Pet insurance is something that many of us put off, simply for the fact that it is seen as an unnecessary expense. However, did you ever think that your pet is just like one of the family? And would you ever consider going without health insurance for your family? If you would never leave your family uninsured, then why leave your pet uninsured? Cost is the main reason, but this is nothing compared to the cost of losing a beloved pet.
Pet insurance has in fact been around for a long time, helping pet owners to save money on veterinary bills. These costs do not come cheap, and simple problems will cost you money. And if your pet becomes seriously ill due to factors beyond your control, you may not be able to pay to make your pet healthy again if you have not taken out the insurance. It is a sad fact, but hundreds of us have had to say goodbye to our pets simply because of the money.
There are many pet insurance plans to choose from, and these vary. It is important to do your research and choose the plan for your pet carefully. Plans should cover annual checkups and routine care, but some may not exceed this. So make sure that if your pet has sickness or injury, your pet will be covered. It may also be the case that you need to pay for general checkups and not for emergencies, which is fine so long as you know exactly what you are paying for. Once you have chosen the plan, emergency coverage should start straight away but you may have to wait for certain other benefits.
The cost is a big concern for many, and will depend on the age of your bed, the breed, or anything else of importance. If your pet has had medical conditions in the past then this may increase the costs.
You might choose to pay slightly more for a completely comprehensive plan which will offer you the best protection. These can start when your pet is just a few months old, going up to around 8 years on average, but some will extend to as old as 27 years. If you cannot afford this then you could also do some research into whether there are any discounts available, or you could try saving money before you buy your pet to ensure you can afford their insurance.
These are the basics behind this issue, and it is important to do your research so you know exactly what you are covered for and how much this will cost. A simple internet search should yield a variety of insurance providers, and you should compare their websites to see which gives you the best deal. Do not just go for the cheapest option – make sure that your pet is covered so that you will be prepared and looked after if anything does go wrong with their health.
Copyright (c) 2008 John Nolan