Pet health insurance is coverage that comes without a deductible. You foot the entire bill upfront for each month and submit a claim for payment when your pet is ill or injured. Without pet insurance, pet owners might be faced with a difficult choice if they can not afford a big veterinary bill. When you compare the cost of health care for an animal compared to human health care, a pet insurance plan makes great sense.
A good pet insurance may help cover preventative care: as well as emergency care. The monthly premiums are relatively small and affordable. However, the benefits of a good plan will pay off in the long run. In the case of emergency or chronic illness, the cost of treatment may far outweigh the monthly premiums. When your dog or cat needs surgery or other serious care, pet health coverage may provide financial relief.
The monthly premium for coverage comes without a deductible: so there are no co-pays. Pet insurance works by paying for preventative care and for visits to the veterinarian. Preventative care involves spaying/neutering, heart worm testing, vaccinations, booster shots, annual exams, and the prescription food and supplements for your pets need. If you have other pets, coverage may also apply to them.
Some policies offer coverage: even for genetic disorders or chronic conditions that your pet may have. If your animal has a hip problem, the insurance provider will cover the cost of the hip surgery. Some companies even allow coverage for breeds considered as high risk. Your pet can be the beneficiary of this type of coverage. For many pet owners, pet health cover allows pets to be taken to their favorite veterinarian, even if they do not have an annual exam. This type of veterinary care is very important, especially for senior citizens or those with chronic conditions. For the most part, though, coverage of routine vet care is not available.
Before you decide if you really need pet insurance coverage: take a good look at the cost. The premiums vary greatly and the amount you will have to repay is also dependent upon the type of policy you buy and how much deductible you choose. You must pay attention to these details before you decide, as a large premium could quickly lead you to financial hardship.
To make sure you are covered in case of an accident: you can purchase a policy that covers both you and your dog. Pet health cover can be obtained from a wide range of veterinarian or animal insurance providers. They come in all shapes and sizes and can be tailored to your particular animal. If you are uncertain about which company is best, then get some referrals from people you know and trust. Ask them to recommend a company they had good experiences with.
Most health insurance plans: cover vaccinations and other routine procedures that should keep your pet healthy. Unfortunately, there are some life events that will exclude your pet from getting such care. This is why it is so important that you understand the details of your policy.
The biggest thing you need to know is what types of coverage are included in your plan and what kinds of exclusions exist.
