Most of us own some kind of insurance on our life, our health, our vehicle, and our home, but when it comes to buying pet insurance, it may not seem like such an obvious purchase. The truth is that the majority of pet owners do not have pet insurance, which can end up being a very expensive mistake down the line. If you have been asking yourself, “Should I get pet insurance?” then it is worth learning a little more about just what this kind of policy has to offer.
How Does Pet Insurance Work?
Perhaps the first thing that you should know about pet insurance is that it does not have to be extremely expensive. In fact, many policies might only set you back a few dollars per month, yet could save you hundreds or even thousands of dollars over the life of your pet. But, most pet owners would agree that the biggest benefit of having pet insurance is that it helps to ensure that your pet will always get the medical care that he or she needs.
There are several different types of policies that you can choose from, depending on the age of your animal and the type of animal that you have. Most pet insurance policies are designed for either dogs or cats, though you may be able to find some policies that are specific to other types of pets.
What Features Do Pet Insurance Policies Have?
Much like buying a life insurance policy for yourself, it is often times much more convenient to buy a pet insurance policy that does not require any kind of physical exam before the policy goes into force. Instead, most policies allow you to sign up at any time, and will simply and force a waiting period before larger claims can be filed. This helps to prevent people from purchasing a pet insurance policy after they have found out that their animal needs medical attention.
The majority of pet insurance policies require you to pay upfront when your animal needs care, after which time you will file a claim and then receive reimbursement from the pet insurance company. If you have ever gone to a doctor or dentist who is out of your policies plan, then this works in very much the same way.
Are All Pet Insurance Policies The Same?
Policies for dogs are somewhat different than policies for cats because different animals to suffer from different illnesses and conditions. For instance, they may suffer from a variety of diseases that are specific to felines, including diabetes and kidney failure. On the other hand, a dog may be more prone to injury as a result of being outside.
You will also find that there are different levels of insurance that you can buy, much like the health insurance that you have for your family. The most basic type of pet insurance helps to cover basic accidents and illnesses, while more comprehensive pet insurance plans cover regular veterinarian visits, vaccinations, and even dental cleanings. If the health of your pet is important to you, then having these types of routine visits to the vet are extremely important.
Is Pet Insurance Appropriate For All Pets?
Some pet owners believe that because they have an animal who is rarely outdoors or is never in contact with other animals that they will never require pet insurance. It is important to remember that the longer you have your pets, the more prone to date will be to some of the conditions that are part of the normal aging process.
Unfortunately, even a minor veterinarian visit can cost hundreds of dollars, making the investment in pet insurance worthwhile, particularly as your pet gets older.
Will Pet Insurance Save You Money?
In the long run, most pet owners find that pet insurance actually saves them a lot of money and not just when major illnesses and accidents occur. Perhaps the best reason to have pet insurance is that it actually helps to encourage you to get your pet to the veterinarian for regular visits and maintain their health throughout their life. Rather than waiting for a problem to occur, you can use the same kind of preventative care for them as you would for yourself.
Where Can You Get The Best Policy?
You will generally not find pet insurance policies sold by the same types of companies that provide you with your health, life, or dental insurance, but you can purchase high-quality pet insurance policies online. In most cases, you will be able to get an online quote based on the type of pet that you have, it has gender, age, and any existing medical conditions. By using an online pet insurance policy quote process, you will be just minutes away from having your pet’s health insured.