What Does Pet Insurance Cover?
Pet insurance is becoming increasingly popular and for good reason. With the veterinary technology available today, pets are living longer and enjoying better health. However it comes with a price. There's no doubt that even simple medical procedures are expensive. Emergency situations are even more so, and in some cases can be devastating for a pet and their owner if said owner is not prepared financially. Pet insurance may cover emergency illnesses and injuries, but it may also cover preventative medicine. It all depends on the type of policy you choose.
You might be one of those pet owners who is on the fence about pet insurance. You might think your pet is healthy. They are up to date on their shots, you take good care of them, and so on. However, you just cannot predict when your pet may come down with a serious illness that is either transmitted from another animal or in your pet's DNA. You also cannot predict if or when your dog or cat will run outside and become injured. It happens every day, house pets run outside in search of adventure and are hit by vehicles.
In these cases, you would be very glad you had pet insurance. Even if these things never happen, you can't be sure and it is better to be safe than sorry when it comes to a beloved pet. Many people consider their pets to be family, and wouldn't you want the same security for your family? Pet insurance doesn't have to be expensive; you can get quotes from multiple companies before deciding on an insurer and a policy. If you are on a tight budget you may just want to get the basic insurance that covers a certain amount of the expenses related to emergency medical procedures.
If you want the most comprehensive package, there are insurance policies for animals that cover emergency injuries, illnesses and preventative treatments like vaccinations, heartworm pills and flea medications. Some tests may also be covered, for example feline leukemia. Most companies who offer insurance for pets have multiple policies and some even allow you to build your own, including what you want and what you can afford. If you have questions, an insurance agent should answer them without trying to push you into buying a policy. Good customer service is definitely something to look for when shopping for pet insurance.
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For any pet emergency you will want to know where the closest animal hospital or vet clinic is located.
Although you will want to try to help on your own, getting your pet to a professional is also very important. You should have the phone number and address of the closest pet hospital so that you can get in touch with them within a matter of seconds.