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Pet Insurance for the Masses
Posted by Geraldine Dimarco at Apr 2nd, 2008 in Dogs
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You’ll wish you had pet insurance … There may come a time when you have to seriously, and urgently, consider the cost of veterinary treatment. This situation happened to me a couple of years ago when I was looking at spending four thousand dollars to save my dog. Although he is a part of my family, I did wonder at the time (I feel ashamed now), if the cost was worth it. Medical science cannot cure everything and pets are vulnerable too. However, no matter the outcome, you will still have to pay for the cost of treatment.
When you find yourself in this predicament, a decision may have to be made. Really, you should never have to think about how much it is going to cost.
Financial difficulties are the number one reason why pets do not receive proper attention; something that a pet insurance plan guarantees. The choice is yours, large vet bills or a pet healthcare insurance policy; for around 40 dollars (or Less) per month cost of medical care is assured.
It is a strange fact that most pet owners do not bother obtaining pet insurance; this is peculiar when they are generally loved like any other person in the home. When it comes to looking after our own health needs, we do not forget how important it is; with this being the case, looking after our pets should be equally important.
Contrary to the belief of many, this is an important monthly expense; until pet owners realize that those trips to the vet can be very expensive! The cost of taking an animal for treatment at the vets has become more expensive during the last ten years; this has meant that providers of pet insurance products have also been forced to increase premiums.
Considered by many as an unnecessary expense, however, pet owners soon realize that vets bills are costly and it doesn’t take much treatment for them to enter into four figure bills. No area is immune for price increases and vets fees are no exception; many people have seen their pet insurance premium increase as a consequence.
If you are in this unenviable position then a choice may have to be made. How would you feel if your dog was injured or seriously ill, and you had to stress over how you will pay for your animal to have urgent treatment?
Various pet health insurance options are available; perhaps to incorporate more than one pet on the same plan. Pet owners providing a health plan for their pets is not the luxury you may think it is. Perhaps the information supplied here has made things are a little clearer now and you won’t delay further. Your pet’s life (and your finances) may depend upon it!
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Having had one dog who got cancer(subsequent $7K of expenses before we had to put him down) and another with chronic allergies, I knew insurance was going to be a necessity for our next dog. After doing a bunch of research, we chose a new company, Trupanion(www.trupanion.com). They specialize in lifetime coverage for puppies and kittens. Our dog was 9 months old when we got him from the local shelter. I know there’s always the game to be played of saving the premiums for a rainy day or getting insurance. For me, I’d rather put the money into insurance and know I’ve got coverage when the inevitable happens.