Is Pet Insurance Right For You?

February 19, 2010

Is Pet Insurance Right For You?

Is pet insurance right for you and your pet dog?  Here is the question….”Can you afford an unexpected thousand bucks of expenses?” If not, and most of us can’t in this economy, then you should consider pet insurance.  The monthly payment may not be very appealing, but just like human health insurance, you’ll be glad you have it when you need it.

Medical care for pets, including tests and treatment options, is becoming more sophisticated and expensive. Some treatments and procedures are now available that were not previously possible. These advances in veterinary medicine mean that pets can live longer, more rewarding lives. However they can be expensive and dog owners need to be prepared for the expense.  Without insurance some pets do not receive the best possible treatment plan, and some may even be euthanized because their owners can’t afford the necessary treatment.  Fortunately, more dog owners are learning that reasonably priced pet insurance is available.

Just like human medical insurance, pet insurance companies charge premiums and there are deductibles for different policy plans. There might also be exclusions for older animals, pre-existing conditions and breed specific problems may be excluded. Be sure to check your policy closely and call the pet insurance company with any questions.  If you choose to go with a pet insurance policy, be sure and let your pet sitting company or anyone who provides pet services to you know about your coverage in case emergency care is needed.

There will come a time as every pet owner knows that their pet will require medical care. With a pet insurance policy, you can have some peace of mind knowing you will have help paying the medical cost for your pet’s emergencies or illnesses. 

Pet insurance coverage is available for dogs, cats, birds and exotic pets. Optional routine pet insurance coverage is also available. This includes vaccines and other routine wellness care. With most insurance providers you are also free to use any licensed veterinarian you want, even away from home.

This article was written by Kimberly Louloudis, owner of Fetch Pet Care of East Orange County and Northeast Orlando .   Kimberly can be reached at 407-545-8196.  Fetch! Pet Care is the largest national pet care company in the United States; serving 38 states in more than 2,000 cities and towns.

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3 Responses to “Is Pet Insurance Right For You?”

  1. Brent Says:

    Trupanion Pet Insurance is a company that I would recommend. A very nice feature they have to offer is their sliding deductible bar that automatically adjusts the monthly payment based on your deductible. I also noticed that PETCO recommends them.

  2. Ashley Says:

    I hope insurance for pets will not be that costly because if it isn’t, it will really be good and helpful to those animals around us.


  3. Pet insurance can be extremely helpful. The key is to know what kind of plan you need. There certainly are very cheap plans under $10 a month as well as expensive plans for over $60/month. I suggest you go for the cheap plan if you have a young dog and for the expensive ones for old dogs because they cover a lot more conditions. Also, if your dog lives in a hazardous area (near a major road) you might also take the expensive plans because there is a big probability you may need it. So far I’ve only used my plan for regular vet visits but a friend of mine needed to pay for surgery and his puppy’s pet insurance was very helpful in that.

    Hope that helps!

    Lory


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