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 the best pet insurance, your pet is well taken care of in case of emergency while your finances remain intact.

Top 7 Reasons To Get Puppy Insurance

Getting a puppy is an exciting experience, but it also comes at a cost. Puppies need special food, vaccination, and regular checkups. All of these cost money and these fees are small compared to what you have to pay if your puppy gets sick and needs medication or if they have an accident that requires surgery. These are situations when pet insurance can step in and cover some of the costs associated with your puppy's health care. If you are not yet sure what this insurance can do for you, here are the top seven reasons why you should get insurance for your puppy.

1. Covering the Costs of Different Health Conditions
There are plenty of health problems affecting dogs of any age and breed. One of the primary purposes of pet insurance is to get puppies and older dogs covered in case they start developing health issues. An important aspect to keep in mind is that insurance companies typically only cover expenses for newly diagnosed diseases. If your dog already has a recurring healthy problem, it will be treated as a pre-existing condition and you won't be able to get reimbursed for the expenses related to its treatment. This is why you should get pet insurance early, before your puppy turns into an adult dog and is more likely to develop health problems.

Some of the most common types of conditions affecting dogs include ear and eye infections, digestive problems, allergies, skin problems, and ligament issues. Dogs can also get diagnosed with cancer, heart disease, diabetes, and different other serious and potentially life-threatening diseases. Paying for tests and treatments can put a strain on your finances. With pet insurance, you can gain peace of mind as the insurer will cover most of the expenses, up to your coverage limit.
 

2. Being Able to Enjoy Lower Monthly Premium
If you have a puppy, you should consider getting pet insurance sooner rather than later for financial reasons too. Pet insurance for puppies often costs less than it does in the case of older dogs. Insurance companies price their premiums depending on the pet’s age. Since older animals are more at risk of developing diseases that require treatment, insurance companies apply higher costs to cover those dogs compared to younger ones. 

3. Reducing the Cost Associated With Accidents and Injuries
Puppies are full of energy, which is great when you play together or go to the park to let them run freely and enjoy nature. However, because of their high energy level, puppies often get into trouble. Whether you keep them indoors or outdoors, there are myriad ways in which puppies can get hurt. From jumping and hurting their paws while landing to eating something they found on the street or getting hurt while exploring their new home, there are countless dangers for mischievous puppies.   Even the most basic pet insurance plan covers puppies in case of accidents. With surgery bills potentially amounting to thousands of dollars, it's worth paying around $50 a month for pet insurance. The carrier can cover most of the vet bills if your puppy has injuries resulting from an accident and needs intervention and medication. Usually, pet insurance carries cover up to 80% of the expenses related to accident or illness.


4. Taking Care of the Puppy's Grooming Needs and Other Wellness Costs
Aside from injury and illness-related expenses, pet insurance can also cover different other costs for routine care. These additional costs are covered by wellness plans that can include, among others

·         Deworming

·         Dental cleaning

·         Grooming

·         Blood work

·         Physical exams

·         Urinalysis & fecal tests

·         Spaying and neutering

·         Flea and tick treatment

·         Behavioral therapy

·         Microchipping

·         Nail trimming

·         Supplements & prescription diet food

·         Chiropractic therapy

·         Massage therapy

·         Acupuncture

For a few dollars more compared to basic pet insurance, you can get covered for some of these additional expenses that enable you to pamper your puppy and offer them the best care.

5. Making Sure Your Pet Gets Good Care for Hereditary Conditions
Hereditary conditions are those pets inherit from their parents. Most pet insurance companies don't cover these conditions if the pet already started showing symptoms before the owner got the insurance policy. Therefore, it's important to get pet insurance as soon as possible, when your pet is still a puppy. This way, you avoid letting such problems appear before your pet is insured. Most pet insurance companies allow you to enroll puppies as young as eight weeks. Some even accept six-week-old pets.

6. Having the Chance to Choose Any Vet
The good thing about pet insurance is that your choices won't be limited when it comes to the vet you want to work with. This type of insurance allows you to claim reimbursement for the eligible bills you pay in any vet's office. So, you can take your puppy to any specialist depending on its needs and your preferences. Some insurance carriers also have a network of vets and pay these professionals directly after insured pet owner use their services. This makes things easier for pet owners as they no longer have to submit reimbursement claims.

7. Offering Your Pet Access to the Best Health Care
Pet insurance gives you access to the best health care services, which you might not be able to afford if you were to pay these costs out of your pocket. Tests such as CT scans or X-rays can reach hundreds of dollars depending on how many the puppy needs. Medication can also cost hundreds of dollars per year for chronic diseases and surgery can cost thousands of dollars. Pet insurance plans are flexible and allow you to choose the coverage type and limit. After you sign up for a plan, your pet will be covered for accidents and illness up to the coverage limit you chose. Moreover, you can add riders to your insurance or get a wellness plan to extend your coverage.

Conclusion

Pet insurance can help you out in plenty of unfortunate situations if your puppy gets sick or has an accident. The amount you have o pay for the insurance premiums is significantly lower compared to the hundreds or thousands of dollars you would have to pay for surgery or medication if your puppy falls ill. Getting pet insurance when your dog is still a puppy is a good idea as you will probably pay less for the insurance plan given your pet’s age.