, submit claims, and access customer support from your smartphone.
Telehealth: Some providers offer telehealth services, allowing you to consult with a veterinarian online for minor health concerns.
Wearable Technology: Wearable devices for pets can track their activity levels and vital signs, providing valuable data for monitoring their health.

17.1. Utilizing Digital Resources

Take advantage of digital resources offered by your insurance provider to manage your policy efficiently and access information about your pet’s health.

17.2. Telemedicine and Remote Consultations

Telemedicine and remote consultations can be a convenient and cost-effective way to address minor health concerns and get advice from a veterinarian without having to visit the clinic.

18. The Future of Pet Healthcare and Insurance

The future of pet healthcare and insurance is likely to be shaped by several factors:

Advances in Veterinary Medicine: New treatments and technologies will continue to improve the quality of care for pets.
Increased Pet Ownership: The number of pet owners is expected to continue to grow, leading to increased demand for pet healthcare and insurance.
Personalized Medicine: Personalized medicine approaches will become more common, allowing for customized treatments based on an individual pet’s genetic makeup and health history.

18.1. Staying Informed on Industry Trends

Stay informed on industry trends by reading reputable pet health publications, attending veterinary conferences, and consulting with your veterinarian.

18.2. Preparing for Future Healthcare Costs

Prepare for future healthcare costs by having a pet insurance policy in place and staying informed about the latest advances in veterinary medicine.

19. Final Thoughts: Ensuring a Healthy Future for Your Pet

Pet insurance is a valuable tool for ensuring a healthy future for your pet. By understanding the benefits of pet insurance, choosing the right policy, and utilizing available resources, you can provide your beloved companion with the best possible care without breaking the bank.

19.1. The Importance of Proactive Healthcare

Proactive healthcare is essential for keeping your pet healthy and preventing costly illnesses. This includes regular check-ups, vaccinations, proper nutrition, and exercise.

19.2. Partnering with Vets and Insurers

Partner with your veterinarian and pet insurance provider to develop a comprehensive healthcare plan for your pet that addresses their individual needs and risks.

20. FAQ: Your Burning Questions Answered

Here are some frequently asked questions about pet insurance:

What is pet insurance, and how does it work? Pet insurance helps cover veterinary costs for your pet, similar to human health insurance. You pay a monthly premium, and the insurance company reimburses you for a percentage of covered expenses after you meet your deductible.
When is the best time to get pet insurance? The best time is when your pet is young and healthy to secure lower premiums and comprehensive coverage before any pre-existing conditions develop.
What does pet insurance typically cover? Most policies cover accidents and illnesses, including surgeries, hospital stays, and medications. Some also offer wellness coverage for routine care.
Are pre-existing conditions covered? Generally, no. Most pet insurance policies don’t cover conditions that your pet had before enrollment, but some may cover curable conditions after a waiting period.
How do deductibles and reimbursement percentages work? The deductible is the amount you pay out of pocket before the insurance starts covering costs. The reimbursement percentage is the portion of covered expenses the insurance company pays, typically 70-90%.
Can I choose any veterinarian with pet insurance? Yes, most pet insurance plans allow you to choose any licensed veterinarian.
How do I file a claim? You’ll need to submit a claim form along with your pet’s veterinary records and itemized bill to your insurance company.
What if my claim is denied? If your claim is denied, review the reason and contact your insurance company to understand the denial. You usually have the option to appeal the decision.
Is pet insurance worth it? Pet insurance can be worth it if you want financial protection against unexpected veterinary expenses and peace of mind knowing you can afford the best care for your pet.
How can I save money on pet insurance? You can save by enrolling early, choosing a higher deductible, looking for discounts, and comparing quotes from different providers.

For more in-depth information and tailored advice, visit PETS.EDU.VN or contact us at 789 Paw Lane, Petville, CA 91234, United States or Whatsapp: +1 555-987-6543. We’re here to help you make the best decisions for your furry family member.

Remember, at PETS.EDU.VN, we understand the challenges pet owners face in finding reliable information about pet care. We also recognize the desire for comprehensive guidance on pet health, nutrition, and behavior. That’s why we’ve created a platform where you can access expert advice, connect with other pet lovers, and discover the best services for your furry friends.

Are you looking for more reliable information on caring for your beloved pets? Do you need personalized guidance on nutrition, health, or behavior? pets.edu.vn is your go-to resource. Visit our website today to explore a wealth of articles, connect with experts, and find the best services for your furry friends. We’re here to support you every step of the way. Contact us today at 789 Paw Lane, Petville, CA 91234, United States or Whatsapp: +1 555-987-6543.