How Much Does Pet Insurance Cost and What Is Covered

If you have a pet, perhaps your veterinarian informed you of some insurance plans that are available to help you with the cost of rising veterinarian bills. Let's face it, many people who love their pets simply cannot afford to take their pets to get the care it needs because they do not have the money they know it will cost. Often, the office visit alone is $50 or more, then the cost of treatment, if the pet needs to stay at the veterinarian office, they charge for this as well. It can get very expensive quickly and can add up to $1000 or more. With pet insurance, you can recover these exorbitant high costs.

The cost of pet insurance is often much less than people think. For instance, a basic plan is often about $15 per month, but one that has the wellness option that cover annual vaccinations may cost $40 per month, which is still very inexpensive. If you have multiple pets, the companies will give you a discount if you insure both pets at the same time. Typically, you only need to wait 30 to 60 days before you can use the health insurance. Moreover, you must list any health problems your pet currently has because these may be excluded from the plan as pre-existing or have a longer waiting period.

The best time to insure your pet is when you bring it home as a puppy or kitten, that way you never have to worry about conditions that the policy does not cover. Having pet insurance from the very beginning of the pet's life makes the most sense because your premiums remain steady and will not increase as drastically as someone signing up for a new policy. On the other hand, if you adopt an adult pet and know nothing about their history, the best thing to do is to insure him or her as soon as you bring them home. This will help protect you from any underlying illnesses that you may not be aware of for several years.

Even if you only opt for the basic somekeyword plan, which is for emergency or long-care treatment, it is still a wise investment because you can have the protection you need to make sure you pet always receives treatment when they need it.

It is wise to do some comparison shopping and look at some reviews online for the various insurance companies for pets because this will give you a birds-eye view of what the plan is like for those consumers that already have it. Just like with human health insurance, some of the insurance for dogs and cats are better than others, therefore, make sure to read as many reviews as possible so that you can select a plan that will in fact pay claims quickly and correctly.