Sometime ago, if you told someone that you would be getting pet insurance for your dog, that person would have advised you to avoid wasting money. But the insurance industry has surely changed! Pet insurance has become something inevitable owing to the rise in cost of pet care and treatment. Even animal welfare groups are aggressively promoting pet insurance plans these days. The reality is that most of us cannot afford the type of care that is offered at modern veterinary hospitals. On the other hand, we have pet health insurance to help. Pet owners like you will never have to miss out on a pricey but crucial treatment for insurance dogs.
What do you get with Pet Insurance?
Most of the pet insurance plans present coverage for illnesses, cancer, surgery, hospitalization, accidents, lab and diagnostic tests including MRI, X ray scans and medication. A number of pet insurance plans also offer coverage for breed related and genetic issues, chronic and persistent ailments and alternative treatments like homeopathy, holistic therapy and acupuncture.
Please note that you may get partial coverage for behavioral therapies and prescription diets – this depends on the type of plan you go for. You can also get coverage for office visits, routine care and treatments, spaying or neutering. In point of fact, routine care coverage is something handy because you can channel all the pet health costs via a single avenue. You can also try dog liability insurance that covers for any damages caused by your dog. But you should know that pet insurance offers no cover for cosmetic or preventive treatments like tail docking, de clawing, veterinary expenditures linked to pregnancy, experimental procedures, pre existing ailments, dental procedures etc.
By and large, pet insurance may be right for some and may not be suitable for some others. That’s why you need to consider the dog’s specific needs, like his chronic ailments and age. You must also mull over your personal finances. A full coverage plan will cost a lot more than a mere accident insurance plan. And you shouldn’t underestimate the importance of preventive care insurance – this is especially useful for the pups.
If you are sure that you need pet insurance, once you have a prepared list of issues that are to be covered as well as the monthly premium you can pay for — it would be much simpler for you to go through all the pets best insurance plan options.