Why Get Pet Insurance?
If you are like millions of pet owners, you have or will eventually incur veterinary care expenses for your pet. Pet insurance is becoming one way pet owners are watching out for their dogs, cats and other animals. While no one likes to imagine something bad happening to their pet, it is good to be prepared. Health insurance for your pet usually covers things like unexpected injuries and illnesses. It is a good thing to have because many people may not have the funds available to cover a vet bill that they are not prepared for.
For example, what if your dog or cat ran out the door, darted into the street and got hit by a car. Would you have the money for emergency surgery if it were required? Some veterinary offices have financing programs for customers who meet credit criteria. However, if your credit is not up to par or your vet does not offer such a program you will be required to pay the full costs up front. As you can imagine, these costs can add up quickly.
A small injury can be hundreds of dollars if not more, while an emergency surgery can cost thousands. This is where your pet insurance policy comes in very useful. When researching pet insurance, you will find three main types. The first is pet insurance that covers annual checkups and 80 percent of emergency costs, the second covers only annual checkups while the third covers only emergency costs. The price will vary depending on the type of insurance you choose and the company who provides it.
You can normally select your preferred veterinarian. This is important for many pet owners because both pets and their owners may have bonded somewhat to a particular vet. Visits to the vet can be stressful for pets and owners, visiting someone familiar can help soothe the stress a bit. The animal is more likely to trust the vet, also the vet is familiar with your pet and its unique medical history and problems.
There are both pros and cons to getting pet insurance. One of the downsides to pet insurance is of course the cost. You could purchase it and never need it. This is a small price to pay for the security you get when you do choose pet insurance. Not only can you have peace of mind, this reassures anyone that may watch your pet for you while you are on vacation. If you are operating a boarding kennel, grooming shop or other facility it is important to have insurance that protects you in the event that one of your animal clients is injured.
There are many reasons to get pet insurance. The hard decision is not whether or not to get insurance, but which company and policy to choose. Researching this online can help you make a more informed decision. Also, you can obtain free quotes from different companies to compare features and prices of different policies.
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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.