Pet Health Insurance Costs | Should You Buy It?
Pets are like family members, and like our moms, dads, and children, you take care of pets with lots of love, commitment, and care. So you’re wondering if it’s better to buy pet health insurance plans to cover the costs of emergency and other veterinary care. But how much is pet insurance? Better yet, is pet insurance worth it? Regardless of the plan you pick, this type of insurance is just as complicated as that of humans.
“I think with any insurance you need to understand what you are getting, and what they are covering because a lot of times people don’t really read the policy,” says Della Maddalena [former President and CEO Humane Society of Central Oklahoma]
Pros And Cons Of Pet Health Insurance
Pet health insurance comes with strict terms and conditions which can increase your premiums or deny you and your furry friend coverage. Pooches with senior dog problems may no longer be covered due to their pre-existing conditions. Some dog breeds cannot get pet insurance at all due to their possible hereditary conditions.
Pet insurance companies also won’t shoulder the entire cost of vet expenses, although many like ASPCA pet health insurance can cover as much as 90 percent of the costs. It’s also not unusual for companies to only reimburse, which means you still have to pay upfront.
Nevertheless, there are several reasons why you NEED pet health insurance. Depending on the coverage, you can use it for emergency care due to accidents and illnesses, which can eat your budget. Cancer care for your pet alone can cost at least $5,000. You can also use the insurance to pay for alternative therapies and routine care, which is extremely important since it can reduce the risks of certain illnesses. Hence, you spend way less on emergency care.
Although you need pet health insurance, you also have to choose carefully. To know the best pet insurance for dogs and cats learn to compare pet insurance plans. This video will help you:
Getting pet health insurance requires careful thought and consideration, but for the love of all felines and canines, and for your peace of mind and some financial help, get it. Shop around and find the plan that fits your budget and your pet’s needs.
Do you think pet health insurance is worth it? Let us know your thoughts in the comments below!