Think You Can Do Without Pet Insurance Think Again

Should I take out pet insurance? one of the most lip-chewing questions you ask yourself when you first become a pet owner.

Quite obviously, many pet owners answer No. A recent survey found that 85 per cent of dog owners and 83 per cent of cat owners have no pet insurance.

Whats more, another survey found that of ALL the types of insurance you can get, pet insurance is the most confusing! There are so many providers, so many levels of cover and so many exclusions and inclusions that the easiest thing to do is just give up.

But should I insure my pet? is not really the right question to ask. The real question is, How important is my pet in my life?

The most common type of Pet insurance you can take out is pet health insurance insurance that helps to pay vets bills for your dog or cat. Vets bills are rising by an average of 11 per cent per year and one single treatment can easily cost hundres or even thousands of pounds. If you cant afford the treatment, your pet will have to be put down.

But medical insurance is by no means the only type of pet insurance. Insurers offer a range of policies that enable you to insure against almost anything. For cats, the most common problem after medical problems is disappearance and you can insure aginst your cat wandering off, being stolen, and costs of advertising and rewards.

With dogs theres a much wider range of things that can happen not only medical and theft/disappearance but, crucially, third party liability. This type of pet insurance covers you if your dog bites someone or causes a road accident, or damage to someones property. This can run into huge sums, both for compensation and legal fees. The growth in the compensation culture means all this is much more likely than it was even ten years ago.

So, have you fallen in love with an appealing puppy or kitten? Its so easy to do, isnt it? But its astonishing how few owners research the costs of pet ownership before taking on a dog or cat food alone can cost hundreds of pounds a year, plus equipment like beds and toys, and routine medical costs such as vaccinations, neutering and flea and worm treatment. This is one reason why there are such huge numbers of stray dogs and cats on the streets, and homeless pets in rescue centres.

Do you know how much you can come to love your pet? Do you really want to be faced with the choice of having your pet put down, or going into serious debt to pay a bill you cant afford? This DOES happen many, many times. Faced with this possibility, pet insurance seems the only sensible way to go.

Keeping Your Pet Without Losing Your Wallet

Anyone who has dependents knows about the peace of mind that comes from having all personal property and loved ones well-insured and safe from catastrophe. Many motorists would never dream of driving their beloved cars without protection from the unexpected. Homeowners are required to carry home owners insurance in case of a disaster, mainly to protect the bank that carries the mortgage. Shouldn't the family pet have some protection against emergencies as well?

Veterinary pet insurance is similar to other kinds of healthcare insurance policies for people. Wellness plans generally cover preventive healthcare such as vaccinations, check-ups, and spay and neuter services. Other plans are much more comprehensive and include routine care and preventive medicines such as heart worm formulas. But many choose policies which cover accident or illness of their pet to insulate the family finances in case of an expensive surgery or other corrective procedure.

Modern medicine can nearly perform miracles. But these miracles do not come cheap, and denying care to a sick pet in need is a heartbreaking decision to have to make. With a good insurance policy for your pet, you need never face such a decision. By making small payments on an insurance policy, you will know your pet will be well cared for without fear of the astronomical fees associated with urgent or emergency care.

The cost of healthcare in this country continues to climb for us humans and for our animal friends. By fully insuring your pet, you are making certain that your pet will receive the best care possible in the case of illness or accident. With veterinary pet insurance, you will not have to compromise your pet's health while waiting for the right month for the family budget to absorb the hit of a costly treatment.

When comparing pet insurance, read the fine print to determine if any services are excluded. It would be frustrating for a pet owner to find out that the very service their pet needs is not covered by their policy. Look for a policy that covers a wide variety of services with few exclusions.

Just about any pet owner will share with you the pleasure they receive from caring for an animal. A lovable pet can provide your family with years of fun and joy, and can be a great way to educate children in responsibility and compassion. Providing your furry friend with veterinary pet insurance can be the best chance to ensure the longest and healthiest life for your pet.

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.