If you’re a pet parent, chances are there’s one particular phrase that you find yourself uttering at least once a week: “Spot, just what the heck do you think you’re eating?!” While we try to do all we can to make sure our furry companions steer clear of trouble and don’t get sick, being a pet parent is a 24-hour job, and there can be moments where you won’t be there to make sure Spot doesn’t develop a sudden hankering for the living room furniture or find the juicy pair of shoes you thought you put away. That’s where pet insurance can come in handy by helping take the stress out of those unexpected trips to the vet.
How Pet Insurance Works
When digging around for the best pet insurance, it’s important to understand that a policy will usually help cover the medical costs of most illnesses and injuries that may befall your furry housemate. Pet insurance is similar to some health insurance policies you might already be familiar with; they too have deductible systems, copays, benefit limits, and other similarities.
Most care providers have little to no direct contact with the insurers themselves, so you’ll usually have to submit receipts yourself in order to receive a reimbursement. For the most part, pet insurers only sell policies for “basic” or non-exotic pets, like cats and dogs – but there are some exceptions. Given the rising costs of veterinary care, a pet insurance policy can be a good choice for anyone who’s looking to provide only the best for their four-legged companion.
What Type of Insurance Should I Get?
There are some things to take into consideration as you try and decide which pet insurance policy best fits your needs; for example, the specific conditions covered under each plan, as well as the maximum payout in each case. Also, do some digging to try and figure out what conditions are specific to your pet’s breed. As they say with health concerns, an ounce of prevention is worth a pound of cure – and pets are no exception. It’s also worth noting that no insurer will cover pets with pre-existing conditions. After all is said and done, the most important thing is to insure your pet in the best way according to their particular needs and potential genetic ailments.
Spot Will Thank You!
Without a doubt, being a pet parent is one of the most fulfilling decisions you can make in your life. Now all you have to do is find the best pet insurance and you’ll be returning the favor, so you can focus more on nose kisses, warm snuggles and playing fetch with Spot, instead of worrying about health troubles or how much your next surprise visit to the vet will be.
I didn’t know that they had pet insurance like this. Thanks for the article.
Thanks for the information, I’ll check it out.
Yes, pet insurance can be so important. Just like human medical care, pet medical care can be very expensive and add up.
A serious illness or injury can take a financial toll, even when the patient is a pet. Almost all policies exclude pre-existing conditions and may exclude breed-specific conditions (or charge you more to cover them). Some providers also offer wellness coverage for certain routine care. The bottom line is: Make sure you know what you are getting for your premium.
I think if you have pets in today society, its probably best to have insurance, Because they don’t just help cover medical bills, but possible funeral cost.
@tisonlyme143
These are great tips and definitely food for thought when considering a new fur family member!
A vet bill can really wipe out your savings in a hurry! I’ve been considering pet insurance, thanks for the information.
thank you! i am looking in to insurance now so this was really helpful
Having emergency pet insurance was one of the first things I got when we got our dog.