Pet Care Insurance- Show You Care
Pet Care Insurance is for a lot of pet owners an expenditure that is often put on the proverbial “back burner” and sadly forgotten about until it is simply too late. Most people will would agree that it is very sensible to have ample vehicle insurance before an accident or have adequate home insurance coverage prior to a fire, yet ask a pet owner about pet care insurance and in most cases “they haven’t really thought about it or haven’t yet got around to it”.
This will likely seem very astonishing to hear since most pet owners do love their pets, care for them in other ways, and usually think of the pet as part of the family. So why this reluctance on the part of pet owners to put money into some form of insurance for their precious pet?
One explanation may simply be a lack of knowledge with respect to the cost of having a sick or injured pet treated by a veterinarian. It’s not unusual to discover that medical expenses for treating a dog with a broken leg may reach as high as 00 and for a cat with a broken leg around the 0 mark. Naturally one can expect these expenses to differ based upon where in the world you reside and the availability of vet services. There may even be fluctuations inside the same geographic area depending upon if you live in a rural area with only a few veterinary clinics, or in large urban setting where you’ve more selection, more competition and therefore lower prices. Then there are the hidden costs such as kenneling of an hurt animal while in the recovery phase following an operation and the costs of post-recovery medicine such as antibiotics and pain-killers which adds more on to the total cost of the treatment.
A second rationale why many pet owners may steer clear of getting pet care insurance stems from the naive belief that “it will not happen to me”. True you will find many pets that live an extended and vigorous life while rarely seeing the inside of a vet clinic except for their yearly checkup and shots. Unfortunately recent statistics show that 65% of pet owners are making unscheduled visits to their local veterinary clinic and are coming away in shock and disbelief at the size of bill following treatment.
Either one of the above reasons can be utilized to build a strong case for caring pet owners to seriously think about buying pet care insurance. As with most types of insurance, it may seem expensive and not needed at first, especially if your animal is young and in good physical condition. This must be cautiously considered against the other scenario of having to pay for vet bills at full price in a situation where multiple visits are necessary should your pet become seriously hurt or sick.
Making the choice to invest in pet care insurance is surely a proactive step in the correct direction, but this does open the door for more questions. Recent years have seen a sharp rise in the numbers of insurance companies expanding into this pet insurance market together with more choice in the type of insurance for pets. Today’s pet owner needs to consider a large range of factors before deciding on a specific pet insurance policy.
One standard consideration that appears to be essential in most pet care insurance policies is the age, health and type of the animal. The very first thing that ought to “jump out” at you is the need to consider purchasing insurance for your pet when they are young and healthy if you want to obtain the best deal with your money. Added insurance factors would include:
higher costs to insurance a pure-bred compared to a mixed-breed
some varieties of animals such as canines are generally cheaper to insure than cats
more exotic pets may require more specialized treatment and therefore higher expenses to insure.
Most pet care insurance companies provide a range of insurance plans to cater to their customers needs. Often the “all-inclusive” plans are most popular as they tend to be more adaptable and some may even repay unforeseen costs associated with the pet becoming unwell or injured unexpectedly such as your hotel bill in case you are forced to stay away from home having driven a great distance to bring your pet to the veterinary clinic.
Lots of pet insurance plans have some type of liability protection where the pet owner will be insured if ever the animal injures another individual or causes damage to personal property. Some pet insurance companies even offer special policies for pets whenever they get lost or get stolen. Pet owners may be reimbursed for the money they spent on advertising for the lost pet and also will recover some of the pet’s original price if it isn’t found.
In the end, the onus is on you, the pet owner, to ensure that you not only comprehend the conditions of the policy, but also are aware of what’s not covered to prevent any nasty surprises later on.
Pet care insurance shouldn’t be taken for granted. Given the monetary and “piece of mind” benefits, pet owners should not think twice about purchasing insurance for their beloved family friend. As with every other type of insurance, it pays to search around for pet care insurance, and this has never been easier than now. Many highly regarded pet care insurance carriers advertise on the world wide web nowadays so it is just a matter of spending time in front of your computer system to learn what is out there and obtain the top value with your money.
Show your pet that you truly care! Take action now to find out more about pet care insurance and protect both yourself and your pet. Visit our website now to find pet insurance reviews and much more. Articles on pet medical insurance, pet health foods and links to many other resources. Let us help you as we have already helped hundreds of other concerned pet owners find pet care insurance.