Pets are as exposed to illness, accidents, disease and hereditary conditions as human beings. It sometimes costs an arm and a leg to get your pet treated by a good veterinarian. You may have wondered as you stared at the $100+ veterinary bill, “Should I get pet insurance?” The answer to that question depends on the likelihood of your pet developing a particular condition or needing a specific procedure.
Most people prefer to save a certain sum of money each month so they can be ready in case of an emergency. This may be a prudent alternative if your pet is in good health. However, unforeseen incidents can create a huge dent in your bank balance. Last year a dog trainer told me about how one of her dogs decided to swallow a piece of plastic. The plastic got lodged in the dog’s intestine, and while the vet was able to save the dog, the procedure cost $3,500.
Even if your pets are in good health, and don’t have a taste for plastic, any number of things can go wrong. For example, if your pet attacks another pet or a person, you may have to deal with medical bills and legal suits. Moreover, routine check ups and other wellness requirements all add up to create a demand on your resources. Getting a good, affordable insurance policy would address a lot of these problems.
Is Pet Insurance Worth It?
Whether pet insurance is worth it or not depends on the type of animal you own and your financial condition. Show dogs and pure bred ones require insurance since illness can affect their ability to perform and reduce your earnings considerably. If you are a dog breeder, insurance is almost a no-brainer.
Veterinary costs are rising by the day. Nowadays, your pet can get procedures and treatments that were not available ten years ago. But the cost of these treatments is staggering. A pet can be now be treated for cancer through radiation and can even get an organ transplant. So, if you’re the type to spare no expense as far as your pet is concerned, getting affordable pet insurance is certainly wise. Otherwise, you could wind up paying full price these expensive procedures. It becomes a question of spending $20-$50 a month for insurance, or possibly shelling out $3,000 for an emergency procedure.
Advantages of Getting Pet Insurance
You can choose a pet insurance plan that fits in with your finances. A wide range of cheap pet insurance policies is available. You can even decide how much of coverage you want. Most insurance policies offer 70-80% coverage, meaning you will pay 70-80% of any vet bills. Other plans have co-pays like human insurance, or even deductibles, like an automobile insurance policy.
If you have more than one pet you get discount pet insurance plans to cover all your pets. Most insurers also offer the option to pay monthly or annual premiums. So you can opt for whatever is best for you. You don’t have to make a hefty yearly payment if you don’t want to.
Most insurance companies insure pets after 8 weeks of birth and then offer lifelong coverage. This takes care of majority of your pet care expenses. A few insurers will also cover hereditary or chronic conditions, but you will have to shop around.
Some people claim that getting pet insurance is an unnecessary expense because your pet may never need the treatment and you’ll end up paying premiums for nothing. A lot depends on the lifestyle of your pet. If you have an indoor cat, your vet bills may be very low. But if you have an active dog that is getting on in years, then your vet bills may be considerably more. A mid-way route would be to get a cheap pet insurance policy to take care of basic pet care needs just in case. You can go online and do a comparison to get the cheapest insurance plan. An inexpensive plan costs only about $10 to $15 per month in premiums.
Pamella Neely writes about crate training. Her site offers a free crate training schedule.
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