Pet Insurance & You

One of the considerations that all pet owners must face is health care costs. Veterinarian care has become so sophisticated that some treatments can run into the tens of thousands of dollars.

Examples of treatments that can run in excess of $5,000 or more include hip surgery and cancer treatment. As a result, pet insurance has now become a serious consideration for passionate pet owners. When considering pet insurance pet owners need to ask themselves how much money are they willing to spend in order to keep their pet alive and ensure a minimum quality of life. We’re not talking about end of life care in which we may buy your pet a few extra months, but surgery to recover mobility as a result of injury, or cancer treatment in which treatment may ensure years of life.

If you’re willing to move heaven and earth to keep your pet alive, then pet insurance is highly recommended. It makes for a good piece of mind and saves you the anguish and guilt of euthanizing a pet because you couldn’t afford the treatment that would have saved it.

Pet insurance is different from human health insurance in several key ways. To begin with, you will have to pay for your pet’s treatment up front and then seek reimbursement afterward. Users of pet care policies have reported that claiming reimbursement is easy and quick.

Here are some other pointers when shopping for pet insurance:
• coverage is usually not comprehensive and most insurance policies will list which treatments are not covered and will offer alternative policies that cover such disorders at an additional cost
• monthly premiums range from $25 to $75/month, depending on pet’s age, size, and breed, and the deductible you’re willing to absorb

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