Pet Insurance: Is it Right for Your Pet?
| Pet Insurance can be costly- but is it worth it?
Find out what plan is right for your pet from Entirelypets
| Is it Right for Your Pet? Learn about pet
insurance policies, coverage, and more.
| Caring for your pets can get expensive, especially if the
unexpected occurs and your pet needs surgery, laser therapy,
or another costly but common procedure. In times like these,
most pet owners can't afford to take a sudden hit to their wallet and
most pets that require these costly procedures can't afford to forego them.
We have health insurance for turbulent times in our lives, so we should afford our pets the same advantage. Pet insurance plans vary and can cover a wide array of expenses from surgeries and therapy to simple costs like flea and tick medications or medications for roundworms, ringworms and heartworms. We here at EntirelyPets aim to ensure that pet owners are informed on the options available for their pet.
|There are a variety of reasons that pets need trips to the vet and many of them can be quite costly without pet insurance. Here is a list of the most common reasons people use pet insurance:
• Ear Infections
• Urinary Tract Diseases
• Skin allergies
• Upset Stomachs
• Intestinal inflammation
Each of these issues is common in both cats and dogs and often requires medical attention from a veterinary clinic or an animal hospital. A majority of plans will cover these issues and save owners from unnecessary costs. Other problems that afflict pets that are usually covered by insurance include diabetes, arthritis, and hyperthyroidism or hypothyroidism.
Insurance can also be a Godsend if your pet meets with an unfortunate accident such as being hit by a car or being attacked by another animal. Different insurance plans cover different things, so check with your insurance provider to see what your pet is covered for and whether or not you need to move to a more comprehensive plan.
Costs and coverage of insurance plans for your pet, as it does for people, will vary depending on a variety of factors. These factors include what type of pet you have, dog or cat, among others. Certain breeds of cats and dogs are more vulnerable to certain ailments. For example, large breed dogs are more likely to develop arthritis in their leg joints.
Don't forget that age will also be a factor as older pets tend to develop more health problems than younger pets while puppies and kittens are more susceptible to parvovirus. The gender of your pet also makes a difference in costs and coverage as some conditions are more prone to hit certain genders (i.e. pregnancy for females or prostate disease in males).
Lastly, the most significant factor for any pet is their past medical history. If your dog has a genetic disorder or has previously undergone surgery you can expect to pay the higher rate of the spectrum for any plan. Any medications your pet is already taking and any symptoms your pet displays also tend to be a factor.
In times like these, the first thing considered when shopping for ourselves or our pets is often the price of a new product or service. It makes sense to be frugal, but we should consider the lives of our pet and the possibility of investing in our pet's future. As previously stated, there is a wide array of pet insurance services available.
Some plans will be considerably cheaper than others but these plans will often offer less coverage. Some insurance plans will charge a monthly fee while others will charge one annual payment. For the more affluent pet owners, the annual fee might be more convenient but other pet owners should consider plans paid per month. Some pet insurance firms might allow you to change between plans to cover your pet more securely as they enter old age or encounter a chronic problem.
Emergency pet insurance which covers accidents but not illnesses is available for as little as a $100 annual fee or $10 monthly payments. More comprehensive insurance can range from $15 to $30 depending on whether you want insurance that covers illnesses and accidents or both with additional coverage for pets with hereditary diseases.
Prices also vary depending on deductibles and payouts. Sure, you could probably get away with using a cheap insurance- but they might only payout a flat fee. A more comprehensive coverage could cover 80% of the cost while some top insurance plans will cover the full fee. When shopping for insurance- for you or your pet- it's important to make sure you're getting the full bang for your hard-earned buck.
Prices always vary depending on a variety of features. Some plans offer a flat fee across all pets but most will likely vary from pet to pet.
When searching for the right insurance providers, it is always a good idea to shop around. For inexperienced shoppers this means more than simply comparing prices and features but also checking out customer reviews. Customer reviews can help you determine how responsive insurance companies are and how their customer service delivers the care for which you're paying.
Customer service is highly important for any pet insurance firm. You don't want to find yourself filing a $1000 claim and getting no response or reimbursement for months. Most people can't afford to take that kind of a hit and it is important to verify that you won't have to wait to hear back from your provider. Two top tier providers that offer a variety of plans are VPI Pet Insurance and ASPCA Pet Insurance.
We here at EntirelyPets hope that these tips help you find the right coverage for your pet, whether you go high end or opt out entirely. And remember- stay healthy, stay happy!