Pet Insurance Dont Let Them Leave Home Without It

Pet Insurance Dont Let Them Leave Home Without It

So many people have pets today and more and more are concerned about the level of care they can provide their pets. In the United States there are over 150 million pets in our care. Two thirds of all homes in the U.S. have a pet which interestingly enough is 2 times the amount that actually have a child.

Pets are family. If you dont believe that then you probably dont own one. Over the years we have grown not only more accustomed to having at least one pet but to make sure we treat them like we treat ourselves. One of those big issues is Pet Health Care.

We make sure that from the moment we bring them home they get the same medical preventative care we all consider for ourselves. We start with a routine checkup and make sure they get all their proper vaccinations. Then we start them on a wholesome diet of dry or wet foods, making sure they contain the right mix of vitamins and nutrients.

Lets face it. We spend hundreds and hundred of dollars on our pets each and every year they are with us. We try and provide the best care we can for our little friends. We pay to groom them, shelter them, take them for checkups, for their Flea and Tick Control, vaccines, toys and a multitude of other services. We do all we can to make them happy.

So what else is there to do for our pets? How about insurance? What! Did you say Insurance? Yes thats what I said. If you realize that your pet has a one in three chance of getting injured or hurt in their lifetime you might want to consider it.

Pet health insurance is one more thing we can do for them. If they do get sick or injured Pet insurance can be the difference between giving them the best chance at getting better and surviving an injury or having to ignore the problem or worse putting the animal down.

When an unforeseen accident or injury takes place pet insurance can help pay for some of the unexpected vet costs. Our Min Pin recently needed to go to an emergency hospital. Fortunately she only needed some medication to get thru her problems. But while we were there we spoke to an individual that was having a third surgery on their poodle.

They were so in love with their pet, as we all are with ours, the costs to take care of an injured hind leg were staggering. This time it was going to cost approximately $5000. They had insurance so the costs to fix their pet were somewhat cushioned. It could have been a situation where they couldnt afford the costs and would have had to put her down.

After reviewing many of the different types of policies available it has been shown that a typical policy will cost between $2000 and $6000 per pet over the lifespan of the pet. Like human insurance it depends on deductible, age and other factors. Not a small sum but when you consider the most serious treatments cost $1000 to $5000 it can save you a lot of money.

Even small procedures like removing a few teeth can cost an arm and a leg. My male Min Pin at 17 years old needed some teeth removed. After anesthesia, extraction, boarding and medicine it cost over $1000 for the Vet bill. It was worth it because he was in so much pain but $1000 is a big hit for anyone.

So how much insurance should we get? That depends on a few factors. What can you afford? What kind of deductibles are there for each level of coverage? When are you going to purchase the coverage? What type of coverage do you want to invest in for the breed that you have?

With 4 types of insurance available, premiums will run more or less in the $20-$50 per month range. Getting the insurance at a very early age is the best no matter what type of coverage. The insurance companies charge more automatically just for an older pet.

The common forms of coverage are; Routine and Wellness, Genetic Condition, Chronic Condition and Major Medical. Each company provides, as does human health insurance, specific areas of coverage in each category. Animal Care is no different. They will even combine properties of each into one policy providing the broadest coverage possible. You might consider this the most attractive and it is but it comes at a price. Deductibles are generally higher for this coverage rather than a regular non-customized course of coverage.

Pet Insurance has been available to animal lovers for over 20 years. In the last 10 years with the sky-rocking costs of Vet care and better treatment regimens for our pets it is becoming more popular. Consider all the options available from each company offering the insurance. Choose the benefits most suited for your pets needs and condition.

The earlier you purchase the insurance the better. You can get it when they turn 6 8 weeks old. With all the options out there you can choose a plan that will meet your budget and the needs of your pets.