Top 5 Reasons For Considering Pet Insurance

Top 5 Reasons For Considering Pet Insurance

Most people don't understand the value of a good pet insurance policy. Why? If your child was suffering from some form of illness or injury, you would not hesitate to get them to a doctor. In most cases, people work hard to maintain insurance for all human members of their family. So, why not obtain affordable pet insurance for your beloved
pet?

Do you have a pure breed of dog or cat that you paid a lot of money for? If so, don't you want to protect that investment? Perhaps you have a mixed breed dog or cat that gave you that look you fell in love with at the local animal shelter and they have shared your home and your life with you since that day. Don't you want to keep the one who stole your heart safe from pain and suffering? Here are some important reasons you should
consider, or reconsider obtaining pet insurance:

* Not Just for Sick Pets
* Isn't a Hassle
* Choose Your Own Vet
* Affordable
* You Can Get Good Coverage

Not Just for Sick Pets

In all actuality, you must have an insurance policy for your pet in place before they get sick, just as you have to with health insurance, auto insurance or homeowner's insurance for people. The policy is not only for emergencies, but it is a preventative step you should take for your pet to keep him as healthy and happy as possible.

Isn't a Hassle

If you choose the right pet insurance company, they make it easy for you to obtain your policy and to maintain records once you have used the policy. You pay the veterinary bills, submit the bills to the insurance company and you are reimbursed within a week for up to 80 percent of the bill, minus your deductible.

Choose Your Own Vet

Most pet insurance companies do not mess around with managed care, HMOs and PPOs. With a good company, you are free to choose your own veterinary care provider. Pet insurance companies are generally not involved in decisions made concerning treatment, care and cost for your pet. Although some insurance companies may follow up with your vet to get explanations regarding your pets examination and diagnosis.

Affordable

Pet insurance is more affordable than most people think. In most cases, a monthly payment for insurance coverage is the equivalent of the cost of a dinner for two. That really seems worthwhile, doesn't it?

Pet insurance premiums can vary according to these factors:

* The insurance company
* The type of insurance plan
* Your pet's age
* The species of your pet

You also have options to choose from concerning less costly plans, higher cost plans that have lower deductibles and lower cost plans with higher deductibles. Whichever option you choose is generally reasonable with most pet insurance companies.

You Can Get Good Coverage

Pet insurance is designed to help pay for the medical needs of your pet whether it is as simple as a torn toe nail or as serious as cancer. Insurance carriers have relatively few exclusions when it comes to coverage for illnesses or injuries.

Aside from congenital, hereditary and pre-existing conditions, most other situations are covered. Even these conditions may be covered for an additional fee.

What does all this boil down to? You usually don't think twice about paying for a nice dinner out on occasion. For the same cost once a month, wouldn't it be wonderful to never have to worry about how you would manage the stress and financial hardship of obtaining medical care for your sick or injured pet?

To learn more about pet insurance and what it can do for you and your beloved pet, please contact a knowledgeable expert.