“When we get sick, we are always happy to have health insurance. When it comes to our pets, many of us feel they should enjoy the same thing. Much like health insurance for humans, there are now numerous companies that offer health insurance for pets, and it covers much of the same things that human insurance covers. Best of all, there are also a variety of plans, all with different coverages and premiums, so regardless of the coverage you desire or your personal budget, you can find a plan that is perfect for your furry family members. Consumersadvocate.org is a excellent resource of reviews for pet insurance providers.”
Why a Pet Insurance Policy?
Policies that cover pets’ illnesses and other medical conditions usually include coverage for basic illness, accidents, surgery, and even well-care visits. Each policy is different, so it is advised to read the policy thoroughly, but all of them are comprehensive, fair, and reasonably priced. Most policies cover 80% of the treatment or visit, and they usually include emergency boarding fees, medications, surgical visits, and even insurance when you are travelling overseas. As with most health insurance policies, pre-existing conditions, conditions related to pregnancy, and elective procedures are not usually covered. With these few exceptions, a good policy will cover nearly everything that could happen to a pet during its lifetime.
Read the Policy Before Purchasing it
Since each pet insurance policy can be different than the next one, it behooves the pet owner to read it thoroughly before deciding to purchase it. Although most people agree that the costs involved with an insurance policy for pets are well worth it, there are still some important details to know which can only be explained by reading the policy thoroughly.
Pet health insurance policies can be purchased for cats and dogs as young as eight weeks old, and they do not apply to pets over the age of nine years, unless the pet is already insured by the policy. There are excess amounts, but these are quite low—usually no more than $200—and the coverage amounts are high, so even if your pet’s medical conditions cost a lot of money, they are likely to be covered under most of these policies.
Are They Worth it?
Insurance policies for pets are definitely worth the small price you pay for them because they cover nearly everything that a pet might endure. Most insurance companies can be found online, and you can even purchase the policy online, which means that in most cases, it is effective immediately. Best of all, pet owners can use their own veterinarians, which is comforting to everyone. From broken bones to surgery and even prescription medications and illnesses, these policies cover what is important, which means that your pet will always be covered and therefore well cared for. Purchasing an insurance policy for pets means less stress—especially economic stress—because you know that if something does happen to your beloved pets, the policies will accommodate them.