If you own a dog or cat, you know that a four-legged companion can bring a lot of joy to your life. But did you know that medical care for your pet can add to that joy? The cost associated with veterinary health can be prohibitive-even for pets with health insurance. Pet insurance can help ease that financial worry. Before you add your furry friend to the policy, though, make sure you understand the basics of pet insurance.
How pet insurance works
As a pet owner, it is important to protect that investment. You love your pet and everything they do for you. You want to protect them from every possible accident or illness. In that regard, pet insurance can provide peace of mind and make sure that if anything happens to your pet, they will be cared for.
When it comes to pet insurance, there’s a lot of information out there. But what’s important to know is that pet insurance is a paid service intended to help with costs that pet owners may not consider when buying a pet, such as emergencies, accidents, and sickness. Such insurance is designed to help with these costs, not provide one with everything a pet might need. If your pet does need to visit the veterinarian, you’re still responsible for the costs of the exam, the X-rays, the medicine, and the follow-up care. But, insurance can ensure that you are able to look for quality care options like visited an experienced, friendly vet at Parker Animal Hospital or other similar facilities. Additionally, the insurance will not provide coverage for pre-existing conditions, as that is considered part of the pet’s normal, healthy routine.
What does pet insurance cover?
This is a type of insurance policy that covers the cost of your pet’s veterinary bills, including preventative care. Many pet insurance plans even cover preventive and wellness care, such as checkups, vaccines, microchipping, and treatments for health conditions, such as cancer, diabetes, and obesity. Some pet insurance plans also include elective services like dentistry and grooming as well. In some cases, pet insurance providers go beyond medical expenses and offer options for end-of-life care, covering euthanasia and cremation. When faced with the traumatic event of a pet’s death, having the support of pet insurance, including coverage for cremation, can provide financial relief during an emotionally challenging time. Businesses like Tendering Pet Cremation offer specialized services for pet cremation, ensuring a compassionate and respectful farewell for your beloved companion. This sort of pet insurance can help minimize the financial burden associated with losing a beloved pet and provide a sense of closure.
What’s not Covered?
Before choosing such a policy, you should know exactly what your pet health insurance will cover. There are usually a few exclusions from standard pet insurance policies, such as:
- Oral health issues
- Hereditary and preexisting health conditions
- Behavioral issues
- Routine check-ups
- Medical care is geared toward preventing illness and injury.
- Dysplasia of the hips
- Grooming
Cost
Dog and Cat Insurance: These days, pet insurance has become the most popular way for pet owners to cover the costs of veterinary expenses. Pet insurance can range from $20 to $300 per year, depending on the pet and the provider. Benefits can include reimbursement for covered veterinary expenses, as well as coverage for hereditary conditions, wellness care, and preventive services.
Pets aren’t cheap, and pet insurance helps protect you from unexpected health costs. Additionally, most insurance companies offer an annual deductible that you’ll have to pay before insurance kicks in. After that, most plans cover up to 80 percent of eligible vet costs. And some policies even cover hereditary and congenital problems, so you’ll never have to risk exposing your pet to a risky new medicine.
Why get pet insurance?
Owning a pet can be a rewarding experience, but the costs can add up. That’s where pet insurance can help you budget for your pet’s veterinary care. It will pay for your pet’s vet bills like other insurance policies. Plus, most pet insurances offer a policy that will pay out for you to leave your pet at a boarding facility if emergency veterinary care is needed while you’re away.
Pet Insurance Has Advantages
Owning a pet is rewarding, but it can take a huge bite out of your wallet. Luckily, insurance for the pet can help. It’s a form of insurance that covers pets when they get sick or injured. Generally, pet insurance will cover routine care such as vaccines, blood tests, etc. Advantages include:
- It’s inexpensive
- More treatment options
- Healthier pets
- Gives you peace of mind
The benefits of pet insurance are beyond measure. Pet insurance can provide peace of mind, allowing you to focus on providing your pet with the best possible care without worrying about the staggering cost of an unexpected illness or injury.