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What is Pet Insurance

Pet insurance is a policy purchased by a pet owner to offset the overall cost of their pet’s medical bills. It can help cover the cost of veterinary bills for accidents, illnesses, cancer treatments, and many more. 

 

Pet insurance can give you peace of mind by making health costs for your dog or cat more affordable, letting you enjoy extra quality time with your four-legged family members.

 

Anyone who owns a dog or cat should consider pet insurance. While it may be tempting to avoid the recurring costs while your pet is still young and relatively healthy, you can never anticipate what might happen as they grow older.

Why do you need Pet Insurance

Like any other pet parent, you will be surprised when your Dog happens to swallow a toy, when it suddenly breaks while playing or develops a giant hairball, such instances can quickly drain your bank account.

 

In an emergency, having good pet insurance will cover medical costs so you don’t have to choose between going into debt and saving your pet’s life.

 

Therefore, it’s best to buy Pet Insurance before any health concerns arise or accidents occur. Even elderly pets or those with pre-existing conditions can benefit from insurance.

 

If you think you can’t afford insurance or don’t think it’s worth it, we recommend you to have a look at different plans to decide for yourself what are the best available plans that will at least cover life saving surgeries and medical emergencies.

 

Pet insurance is all about securing peace of mind for the future.

Why to insure early

Why even think so much when you already have a playful Dog and a cute Cat. They become your family and you don’t think more but to care for the family.

 

The sooner you sign up for pet insurance, the better it is for your pet.

 

Pet insurance tends to get more expensive as your pet gets older, and many companies don’t cover pre-existing conditions, so as your pet ages and experiences more accidents or illnesses, it can be harder to secure affordable coverage for them.

 

However, if your pet is older and uninsured, it’s worth pursuing. You will pay a bit more for an older animal and the costs associate with aging, but pet insurance can still be extremely beneficial so why wait.

 

To get most benefits with affordable premium, insuring early is a key when your dog and cat are still puppy and kitten.

What Pet Insurance Covers - 7 Important inclusions

Complete coverage gives you the comfort of knowing what your pet is covered. To help you get the best sense of what pet insurance covers, here are some key things to look closely at in your policy. 

1. Accidents: Accident coverage can help you care for your pet when they get hurt. It covers injuries and emergencies related to accidents, like torn ligaments, dangling limbs, bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions.


It also includes all sorts of services, such as X-rays, MRI, ultrasounds, bloodwork, sutures, medications, hospitalization, and surgery.

2. Illnesses: You can get reimbursed for the costs of major and minor illnesses such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs).


It can cover expenses for everything from diagnosing the health condition to the treatments your pet needs to get better.

3. Behavioral Issues: Behavioral issues with symptoms such as excessive licking, fur pulling, pacing, biting, and destructive chewing can be distressing and harmful to your pet. Sometimes they can damage your home and disrupt your family life.

4. Complementary Therapies: Complementary therapies are methods of trying to treat illnesses and problems, which work alongside or instead of conventional medicine.


The word ‘complementary’ refers to the fact that they may be used in addition to the conventional medicine advised by your veterinary surgeon. 


There are lots of alternative therapies available to help pets recover from an injury or illness. They include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy.

5. Chronic Conditions: Chronic conditions typically require long-term treatment, they are expensive prescription medications that can easily cost many thousands of dollars every year, for conditions such as diabetes, allergies, and cancer. With Complete Coverage, you don’t have to worry about a condition just because it is ongoing.

6. Prescription Medication: Prescription drugs for pets can be expensive. If your pet suffers an allergic reaction or has a chronic condition that requires ongoing care. Complete coverage includes prescription medication coverage for covered conditions.

7. Microchip Implantation: A microchip is a tiny computer chip that is implanted by an injection similar to a vaccine needle under the skin of your pet. Anesthesia is not necessary and most animals don’t feel the injection, which is done by a veterinarian.


This may seem like a small thing, but it can help in a big way when it comes to making sure your pet is returned to you safely.

How Pet Insurance Works

Get Treatment

When your cat or dog becomes ill or injured, get treatment from any veterinarian of your choice.

File a claim

It is easy with online claim filing, and there is no need to send medical records unless insurance company request them.

Get cash back, fast

Insurance Company strives to make claims process quick and easy, and can deposit payments directly to your bank account.

Things to consider while buying Pet Insurance

As you compare pet insurance policies online, there are various factors which shall be taken into consideration while buying the best for your furry buddy.

 

1. Coverage and Price: It’s important to balance coverage with a price. Of course, you want your premium to fit into your budget, but keep in mind that the lowest-cost plan may not be the best option if it doesn’t give you the coverage your pet needs. Choose the coverage that works for you.

 

Discuss your pet’s health with your veterinarian, get an idea of what common health conditions your pet could face that may be breed-related, or if there’s a history of health issues in your pet’s family tree.

 

2. Research Pet Insurance Providers: Before you decide to enroll your pet in a pet insurance policy, compare pet insurance providers. A side-by-side comparison will show the difference in plans, premiums, deductibles, co-pays, sample reimbursements, and plan details, including exclusions and additional features.

 

3. Enroll Young and Healthy Pets: It’s important to enroll pets when they’re young and healthy to avoid limited coverage due to pre-existing conditions and to reduce the cost of your policy. Your cover is assessed every year. As your pet gets older, they may become more expensive to insure. This would be reflected in your premium.

