Why You Should Consider Pet Insurance

You invest so much time and money toward improving your pet’s life and their overall well-being. Therefore, you should not have to spend all your finances on expensive medical fees when there is health insurance available. Many pet owners refer to their dogs and cats as their own family members and strive to keep their pets healthy by choosing the best food or buying the most popular brand of flea and tick medication. However, statistics show that only 4% of dog owners and 1% of cat owners have a pet insurance policy.

Insurance Could Help Save Your Pet’s Life in an Emergency

No one wants to see their pet become ill. Yet, failure to plan for a medical emergency can result in your pet ending up very sick if you cannot afford to take them to the vet. Having pet insurance can ensure that your pet will be seen by a veterinarian at any time, regardless of your inability to pay a large bill. For some, it could mean the difference between life and death.

What Would You Do During a Pet Emergency?

If your dog or cat ends up with a serious health condition that requires emergency surgery, would you be able to pay the bill immediately? Some surgeries cost as much as $7,000 or more. Therefore, if you happen to have the money available, the fees will take a huge toll on your personal savings.

Many pet owners have to do the inevitable, and forego treatment, because they are unable to pay for their pet’s surgery. If you are not willing to take that risk, you should consider taking out an insurance policy.

Various pet health insurance plans are available, and each proposal offers different coverage levels and various claim amounts per year. Therefore, you can find a plan that will provide adequate coverage for your dog, puppy, cat, or kitten. With multiple policies available, it is possible for anyone to find affordable insurance options for their beloved pet. Insurance policies can cover as much as 80% of the cost of eligible veterinary bills if your pet is sick or injured.

Are There Any Specific Rules Regarding Pet Health Insurance Pet Owners Should Know About?

Most plans will allow you to keep your current vet and give you the option of choosing any new licensed veterinarian in Australia. If you are renewing your insurance policy, there is no break in coverage. The insurance covers both recurring and lifelong health conditions, such as cancer and arthritis.

While there is no limit to accidental injury coverage, if your dog or cat is nine years of age or older, he or she will not covered by some policies. However, if they are already receiving coverage by the time they reach the age of 9, their coverage will remain the same. Puppies and kittens less than 8 weeks of age cannot be insured by most policies. Be sure you read and understand the specific policy terms before you take out insurance on your pet.