Pet Insurance Companies
Should you get insurance for your beloved pet? Learn about the top pet insurance companies that will give your precious fur buddy the care it deserves!
If you are wondering if you should get your pet insurance, then you are in a for a treat. Pet insurance basically pays for your pet’s veterinary treatment if ever it becomes ill or injured. Learn about the different policies these top pet insurance companies offer!
Is Pet Insurance Worth It?
Some people think that pet insurance is too expensive. That may be true, but if you think about it – we are used to paying thousands of dollars per year for our family’s health insurance, aren’t our pets part of the family and don’t they deserve the same kind of protection? In reality, paying for as low as $30 per month for pet insurance could end up saving your pet best friend.
Instead of paying $6,000 for a vet bill because your dog or can needs cancer treatment, a large part of it could get covered through pet insurance. Yes, it is heartbreaking to know that your dog has cancer, but it is even more painful if you turn down treatment because you can’t afford to pay the bills for it.
No pet owner wants to face that decision, that is why signing up for pet insurance is a great idea.
Understanding Pet Insurance
Pet insurance is just like any other health insurance for humans. Having a dog or cat protected by a top insurance plan can put your mind at ease knowing that unexpected medical bills would be covered.
There are three types of insurance coverage: illness, accident, and wellness. You can sign up for 1, 2, or all of this coverage depending on your preference.
Now, let’s discuss a little bit more about this different coverage.
1. Illness Coverage – A lot of pet insurance companies limit their illness coverage as your pet ages. That is why it is wiser to have your pet covered while it is still young to reduce pre-existing condition exemptions and your monthly cost. Illness coverage can cover diseases like cancer, UTIs, allergies, arthritis and more.
2. Accident Coverage – We cannot predict an accident, but we can plan ahead for potential incidents that could cost us a fortune. Every pet health insurance companies offer accident coverage that can include torn ligaments, bite wounds, broken bones and other pressing health needs.
3. Wellness Coverage – This type of coverage is always optional. You can pay for wellness expenses on your own, or you can invest a little each month with an insurance company to avoid out of pocket for routine visits to your pet’s vet.
Wellness plans can cover the following:
1. Spray or neuter
2. Annual examinations
3. Routine blood panels
4. Urinalysis
5. Stool testing
6. Vaccinations such as rabies, Bordetella, DHLP, parvo, Lyme, and giardia
7. Teeth Cleanings
8. Flea, tick or heartworm treatments
