For many people, their pets are very much a part of their family, and they care for them as much as they would any child, parent, or any other family member. Pets do get sick, and there are accidents, and the cost for an unexpected illness or accident can be very costly. As you do your research, you must consider your needs, and what type of coverage you are looking for. Your pet may be young and perfectly healthy now, but it is too late to buy pet insurance when a catastrophic illness or accident occurs.
Basic Insurance May Work For You
Ask plenty of questions of the potential insurer, get as much background information about the company as possible, such as, length of time they have been established, talk to some of the people that deal with them, and even check with your veterinarian, and get his or her opinion about the potential insurer. A reputable provider of pet insurance should have no reservations about answering any of your questions. The very basic policy typically covers accidents, illnesses, vaccinations, as well as routine health checkups, and many providers cover deworming, teeth cleaning, as well as spaying and neutering. It is important to know what kind of illnesses your pet’s particular breed is predisposed to, to make sure that the policy would cover them. Hereditary diseases can be an issue, so it is vital that you have a thorough understanding of what the provider will cover. Bear in mind that simple health screenings, such as MRIs, X-rays, medications, even the initial veterinary visit, can add up and really tax you wallet.
The unprepared pet owner would be faced with a tough decision should the unthinkable occur, such as trying to wait until they can afford to take their sick pet to the veterinary, thereby initially foregoing getting the care that their pet so desperately needs. Such actions could have disastrous results. Unlike health insurance for humans, veterinary costs continue to rise, and since the veterinary industry is not regulated, they are not pressured to keep the fees and costs associated with pet health care down. There are so many more specialized and sophisticated tests and treatments that the fees and costs for pet healthcare will continue to rise. Having pet insurance is a great way to hedge against those most unexpected emergencies, when you least expect it.
Higher Level of Benefits Beyond Routine Preventive Care
Apart from basic coverage, there are pet insurance policies that are more comprehensive, and cover costs associated with pre-op and post-op surgery, anesthetics, even boarding your pet if a family member cannot do so; some may even offer transportation to and from appointments, as well as expenses associated with burial or cremation. Some policies may even provide grief counseling. Some providers may have a higher level of benefits, where the insurance company would satisfy a claim against your policy if your pet bites someone, and may have a provision for legal representation is the claim is taken to court. Little known to many, some pet insurance policies will aid in advertising if a pet is stolen or goes missing, and there may be the added benefit of replacing the pet if it is stolen. These higher level of benefits are unique, and may have a cap on the dollar amount to be covered, and may require a deductible. Some providers may even provide alternative treatments, such as acupuncture. If you are willing to pay for that little extra piece of mind, you might even find that some insurance providers will even assist the policyholder in finding a qualified care giver to take your pet in while you are ill or recovering, or if you want to travel. So with all that pet insurance may offer it is ever so important to get as much information as possible, to know exactly what you are paying for.
It is essential that you know what your policy will cover, and it is equally essential you know what the exclusions are. If there is a waiting period, have a clear understanding of the time frame, as it varies from policy to policy. Pre-existing conditions may not be covered, certain conditions associated with different breeds may not be covered, as well as certain dietary needs, and even treatment related to pregnancy or a difficult birth may or may not be covered. As policies vary widely, it is important you have a clear idea of what is important to you and your pet, to be able to make the wisest choice for pet insurance.