Nobody likes to think about some tragedy happening to his or her much-loved pet, but these things do occur. If you have pet insurance in place, you won't need to worry about your budget when you're discussing treatments with your vet. This type of insurance can ease the financial shock of an unexpected veterinary bill and some policies even cover some routine procedures such as vaccinations.
Health insurance for pets is different from that for humans in that you have much more choice in which vet clinic you take your pet to for treatment. This is particularly useful for when you're on vacation or travelling and something goes wrong, but even when you're at home, you'll be able to have your pet treated by their regular doctor.
Why Do I Need Pet Insurance?
You may assume that insurance for pets is expensive. In fact, there is a wide variety of plans that allow you some degree of flexibility in what you insure against and how much of a vet bill you are responsible for before your policy picks up the tab. This allows you to choose a plan that will protect your pet and still fit in your family budget. Most plans also allow for quarterly or monthly premiums that will help to spread the cost. Paying a monthly premium to insure your pet means you don't have to worry about money in an emergency; you can focus on your pet and what's needed to get them well.
If your pet insurance plan covers preventative care, it can be extremely beneficial for your pet. Routine blood work can pick up potentially serious medical conditions early and allow treatment to start sooner. This usually results in a better outcome. If your insurance company will help with the bill for these tests, you're not likely to opt out of them because of the cost.
There are ways of making pet insurance better fit your family budget. Paying monthly may mean it costs you a little more over the course of the year, but monthly premiums are smaller and easier to manage. Lifetime premiums are often better if you start your pet's insurance policy when they're young. It may seem odd to insure a young, healthy dog, but things happen to youngsters too; if you do so, premiums often remain lower for the life of your pet. Some policies offer discounts for multiple pets and this can save you a few dollars too. Finally, check your deductible because it's often the case that if you're prepared to pay a higher deductible when you make a claim, your premiums will be lower.
You've no doubt heard the saying, "Anything that can go wrong, will go wrong." It's perhaps a pessimistic view of the world, but being prepared can never hurt. Pet insurance will give you peace of mind; you'll be able to provide your pet with immediate veterinary care in an emergency. Even if their condition isn't life threatening, you can have your pet seen by your vet sooner without worrying about cost. You won't have to just wait and see if they get better, which can result in worsening of their condition and ultimately a bigger bill.
Selecting the best pet insurance for your pet can be difficult. Here are pet insurance policies recommended by LovePets.