Should I Buy Pet Insurance?

 Most pet health insurance companies will cover veterinary costs for diagnostic tests, surgeries, treatments and medication should your pet get sick or injured.

There are increasing numbers of companies offering pet insurance for animal guardians.  Just as in people the rising cost of health care in veterinary medicine has many people exploring options for pet insurance to help offset the cost. Unlike on the human side, veterinarians are usually not involved directly with the process. This is because vets typically don’t contact the companies to check on coverage or bill the insurance companies directly, as is often done in human medicine.

The decision as to whether buy pet health insurance involves a careful weighing of pros and cons of the additional costs to a household budget.  Premiums are most commonly paid monthly by pet guardians and are paid directly to the company. Most pet health insurance companies will cover veterinary costs for diagnostic tests, surgeries, treatments and medication should your pet get sick or injured.  Most companies will also provide for preventive care including vaccinations and heartworm blood testing, but these options may increase the cost of the premium for the animal guardian.

Thus, various companies will have different deductibles, maximum amount paid out, and pre-existing condition terms, which all need to be examined when shopping around for pet insurance. I would recommend choosing a plan that allows the guardian to choose their own vet, and that provides emergency care coverage, as well as covering specialist visits should they be necessary.

Congenital conditions that pets are born with such as patella luxations, hip dysplasia, entropion, and liver shunts may not be covered by many insurance companies.  Continuous life time coverage is also important for animal guardians, so that chronic diseases like diabetes or cancer will remain covered throughout a pet’s life.

If you are unsure of a pet health insurance to choose, Petplan Pet Insurance is a great company that has teamed up with 1-800-PetMeds to offer a 10% lifetime discount when you register your pet. Other popular insurance companies include VPI and ASPCA to name a few.

Do you currently have pet insurance for your pet? If so, which company have you used? Please feel free to share your experiences below in the comments section.

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33 Comments

  1. This pet insurance is very important for pets and also this insurance helps to get a pet treatment for the pets. It was helpful for injured pets to get normal life of pets…

  2. This pet insurance is very important for pets and also this insurance helps to get a pet treatment for the pets. It was helpful for injured pets to get normal life of pets…

  3. This pet insurance is very important for pets and also this insurance helps to get a pet treatment for the pets. It was helpful for injured pets to get normal life of pets…Rabbit Pet Insurance

  4. pet insurence must buy for the safety for there loved ones there is options means why these peoples are not using..

    normally insurence is for life safety even the dogs also have a life so lets saves those lifes also in this means….

    ———-
    Zaaak
    Rabbit Pet Insurance

  5. If you have been injured due to someone’s negligence ,it would best to mind all your actions because some insurance companies will do anything to save the money from compensating your injury. Best to always sought the best ones in town.

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  7. Thanks for providing information about the pet insurance. i am looking for the trustworthy company to obtain pet insurance to cover the expenses. Numbers of companies are available to provide the indemnity plans. After reading this blog, now I came to know how to get these plans.

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