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.

Top 6 Reasons Why You Should Get Kitten Insurance

Bringing a cute kitten home is always a reason to be joyful. There are plenty of things you have to take care of to accommodate this new family member. Besides food, accessories, toys, and naturally, teaching the kitten what it should and shouldn’t do, there is another priority you shouldn’t overlook — pet insurance. Kittens need an insurance policy just as much as adult cats if not more. Here are the top six reasons why you should get kitten insurance.

1. Kittens Require Lots of Routine Appointments

Kittens need regular veterinary care. For optimum health and wellness, the American Animal Hospital Association recommends pet owners take their furry friends to the vet at least once a year. After a veterinarian sees your kitten for the first time, they can establish the frequency of future appointments based on the kitten’s health. If your pet has or is likely to develop a specific health problem, you might need to visit the vet more often than annually. It goes without saying that all these check-ups, as well as any treatment or intervention your pet, might require further down the line cost money. To get some of these expenses covered, you should take out pet insurance.

Among the most common routine care costs, you will find

·         Vaccinations: these start to be administered as soon as the kitten is 6-8 weeks old. As it grows old, there are boosters like those for rabies that are required periodically. Vaccinations are necessary for your pet’s health. Moreover, they are even compulsory in some states or may be required by landlords.

·         Deworming: this is essential especially if your cat lives both indoors and outdoors and is more likely to eat something they find outside and get intestinal worms. Also, many kittens simply get these while nursing.

·         Flee or tick prevention treatments: these need to be tailored to the pet’s needs and lifestyle and are essential to protect your kitten and home from these unwanted parasites.

·         Spaying or neutering: while most pet insurance companies don’t include these procedures in their basic plans, you could get a wellness plan that covers these costs. You probably won’t want to keep an unspayed cat indoors and let it go into heat.

2. Kittens’ Curiosity Can Get Them Into Trouble

Kittens are naturally curious which is one of the reasons that makes them so adorable. Nonetheless, this innate personality trait can get your kitten into a lot of trouble. From mild injuries such as grazes to more severe ones such as bone fractures, there are plenty of ways in which cats can harm themselves while exploring their surroundings.

Even indoor cats can suffer injuries if they miscalculate a jump and land in the wrong place or if they knock down heavy objects that fall on their pows, for example. Pet insurance covers the costs of accident-related care, which is the main reason why you might want to pay for a pet insurance policy.

3. Kittens Can Get Injured By Cars 

Another dreadful situation that you should take into account if you become a kitten owner and let your pet roam outside is the risk of car accidents. Cats are fast and agile animals, but at the same time, they are small enough so drivers often fail to see them. A car accident can lead to severe short and long-term consequences.

Paying hundreds of dollars out of your pocket in case your pet gets hit by a car is an expense you might want to avoid. With pet insurance, you can rest assured your cat will be well taken care of. Instead of paying a hefty fee, you’ll only have to pay the insurance company a small amount each month to benefit from accident coverage.

Moreover, you can get your kitten checked even if there are no obvious vehicular trauma signs, but your pet shows some symptoms that might indicate she was hit by a car, such as limping, scratches, or shock. The insurance can cover the costs of CT scans, ultrasounds, or other tests that can determine if your feline friend was injured by a car.

4. Getting Pet Insurance Early Might Lower Your Premiums 

Just like health insurance for people, pet insurance is paid based on a monthly premiums system. Insurance companies take different factors into account when establishing the premiums’ value. Your kitten’s age, breed, pre-existent health conditions, and your location are some of these factors.

Kittens as young as eight weeks old can get insured. However, the older the cat gets, the harder it is to get insurance as older animals are more prone to develop health problems. Therefore, the younger the cat is, the better it is for owners to get pet insurance. The price of the premiums depends on the pet’s age, with older cats often requiring more expensive premiums. Moreover, as the cat gets older, you might not be able to cover it for hereditary conditions if the related symptoms start showing before you take out the policy.

5. Early Check-ups Help Avoid Complications with Pre-existing Conditions

Just like humans, kittens can be born with congenital diseases or may develop in time some conditions they inherited from their parents, also known as hereditary conditions. While pet insurance can’t prevent these unfortunate circumstances, it can mitigate the financial burden pet owners have to carry if their pets develop such diseases.

By taking your pet to the vet for early checkups, they can start administering the necessary treatments if the pet starts showing any symptoms. The sooner you take your kitten to the vet, the earlier they can catch health problems and establish a preventive care routine. This will help your pet maintain good health while pet insurance can cover some of the related costs up to a certain limit.

6. Pet Insurance Can Help You Pamper Your Cat at Lower Costs

While basic pet insurance only covers accident and illness expenses, many insurance companies also offer wellness plans or riders. These allow you to pay extra to get coverage for additional routine care or grooming procedures. Such plans can cover dental care costs, nail trimming, microchipping, and behavioral training, among others. Some insurers also include vaccinations, deworming, spaying, and neutering, annual checkups, or prescription food in their wellness plans.

Conclusion

Pet insurance for kittens is one of the first things to consider when you get a cat. This type of insurance gets your pet covered in case of illness, or accidents, and can also cover a wider variety of expenses if you choose a wellness plan. Pet insurance for kittens will reduce the financial toll related to your cat’s veterinary expenses, allowing you to care for your pet the way it deserves to, without wracking your finances.