Do you have pet insurance?
Has pet insurance crossed your mind?
We would like to share this article from Pets At Home.
Pet insurance is quickly becoming a must-have for growing numbers of pet owners.
What Does Pet Insurance Cover?
While the exact details of each policy vary based on your particular circumstances, there are some common restrictions. Most policies will not cover routine veterinary care such as spays, neuters, vaccinations and check-ups. Certain conditions may not be covered by an insurance policy, especially if they are known to be common to a specific breed – breed-specific restrictions are common in dog insurance policies. Additionally, if your policy lapses or you take out a policy on an older animal, your pet may not be covered for pre-existing conditions. Most policies will have a standard deductible, or fee that you pay out of pocket before your coverage kicks in. Your policy will likely have a ceiling on the amount of treatment that will be covered per condition or per year.
Unlike human health insurance which may restrict coverage to doctors and hospitals within an approved network, pet insurance is generally accepted by any vet, which allows owners a huge degree of choice and flexibility. Another difference between human health insurance and pet insurance is that pet insurance is not just about veterinary fees and medical costs; many policies also offers other benefits. For example, should a pet go missing, policies can cover the cost of advertising for its safe return, including the cost of a reward. While no pet can ever truly be replaced, if a pet is lost, stolen, or dies due to accident, a pet insurance policy can financially compensate for its loss.
Is It Expensive?
The cost of a pet insurance policy depends on various factors including the species, breed, age and pre-existing conditions of the pet. You can often make additional savings by taking out policies with your insurance provider on more than one pet. Policy costs will also vary based on the level of cover and the provider that you choose. However, excellent policies can be obtained for a monthly charge that is less than the price of a single take-out coffee – compare that to the many thousands that you could expect to pay for a serious accident or chronic disease.
Overall, pet insurance can provide you peace of mind.
It allows you to make decisions based on what is best for the health of your pet, rather than having to factor in the very real financial worries that can often force owners to choose an option that they find less desirable.
Here I am on my last vet visit.
Yes, my mom thought of having a pet insurance when I was young.
At that time she found it still expensive and decided to just save up for my vet care expenses. Until I developed allergies and my vet bills skyrocketed. But it was too late to get a pet insurance.
She learned that ideally if you want a good pet insurance plan for you pet, get it while your pet is young and healthy.
Now that I am old, a Senior Dog, vet bills is once again getting costly due to additional/unexpected tests.
My mom always wondered if I had a pet insurance
does it really makes a difference.
Just curious, so if anyone …
… has pet insurance we would like to know your experience.
… does not have a pet insurance, would you consider getting one?
Lots of Golden Woofs
