If you love your pet, then it’s time to consider getting them health insurance. Yes, it might seem like an unnecessary expense but think about this: You wouldn’t want to make that difficult decision about putting down your furry friend based on financial constraints, would you?
That’s why having pet insurance can help keep peace of mind with the knowledge that you’ll be able to provide the best possible care for your animal companion. In this article, we’ll go over some of the top reasons why you should get pet insurance.
Pet Insurance Helps Keep Peace of Mind
Pet insurance helps pet owners keep their minds at ease and focus on the health of their pets. A well-known pet insurance business recently announced the creation of a database that would allow dog owners to discover which diseases their pets are most likely to contract. For almost 16 years, they’ve been handling medical claims for dogs. Over that period, they’ve collected over 150 million data points from over 725,000 canines, according to a Forbes article. Using this service will give you a fair idea of what to expect from your pet.
You shouldn’t have to worry about how much money you’re going to have to spend on vet visits or unexpected emergencies when it comes to your furry friend. With pet insurance, you’ll never have these concerns again.
Can Help With Unexpected Bills
Pet insurance can help when an unexpected expense occurs. For example, if your cat needs surgery for a bladder infection, pet insurance will provide coverage. This is in addition to covering veterinary bills from accidents.
Pet insurance isn’t just about accidents and emergencies. It also covers chronic conditions, such as arthritis or diabetes, and viral or bacterial infections that require ongoing treatments and medications such as Amoxicillin capsules. This can include dental care as well since many dental problems are treatable with medication rather than surgery.
Get the Best Care For Your Pet
Having pet insurance also allows you to get the best care for your pet. Whether it is surgery or cancer treatment, sometimes treatments can be expensive, and without health insurance, you may not be able to afford them.
Boxers, beagles, and golden retrievers had the highest relative risk for a cancer claim, while Pomeranians, Chihuahuas, and French bulldogs had the lowest. While the risk of cancer increases with age, being a mixed breed, particularly a small one, appears to have a preventive impact.
Your veterinarian knows the best way for your dog or cat to receive treatment, but with a plan in place from pet insurance companies, you can rest assured that any medical needs that may arise will be met with ease.
Pet Insurance Is More Affordable Than Ever Before
Pet insurance is becoming more widely available, popular and affordable. Pet insurance companies are partnering with veterinarians to offer pet health services in their offices. In addition to this convenience, these partnerships help drive down costs for pet owners by providing discounts on routine procedures, such as vaccinations and spays.
The rising popularity of pet insurance has also led many carriers to lower their premiums and increase the level of coverage they provide for specific conditions like cancer treatment or hip dysplasia. These often require expensive care that can be financially crippling for owners without the financial cushion provided by a plan backed by an insurer.
Be aware, though, that your dog’s DNA might raise your pet insurance rate. Dog varieties from Australia, such as the kelpie, border collie, or silky terrier, might be the cheapest to insure, costing an average of $611 per year. While canines from the United States or Canada, such as the Boston terrier ($914) or American bulldog ($1282), are among the most costly. The average annual cost of dog insurance is $716.
It May Be a Requirement for Breeders or Shelter Adoption
Some shelters and breeders require pet insurance. Some breeders may require you to have a certain amount of pet insurance before they sell you a puppy or kitten. And some shelters may require you to have pet insurance before they let you adopt a pet.
Allows Owners to Avoid Difficult Decisions
It’s not always easy to decide to put down a pet. But if your finances are tight and you don’t have any other options, then insurance is an option that will allow you to keep your beloved pet in your life.
Pet insurance can also help people avoid making difficult decisions based on financial situations when their pets become ill or injured.
With most policies covering 80% of the costs for care and treatment, owners who find themselves in this situation can feel confident that they won’t have to make a tough choice.
You Can Get Reimbursed for a Portion of Your Vet Bills
The most common way that pet insurance companies reimburse you for vet bills is by paying a percentage of the total cost. This is usually somewhere between 50% and 80%, depending on your contract with the insurance company. So, if your cat has to stay at the vet’s office overnight, they’ll pay half of that bill. If your dog needs surgery to remove its broken leg, they’ll pay roughly two-thirds of it.
Pet insurance is a way to help you avoid difficult decisions based on financial situations. When your pet becomes ill or injured, you can get reimbursed for a portion of your vet bills by filing a claim with your insurer. This will mean that you do not have to choose between paying rent or buying medicine for your dog. Instead, pet insurance will cover part of the cost and allow you both to keep living comfortably.
Your Monthly Premiums Are Usually Lower Than Your Deductible
The monthly premiums for pet insurance are usually lower than your deductible for other types of insurance, such as automobiles or homeowners. Because it’s so affordable, pet insurance is a great way to save money.
A pet is not just a pet. It’s also part of your family. If something unexpected happens that requires medical treatment, you’ll be happy to know that there’s coverage available through most major providers that can help with those expenses. It’s incredibly important to make sure your furry friends are healthy and happy, but vet bills can be expensive. Pet insurance is a great way to ensure that you have everything covered in case of an illness or injury.
With pet insurance, you pay a monthly premium, and in return, your veterinarian will work with the company on a per-claim basis. Meaning all the money doesn’t come out at once. This helps prevent any financial hardship while covering the cost of any urgent treatments needed.
There are so many reasons to get pet health insurance. It can help owners avoid costly vet bills and medical procedures. It will also make sure their furry companions are being given the best care possible. It’s important to note that some people may be required by law or by their landlord to have this type of coverage for their pets.
