Advantages Of Buying Pet Health Care Insurance
Pet health care insurance works in much the same way as human health insurance in that there are deductibles, co-pays and monthly premiums. In addition, there are different types of insurance plans available that may or may not cover routine check-ups, vaccinations, surgical procedures, diagnostic testing, medication, accident coverage and more.
Just like with humans, you would want pet health care insurance for those veterinarian visits that stem from illness or accidents especially as these fall under emergency care which could be exorbitant without insurance coverage. While you may be able to afford primary care like wellness check-ups, vaccinations, food and supplies, surgery from an accident or extensive treatment for cancer or some other condition can wreck havoc on your pocketbook. With pet health care insurance however, you would just have a co-pay to take care of while the insurance takes care of the rest.
Primary Advantages
There are some definite advantages for pet owners investing in pet health care insurance that far outweigh any negatives. For instance, with an insurance plan, you always have the comfort and knowledge that your pet will have the proper veterinarian care, especially during tough times when you may not have a lot of cash.
If you travel and have someone else like a pet sitting service or kennel care for your animal, they won't have to hesitate or try and call and track you down regarding treatment. With pet health care insurance, they can just take your pet to the veterinarian and know they will be taken care of.
You don't have to make the difficult decision of whether or not to euthanize your pet if the cost of a surgery or other treatment is too high. With pet health care insurance, the biggest cost burden will be taken care of and you can feel safe and not guilty about making any decisions like euthanasia.
What Is Covered?
While dogs and cats are your typical house pets, pet health care insurance covers these animals as well as non-traditional pets like birds, lizards, snakes, rats and even ferrets. If you have something a little more exotic as a pet, you will want to check out the fine print when you shop around for insurance policies to see what animals may be excluded from coverage.
There are also different types of pet health care insurance to choose from so you should decide which avenue to pursue. For example, you could get a policy that covers annual check-ups with vaccinations along with a percentage of emergency visits. Other policies may cover only emergency care or just the routine maintenance like check-ups, vaccinations and preventative medications for heartworm and fleas.
The burden of choice rests with you and what you perceive your needs may be in terms of your pet health care insurance. You may be lucky and have a pet that lives a long healthy life and rarely use the insurance but accidents and illness do happen no matter what you do to prevent it and that is why pet health care insurance can be so beneficial.
