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?!” Do you have a plan or do you have pet insurance if Spot eats something really bad?
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 when 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.