Pet owners are truly a “breed” of our own! (And yes, I proudly put myself in that category as owner of a dog and two cats.) We would do almost anything for these adorable, lovable critters. But would you buy health insurance for your pet? You might, once you realize that it’s much more than pet insurance. I consider it a way to return a little of that unconditional love my pet showers me with each and every!
Having had the sad experience of having a seriously ill pet, I can tell you first hand that having to decide against possible life-saving care because of the cost is a truly difficult decision.
We’re Already Spending On Much More Than Pet Insurance
The amount of money we spend on our pets is amazing. We’re talking over $40 BILLION last year! What do we spend all that money on? Well, of course, there’s the normal things like food, boarding, routine vet care and grooming. And then there’s all that extra stuff like monogrammed designer clothing, personalized food bowls, jewel-encrusted collars and the like. But not many pet owners in the U.S. have opted for a pet insurance plan.
I know, insurance is a nasty unpleasant subject with most of us. It feels like we’re already shelling out money for something we may never even use (our own health insurance and car insurance for instance!) But for most of us our pets are like our children and we want to take the best care of them that we possibly can.
What Pet Insurance Covers
So to decide if pet insurance is something you might benefit from, let’s take a look at the kinds of things a pet insurance policy might include.
A lot of pet insurance plans offer full coverage, meaning that all accidents and illnesses are covered (usually excluding pre-existing conditions.) A top of the line policy can also include conditions related to specific breeds, cancer treatments, diagnostic testing, surgery, hospitalization and nursing care and even alternative therapies and rehab. Of course, you can also expect to pay the most for this type of policy.
Most pet insurance companies offer additional riders so you can design a plan that best suits your situation. Those riders can include coverage for preventive wellness care and dental coverage. And, your deductible will determine your premium rate as well.
You need to comparison shop and read the policy thoroughly, just as you would do if you were buying medical coverage for yourself to assure you get what you need. As pet owners, we’re already spending money on much more than pet insurance to keep our pets happy and comfortable. Maybe we should consider pet insurance for our pet's health and our financial security.
Get the facts on purchasing pet insurance at http://petinsuranceprimer.com
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