Pet Insurance Covers Sudden Veterinary Expenses

Pet Insurance Covers Sudden Veterinary Expenses

As a pet owner, pet insurance is a purchase worth considering, especially if money is tight each month. Unexpected vet bills can be devastating, and an insurance policy can help.

There is one area, though, that can really set you back. This applies no matter what kind of pet you have.When your pet becomes ill or has an accident, expenses will come fast and often.

If you're a cat owner and you're thinking my indoor cat can't get hit by a car, think again. Indoor cats have been known to get out when busy owners are not looking. In addition, there are many dangers to your pet around the house as well.

There are many stories of cats needing medical treatment after eating something they shouldn't have at holiday time. Dogs' and cats' guts are not meant to deal with things like "Silly String."

Pet emergencies can be very costly. Even without an accident, your cat may still become ill. Cats are prone to diabetes, heart conditions, worms, and any number of other conditions.

What is pet insurance all about? I don't want to bring you bad luck, but what happens if you take Fifi to the vet and she's diagnosed with a major illness? Your expenses could run in the thousands for diagnosis and long term care. The main purpose of pet insurance is to help pet owners lessen the impact of health care costs for their pets by paying small monthly premiums for a health care insurance policy.

Do you really need an insurance policy for your cat or dog?

One of my cats has a serious heart condition, and I did not have pet insurance at the time. When she began to show symptoms of a problem the vet determined that she had a heart murmer. I was willing to pay the vet whatever he wanted to find out exactly what was going on. Having been through this experience with one of my cats, I can say that having pet insurance coverage for her would have been a big weight off my shoulders.

Something that truly surprised me was that through each step of the process, my vet kept saying that we could stop if the costs were too high. I kept telling him that I didn't care about the cost, only about my cat!

On the other hand, I know someone who is still paying the $3000 worth of vet bills for a dog she had who died several years ago. If she had had a pet insurance policy, it would have been covered.

The Good: Pet insurance gives you as a pet owner peace of mind and ease of wallet. To be able to budget your pet's health care costs over the life of your pet can give you a sense of freedom both financially and emotionally.

Most of us are on a monthly budget. Incorporating your pet insurance premiums (and therefore the cost of your pet's health care) into that budget helps you avoid sudden and unexpected expenses. You won't have any unplanned-for out-of-pocket expenses if your pet becomes ill or is involved in an accident. One thing I learned early on as a cat owner is that vets are not cheap!

You can choose from different plans from various companies, some of which pay up to 100%, and require no physical exam. In some cases, there are no annual maximum benefit restrictions. You can even get routine care, such as vaccinations and prescription flea medication covered. Some company plans, such as VPI Pet Insurance, will even cover spay and neuter procedures. See the details of the VPI Superior Plan plus Routine Care Coverage at VPI's web site.

As long as he is not subject to one of the exclusions, your pet is guaranteed to be accepted by PetCare Pet Insurance. As with all insurance, you may cancel the policy at any time if you feel it is not in the best interest of you and your pet.

Customer satisfaction levels are high for customers of PetCare pet insurance.This type of coverage has allowed some pet owners to afford expensive treatment for their pets and in some cases has saved the life of the animal.

The Bad: Whether pet insurance is cost effective or not depends upon your circumstances. Some who have purchased policies say that buying coverage for a young indoor pet is more expensive than paying a veterinarian for what the cost of their pet's health care would have been. Young and small house pets are rarely involved in accidents and only very occasionally become ill.

There are age and breed restrictions, so check with the particular insurance company you've chosen for the fine print and to see if your pet is elligible. As with most insurance policies, there is a grace period in some cases, as well as some exclusions.

As an example, you must keep up with regular vet visits and vaccinations as a requirement of your continued PetCare Pet Insurance coverage. Check with the company providing your coverage to ensure you comply.

The Ugly: For cat or dog owners who have pets that are older or those that live outside, pet insurance is an excellent value. For owners of very young animals or those that live inside, the expense of the policy of pet insurance may be greater than the dollar amount of the protection it provides.