Pawsitive Perks of Pet Insurance

Posted on February 07, 2024

by Dr. Amanda Gigler

Posted February 7, 2024

Did you know that every six seconds a pet owner in the US is faced with a vet bill of $1,000 or more?  What happens when that pet owner is you? With the increasing costs of everything, including veterinary care, pet insurance may be the answer.  Just like humans, our beloved pets can face unforeseen health challenges that require veterinary care, which can be financially burdensome. That’s where pet insurance comes into play. In this blog, we’ll explore the numerous benefits of pet insurance and why it can be a wise investment.  
 
1. Financial Peace of Mind: 
One of the primary reasons pet insurance is gaining popularity is its ability to alleviate the financial stress associated with unexpected veterinary costs. From routine check-ups and vaccinations to emergency surgeries and long-term treatments, veterinary expenses can quickly add up. With pet insurance, you can rest easy knowing that a significant portion of these costs will be covered, allowing you to make decisions based on your pet’s well-being rather than your bank account.  

  1. Comprehensive Coverage:
    Pet insurance policies typically cover a wide range of medical treatments and procedures. This includes accidents, illnesses, surgeries, hospitalization, diagnostic tests, medications, and even specialized treatments like rehabilitation and alternative therapies. Some policies may also offer coverage for routine preventive care such as vaccinations, flea control, and dental cleanings. By investing in a comprehensive pet insurance policy, you can ensure that your furry (or feathered) companion receives the best possible care without compromise. 
     
    3. Freedom of Choice: 
    Unlike human health insurance, pet insurance allows pet owners the freedom to choose any licensed veterinarian or specialist for their pet’s care. This means you can continue to visit your trusted vet or seek the services of a specialized provider, ensuring your pet receives the treatment they need without restrictions. This flexibility is invaluable, particularly in critical situations when time is of the essence. 
     
    4. Early Detection and Prevention: 
    Regular visits to the veterinarian are crucial for maintaining your pet’s health. Pet insurance can encourage proactive care by covering routine check-ups and preventive services, as well as providing a safety net if a problem is found . By having coverage for medical care, owners are more likely to schedule regular vet visits, allowing for early detection of potential health issues and timely interventions. This proactive approach can lead to better health outcomes and lower long-term healthcare costs for your furry friend. 
     
    5. Lifesaving Decisions: 
    In times of emergency or when faced with complex medical conditions, pet insurance can provide the financial means to make lifesaving decisions for your beloved companion. It eliminates the heart-wrenching dilemma of choosing between your pet’s well-being and the strain it may put on your finances. With pet insurance, you can pursue the necessary treatments, surgeries, or therapies that can make a significant difference in your pet’s quality of life. 
     
     
    When choosing a pet health insurance plan, be sure to research the costs, coverage, and fine print, as plans can vary widely. Things to look for as you research include: 
  • Breed and age restrictions 
  • Additional costs for certain breeds or types of coverage (e.g. behavior consultations) 
  • Deductible amounts – this can impact the amount of your monthly payment; typically the higher the deductible, the lower the monthly payment 
  • Waiting periods – be aware of when your pet would be covered by the new plan 
  • Type of reimbursement – many plans reimburse the vet clinic directly, but most require you pay in full at the time of service and reimburse you days or weeks later.  

While pet insurance works great for many, it may not be ideal for everyone. Another great option is creating a savings account for your pets’ health needs, and depositing money on a regular basis to create an emergency fund for when something unexpected happens with your pet’s health.  

If you have more questions relating to pet health insurance, please contact us via phone, email, or text, and we are happy to discuss this important topic with you!

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