About Pet Insurance

Pet Insurance

If you have a pet, you know that pet insurance covers your dog or cat in the event of accident or illness. Like people health insurance, it can also cover wellness veterinary visits, which are an important part to your pet’s health maintenance. Policies can also include costly medications.

The cost of veterinary visits are high, and a pet insurance policy can save you money for emergency visits and operations. It will ensure that your pet gets the proper and best attention, even if you are not able to afford the cost at the time of illness. It will also take care of any chronic illnesses from which your pet may suffer, the cost of which can quickly add up. As your dog or cat ages, pet insurance can become extremely important. Pet owners spend as much as $12 billion annual on their pet’s care. Many pet owners give up their life savings in an effort to maintain their beloved pet’s health. In view of rising veterinary costs, pet insurance simply makes sense. Like human health insurance, having pet insurance can alleviate worries about finances and the ability to provide proper care.

One in three pets needs unforeseen health care. Advances in veterinary medicine make possible new treatments and procedures for pets that were not available just a few years ago. Procedures such as kidney transplants, radiation therapy and many others once only available only to humans are now offered to pets. These new treatments can save your pet’s life. They are, however, expensive, and pet insurance goes a long way to helping with the financing hardship. Veterinarians also use more sophisticated and expensive tools, such as MRI, to screen pets. These screenings not only increase expenses, they can reveal problems that would have gone untreated without sophisticated detection methods. Your dog and cat are getting better health care than ever, and the increased cost makes pet insurance a necessity if you want to keep your pet in as healthy condition as possible.


Before buying pet insurance, consider the following:


1. Know what the benefit schedule is. The benefit schedule spells out the treatments that are covered and the amount that will be reimbursed. Some plans pay a percentage of the bill.
2. Purebred dogs and cats frequently have genetic illnesses. If your pet is purebred, you need to know if your policy will cover this.
3. Know exactly what the policy covers and does not cover.
4. Be aware of what the per incident limit of your policy is. If your pet needs surgery that costs $4,000, and your policy’s limit is $3,000, you will have to pay the difference of $1,000 out of your own pocket.
5. Understand whether your policy covers pre-existing conditions.


Too few pet owners have health insurance for their pets, and the cost of care can sometimes necessity putting a beloved pet down. Pet insurance, which is relatively inexpensive, can prevent such a drastic step.