Do you need help choosing the right pet insurance? Pet parents will agree that their pets are not just animals, they are part of the family. Sometimes when we are upset, there is no one that can cheer us up quite like a pet can. That is why it is nearly heartbreaking when our pets become older or develop grave illnesses. Depending on the severity of the illness or condition, treatment can become very costly.
Veterinarians can now perform life-saving operations and procedures, significantly increasing the life expectancy for the pet. However, such life-saving operations can cost hundreds or thousands of dollars. For example, if your pet happens to chew part of a rubber ball and swallow it, you could end up rushing it to the veterinarian to check for abdominal blockage or other internal problems. The surgery to remove the object your pet swallowed could cost about $6,243. Not every household in America can afford an operation like that. This where pet insurance comes in to alleviate the financial burden.
Tips for Choosing the Right Pet Insurance
Most major insurance companies may offer it, and there are many independent companies that offer pet policies. Before obtaining it, you should take the time to do some research. Any decision to purchase this should be based on the coverage provided, the costs and premiums, and the customer service provided. Read each policy before deciding to sign on the dotted line. What kind of illnesses and conditions will the pet insurance cover? You might be surprised to know that pet insurance is similar to human medical insurance. If your pet has a pre-existing condition, treatment will not be covered, and you could even be denied coverage.
It is usually not possible to get pet insurance for an older pet, as the likelihood of them having a pre-existing condition increases with age. It is better to seek coverage for your pet as young as possible. Puppies and kittens are twice as likely than older pets to get sick or injured. It is best to look into it as soon as possible after adopting your new, young pet.
If you are still not convinced that pet insurance is right for you and your pet, consider that some can pay up to 90 percent of your pet bills. Like human health insurance, certain deductibles may apply, however, once these deductibles are met, your pet insurance will take over. Typical co-pays are about ten percent of the cost of the service.
Say your puppy is diagnosed with an ear infection. Treatment will cost $264.84 between veterinarian visits and medication. Pet insurance may pay up to $222.83, meaning you are left with a cost of $42.01 out of your own pocket. If your puppy frequently suffers ear infections, your pet insurance will virtually pay for itself. Most pet insurance premiums start around $27 a month. Again, this is depending on the company and premiums you choose. Some pet insurance policies will let you choose your own veterinarian or emergency clinic to treat your pet.
Call Sunny Hills to schedule an appointment for your pet and discuss the possibility of pet insurance with one of our experienced veterinarians! (714) 526-4694