 

4. Excess: Many policies include an excess. This is the amount you must pay if you decide to claim on your policy. Some insurers ask for a percentage-based excess as well as a flat fee. This is known as co-insurance excess. The amount of the excess is specified in your policy.

Avoid policies that increase the excess amount as your pet gets older, unless you would prefer a higher excess fee in return for cheaper premiums.

5 probable reasons of injuries & Best time to get Pet Insurance

The first thing you really should get pet insurance is when you first get your pet. You don’t know when the worst will happen.

 

If you don’t get pet insurance when you first bring your furry friend home – which you should – the best time to buy it is before the summer and winter seasons hit. That’s when your pets are exposed to the elements and in the most danger of illness and accidents.

 

1. Summer Time: While summer is a time for relaxation and warm vacations, it can be pretty dangerous for your pets, if more times outdoors, and between the heat, plants, and animals out in the wild, there are a lot of chances for injury.

 

2. Plants: There are a lot of plants that your pets shouldn’t be eating, and a lot of them are outdoors. Eating certain flowers and shrubs can cause vomiting, diarrhea, or worse. Some plants can physically hurt your pet without actually being ingested. Foxtails, for example, have barbs that can dig into sensitive parts of pets like ears, eyes, nose, and feet. The barbs can also be ingested and work their way into the lungs.

 

3. Bites and Stings: Flora & fauna are dangerous. When your pet is trekking outside, it’s vulnerable to a lot of animals, ranging from ticks, spiders, and wasps to snakes to rabid animals like raccoons.

 

4. Heat: The dangers of heat can manifest in a few ways for pets. Just like us even pets can get a sunburn, though they are covered in fur, there are still spots that are susceptible to burn, particularly around the face. If your pets are walking around on hot asphalt, the pads of their feet can get cracked and burned, too. Then there’s heatstroke, pets can fall prey to hyperthermia without proper cooling and hydration.

 

5. Winter Time: Unfortunately, winter presents its challenges. If your pet managed to make it through summer unscathed and uninsured, you should still consider pet insurance before the temperatures drop. Just as extreme heat can be an issue for pets, extreme cold can be just as bad. Hairless or short-haired pets are particularly in danger of illness or even hypothermia. Limiting their time outdoors or investing in cold weather gear can help.

How much does Cat Insurance or Dog Insurance costs

Each cat or dog is unique, from its size to its energy level and temperament, which is why prices are unique to your cat’s or a dog’s situation. The cost of pet insurance varies based on several factors specific to your cat or dog.

Age: The premiums on most policies skyrocket as the pets get older. Rates double by the time a puppy or kitten reaches 4- or 5-years old and might need expensive veterinary care.

 

Every pet owner should consider pet insurance. Even if you believe you have enough money to cover veterinary costs, pet insurance could still save you thousands of dollars if your pet gets sick or injured. Especially if you have multiple pets, your out-of-pocket costs could add up considerably without insurance.

 

If you signed up for lifetime pet insurance when your dog or cat was relatively young and healthy it is almost certainly worth renewing that policy each year now that your pet is old, because this type of policy should cover the vet’s bills for most of your pet’s medical conditions.

Breed: Are you a dog owner or a cat owner? Perhaps you have both. It’s important to know how the species and breed of your pet can impact your insurance premium. As we all know, not all pets are created equal, and as such, there isn’t just one flat premium amount that will cover every pet.

 

It’s a fact that some breeds of dogs and cats cost more to care for than others. First and foremost, there is typically a cost difference between what insurance will cost for a cat versus a dog. Cats typically see the veterinarian less than dogs and are also less likely to incur an injury. There are also fewer genetic issues that impact cat premiums.

 

For dogs, on average, the least costly dog would be a mixed breed. They are just harder and less likely to develop genetic conditions. Large purebred breeds are known for potentially expensive orthopedic problems – hip dysplasia, elbow dysplasia, cruciate tears, etc and are more likely to have genetic problems that can be passed from generation to generation.

 

Most companies will price premiums based on the breed because experience has shown that some breeds cost more to care for. There is wonderful technology available today to genetically test your pet and identify any potential breed-related issues that are present.

Gender: Did you know female cats and dogs tend to have fewer medical problems than males? And if females do get ill, they’re often more resilient and need less treatment.

 

There is a significant difference in the risk or costs of illness between male and female dogs, depending on breed. 

 

Male pets can be more boisterous, which means they’re more likely to have accidents or get into fights with each other. Male dogs may get into a few more scraps and scrapes than female dogs.

 

Normally, you’ll pay more for your pet insurance if you have a male dog or male cat. The sex of your pet can influence the cost of insurance cover, for example, male cats are often more expensive to insure than females as they are more prone to suffering from blocked bladders.

Where you live: Your location will influence the prices charged by your local veterinary practice, and thus the premiums required. The region you live in has a bearing on the cost of your pet insurance. This is because the majority of your premium is set aside to pay out claims for vet fees.

Conclusion

Pet insurance is a large investment and you will most likely purchase multiple policies for your furry baby throughout your lifetime.You must know what each type of insurance covers and how it works so you can make the best decision about what to buy. Do not base your decision on just what is cheapest, but look at what it provides.

Take time to shop around and find the right pet insurance for your cat and dog.

People often say they cannot afford insurance, but the reality is that they cannot afford not to have it. It can save them from thousands or more dollars in unplanned expenses when unexpected situations arise. You do not want to waste your money on policies that do not meet your needs, but the right pet insurance policy can protect your pet from unforeseen disasters.

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