If you have a pet, we’re pretty sure you take care of it as if it was a family member. Nurturing and protecting a pet can be as demanding as it is with people. There might be situations that we hadn’t anticipated financially, and that’s when pet insurance might be able to help.
There are several insurance companies that are specializing in pet insurance health coverage plans. Besides, it is becoming more and more common for people to adopt animals that were living on the streets. It makes sense that we want to take care of our pets just like we do with ourselves. After all, they’re always there for us.
What Is Pet Insurance?
Pet insurance, or pet health insurance, is designed to cover similar situations to what human health insurance would. It usually covers the medical expenses we would have to pay ourselves in case of an injury or emergency.
It can come quite handy, as veterinary bills tend to be quite high. The advantage of having pet insurance is that it will give us a hand when our pet needs to receive any kind of medical treatment. The downside on this, though, is that we will have to cover such expenses upfront, and then submit a reimbursement claim. This can mean the difference between our pet receiving the attention they need or having to arrange them being put down.
What Does Pet Insurance Cover?
Pet health plans might vary from one insurance company to the other, but there are some common situations they will all cover. However, most of them will cover the medical expenses in case of an accident, like a broken bone, object, injection, even car accidents. They will most likely cover illness, emergency care, medicine prescriptions, cancer treatment, and even physical rehabilitation.
There are restrictions to what pet insurance plans will cover, just as it happens with health plans in general. Pre-existing conditions, cosmetic procedures, behavioral issues, as well as routine and wellness care won’t be covered by most policies out there. Still, always remember to check with your carrier for any specific needs or questions you might have.
Why Should I Get Pet Insurance?
For most of us pet lovers, the health and well-being of our little friends are one of our top priorities. One thing that might be one of our top concerns, though, maybe veterinary expenses. When there is an emergency, say your dog eats a sock (it has happened), the expenses can be high. With a pet insurance plan, we don’t really have to worry about covering that.
There are several companies that might reimburse up to 90% of veterinary bills. If you look at it that way, it seems like a good idea. Still, you can always try and make sure your little puppy doesn’t end up eating something they shouldn’t eat in the first place, avoiding every expense altogether.