Pet insurance is very important to pet owners. People love their pets and often see them as members of their families. And with that in mind, they are trying to keep them as healthy as possible, so they can live a long, happy, and healthy life.
When considering pet insurance, it would be useful to be informed about the factors that determine the monthly premium for pet insurance.
Do you need pet insurance?
You don’t have to buy insurance for your pet, but it could be useful. Consider pet insurance to be equivalent to health insurance when it comes to humans. So, you don’t have to have it, but it does have its benefits.
What does pet insurance cover?
There are different types of pet insurance and you should choose one that best suits your needs and your finances. So, what can pet insurance cover?
1. Accidents – It covers mostly physical trauma like broken bones, torn ligaments, bites, poisoning, and other injuries.
2. Illness – As the name implies, it covers more complicated health conditions like infections, cancer, parasites, etc.
3. Wellness – Basically, it covers regular vet checkups, cleanings, vaccines, various testing, etc. So, anything to prevent the diseases and keep your pet feeling well.
Why is pet insurance important?
Many people are in a dilemma when it comes to pet insurance. Some consider pet insurance to be unnecessary since you pay a premium every month for an event that will occur maybe once or might never happen.
But if we look at things from that perspective, then every type of insurance is unnecessary. The reality is that pet insurance can really pay off in the long run, but you have to take time to pick the insurance that fits your needs. Here is why is pet insurance important.
1. It saves you money
When an event occurs, you might realize that the vet bills can be huge. Insurance covers a certain percentage of the vet bill, depending on your insurance plan. People often realize the true usefulness when they face the situation in which insurance covers a part of their bill.
Very few people are ready at any given moment to pay thousands of dollars for vet treatment, hospitalization or vet stay if the procedure is complicated.
When you don’t have pet insurance and the unpleasant event occurs in a bad time, you could end up using, for example, your emergency fund, or money from another important fund.
2. It provides treatment options
When your pet gets sick and you have to pay money from your pocket, you can choose only the treatments you can afford at that moment. But, if you have insurance and the insurance company covers a certain percentage, you can choose more expensive treatments. That way you can provide much better medical care for your pet, and raise their chances of making the full recovery.
3. Pick your vet
You have full freedom when it comes to choosing the vet you want. Also, you don’t need the referral to see a specialist, which is very convenient in case your pet gets sick on a holiday or after hours. After the vet visit, all you have to do is present the vet bill to the insurance company and they will reimburse your expense.
4. No age or breed discrimination
You don’t have to buy pet insurance the moment you adopt or buy your pet. You can do it at any time it is convenient for you. Also, you don’t have to worry that you will be rejected because of the breed.
5. Peace of mind
When you have a pet, you should be able to take care of their needs. And that includes health care. Not being able to provide such care for your pets brings anxiety and stress. When you buy the insurance you can be sure that you will be able to choose any treatment for your pet to get better. Insurance companies cover up to 80% of the costs after you meet the deductibles, so you are able to afford any treatment.
6. It could save or extend your pet’s life
Overall, being able to buy the exact treatments your pet needs to get better can save their life. Or it can significantly improve it by sparing them pain and unnecessary suffering.
Even though some people have doubts, most pet owners agree that it is worth getting pet insurance. The insurance companies will reimburse most of your expenses and your pet will get the best possible health treatments. Also, many insurance companies offer discounts if you insure more than one pet. Check out what insurance companies offer and find the best option for you. Keep your beloved pet healthy and therefore, happy.