Pet Insurance
We have insurance for pretty much all of our worldly possessions, as well as our own lives and health, so why wouldn’t we have it for our pets as well?
The love of our pets is priceless, but their veterinary visits certainly are not! The cost of veterinary care is continually on the rise along with every other cost of living. Just a routine annual exam with one or two vaccinations can cost anywhere between $100 and $300. The cost of an unexpected injury or illness to your pet can easily cost thousands. This can be devastating if you are not prepared for it.
Most pet owners know that they will have to spend a certain amount of money per year on their pet’s health. This amount will vary from home to home depending on the type of pet you have, of course. However, a pet insurance policy can reduce those known costs, as well as help tremendously in the event of the aforementioned unexpected injury or illness. Whether you currently have a pet, or are considering adding one to your household, it is a good idea to sit down and estimate how much you KNOW that you will spend per month or per year and use that as your starting point. As you move forward and look into insurance policies, make sure to choose a plan that will cover those known costs, as well as the unexpected ones. You can choose the type of coverage you need based on your budget. There are plans that will cover just the “big and unexpected” costs, as well as plans that will additionally cover the “small” costs such as routine visits, vaccinations, heartworm preventatives, and teeth cleanings.
Pet insurance premiums vary depending on the insurance company, your location, type of pet, breed, purebred vs. mixed, and age of the pet. Breeds that are predisposed to hereditary conditions or health issues will generally cost more than ones that are not. Premiums for an older animal are typically more than for a younger one. Insurance for dogs tends to cost a little more than insurance for cats. These are just a few of the pet insurance tendencies.
There are many different pet insurance companies out there. We suggest speaking with your current home or vehicle insurance agent to see if there is something that they offer specifically for pets. If not, there are many that you can easily get a quote from online. Some of these include PetSecure, Trupanion, Petplan, Pets Plus Us etc. This is just a small selection; there are many more to choose from.
Pet insurance is not just limited to dogs and cats; horses, cattle, birds, and other exotics can also be insured. In the world of insurance, the possibilities are endless!
Look into pet insurance TODAY and prepare for your pet’s long-term health, as well as your own financial future.