10 Reasons All Animal Owners Should Get Pet Insurance
Pets are not mere animals, when you take them into your home, they become family members. Pet
insurance is a must-have if you care for your pet as if it were a member of your family. Pet insurance works
just like health insurance for people. It allows you to get reimbursed for eligible medical expenses when
you visit the veterinary. Learn more about this type of insurance and why pet owners should get one.
1. Insurance Covers Your Pet in Case of Accidents and Illnesses
If you take out pet insurance, you are covered in case of accidents and illness. The insurer will reimburse
you for the eligible costs you pay at the veterinary if your cat or dog falls ill or is injured. Pet insurance is
useful at any age because unfortunate events such as car accidents can affect any pets, especially those
that also spend time outdoors. If your pet gets hit by a car or suffers injuries due to other types of
accidents, the consequences can be severe and they might require surgery and long-term treatment. CT
scans and X-rays alone can cost hundreds of dollars, while surgery can easily reach thousands of dollars.
Treatment for chronic diseases such as heart or thyroid conditions can also prove expensive. These require
continuous medication that can cost hundreds of dollars per year. Pet insurance can help you reduce the
amount you need to pay based on your coverage limit.
2. It Helps Extend Your Pet's Lifespan
Regular veterinary visits are recommended for dogs, cats, and other common pets. The minimum
frequency is a visit per year. During these regular checkups, the vet will examine your pet and let you
know whether they need any special diet or treatment.
These checkups are essential to catch early signs of disease and start applying preventive care treatment.
On these occasions, the vet can also administer the necessary annual vaccinations and deworming
treatment. Essentially, these vet visits can extend your pet’s life and ensure they stay healthy and happy
for as long as possible.
Pet insurance can help you cover some of the costs associated with routine health care, especially if you
choose a wellness plan. This type of insurance covers grooming, annual checkups, and several other costs.
Some of the services included in pet wellness plans are:
- Deworming treatment
- Heartworm tests
- Vaccines
- Annual vet visits
- Spaying and neutering
- Blood work
- Fecal exams
- Behavioral therapy
- Grooming
- Acupuncture
- Massage therapy
- Dental care
- Microchipping
Pet wellness plans can be added to a basic insurance plan. One aspect to keep in mind is the
reimbursement limits. Some plans have per-item limitations meaning that they cover specific expenses
up to a certain limit. For example, you might get a cap on dental cleaning services or vaccination. Compare
different plans and choose the one you think will benefit your pet and your finances the most.
3. Pet Insurance Helps You Be Prepared for the Unexpected
You never know when your beloved pet falls ill, even if you’re diligent about their care and always on the
lookout for symptoms. Moreover, you cannot prevent or predict accidents that might cause your pet
injuries that require immediate medical attention. The cost of treatment and rehabilitation can be
overwhelming. Just like getting health insurance for yourself and your family, pet insurance helps you be
prepared for unexpected medical bills that can take a great share of your savings if you don't have any
coverage.
4. Pet Health Care Costs Are Rising
Prices are constantly increasing in all industries and pet health care is no exception. The average American
pet owner spends around $500 on their pet per year. This is another reason to get pet insurance sooner
rather than later so you avoid spending more money further down the line if your pet gets sick or suffers
an accident.
Only routine vet visits cost more than $240 per year for dogs and almost $180 for cats according to the
2021-2022 American Pet Products Association National Pet Owners Survey. If you want to add other
services as part of your pet's routine care, you can pay thousands of dollars per year. For example, dental
cleaning for dogs costs between $500-$1000. Dog grooming costs up to $75 depending on the dog's size.
All these costs easily add up at the end of the year and pet insurance can ease this financial burden.
5. Pet Insurance Is Flexible
Another advantage of pet insurance is that you can customize your plan depending on your pet's age,
health, and of course, your finances. If you have a dog with long hair, for example, you might want to get
a wellness plan that can cover the grooming costs. These pet insurance plans also include other routine
care expenses and can even cover diet foods or supplements. So, if your cat has kidney problems or a skin
allergy and needs a special type of food, you can get a wellness plan that covers this expense.
You can add different riders to a basic insurance policy to get coverage for different veterinary costs.
Moreover, you can customize your coverage limit and take out insurance for several pets, which can also
give you some discounts.
6. Pet Insurance Is Easy to Use
Pet insurance is not hard to use. After comparing different plans and choosing the one you find most
suitable for your pet, you have to pay for the insurance coverage monthly. The insurance company will
calculate the value of your monthly premiums based on your pet's age, breed, and your zip code. When
you go to the vet, you'll pay for their services regularly and then submit a claim to the insurance company
with the proof of payment and wait for the reimbursement.
7. You Can Choose Any Veterinary
Pet insurance is also flexible in terms of vet choices. No matter what plan you opt for, you are not forced
to choose a certain veterinarian. You can go to any vet’s office, pay for their service, and then submit your
reimbursement claim to the insurance company.
Being able to choose any vet allows you to offer your pet the best care. You can take your dog for grooming
to a certain vet and for regular checkups, deworming and vaccination to another one, it’s entirely up to
you.
Some insurers have a network of veterinarians. If you choose one of their vets, you can walk out of their
office without paying a dime as the company will pay the vet directly for the eligible services up to your
coverage amount.
8. You Don’t Have to Tap Into Your Savings Account
If your pet suffers injuries in an accident or develops a severe condition, you might have to pay thousands
of dollars to get them diagnosed and treated. Without an insurance plan, you have to pay these costly
expenses all by yourself. This might mean tapping into your savings account, which is something you might
not want to do if you are saving money for a house down payment, college, or another goal. Pet insurance
eliminates the unpleasant situation when you have to choose between your pet and your wallet.
9. Insurance Is Important for Older Pets
Pets have a different life expectancy depending on their overall health, genetic factors, and their breed.
However, the older they get, the more likely they are to start developing different conditions.
For example, dogs, especially large breeds, are more at risk of ligament problems as they get older.
Cats
are not devoid of age-related health problems either. Many of these pets start having kidney issues and
urinary tract infections as they age and the kidneys stop functioning properly. Heart diseases, diabetes,
and cancer are just some of the serious conditions both dogs and cats can get diagnosed with as they get
older.
Treating these conditions or at least keeping them under control can require thousands of dollars in
medical bills. Pet insurance helps you be prepared for any pet health problems and related medical care
costs.
10. You Gain Peace of Mind
Having a cat or a dog is great, but it comes at a cost. When pets become family members, you have the
responsibility to take care of them. This implies a lot of different aspects from training them to giving them
healthy food and taking them to the vet for routine checkups. Pet insurance can help you with all these
expenses by providing you coverage for a wide range of services from behavioral therapy to diet food and
supplements and other vet expenses.
Besides helping you minimize the toll pet health care can take on your finances, an insurance plan also
provides peace of mind. Knowing your pet is insured in case of any medical emergency can be a comforting
thought, especially if it’s old or its breed makes it more prone to developing certain conditions.
Conclusion
Pet insurance has got your furry friend covered in case of illness or accidents. Moreover, there are also
wellness pet insurance plans that cover a wide range of vet expenses including behavioral therapy,
grooming, vaccinations, blood work, and plenty more. Pet insurance is flexible and can offer you peace of
mind. With this insurance, your pet is well taken care of in case of emergency while your finances remain
intact.
){kind=logo}
)
){kind=icon}
){kind=icon}
){kind=icon}
)
)
)
)
)
)
)
){kind=logo}
){kind=logo}
)