Pet Health Insurance – Do you really need it?
Pets are part of the family.
What would you do if your family member needed to go to the doctor but you couldn’t afford to pay the doctor? How would you feel?
Our pets get sick, get injured, they get common illnesses, occasionally get into fights with other dogs or possibly get hit by a car, all of which may require medical attention. Accidents happen. Our pets are living longer and longer. Senior pets need medical attention.
Just the facts:
- Pet Emergencies are inevitable: 90% of all pets will experience an emergency situation at least once during their lifetime
- The average number of visits to the vets in 2007 was 2.6 times for dogs
- Two of every three pets will experience significant health problems during their lifetime.
- The cost of spaying or neutering a pet is less expensive than raising a puppy or kitten for a year.
- 1 in 4 dogs die of cancer
The good news is due to advancements in treatment and care, Vets can help keep your pet in good health.
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Exploring pet insurance options to help reduce pet care costs is a probably a good idea and makes you a responsible pet 
owner.
It’s not a matter of if you need medical assistance for your pet, but it’s when you need veterinary assistance. And when that time comes, pet insurance is a good way to ensure the funds are available when you’re faced with the unexpected cost.
The stressful situation will be less stressful when you’re not thinking about the where you’re going to come up with the extra money.
Things to consider when considering Pet Insurance
- The younger the pet, the less expensive the pet insurance.
- What activities is your pet involved in? Do you take him to the dog park, doggie beach, doggie day care, do they spend a lot of time outdoors or in sporting activities? Then he may be at higher risk for injury.
- The reputation of the company. Is the company licensed in your state?
- Doctor Choice – Can you choose your own Vet or do you have to select a Vet from one they provide.
- Coverage options – What coverage options are available and what do they cover? routine care & vet visits, illnesses, emergencies, prescriptions, etc…
- Go to the Vet – regular checkups is a money saver. It’s better and cheaper try to treat something that could have been prevented.
- Vaccinate
- Spay/neuter
Pet Premium is one of the nation’s highest-rated pet insurance companies. You can use any Vet, plans cover genetic conditions, actual Vet bill used to calculate refund, tailor plans to fit your budget, and more!
Make Sure They Have the Care They Need with Pet Insurance. Get a Quote and decide what’s right for your family.
Thanks for reading this article, I appreciate it.
Debi & Chewie
Feel free to ask questions or provide comments. If you got value feel free to share this article with your friends or team.
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Is there a point in a dogs life when you think it doesnt make as much sense to look for insurance? My dog is almost 10 years old and does not have insurance on her. Is it still worth it to purchase an insurance policy or do you think it might be a little late in her life to make that purchase worth it. Thanks for your advice
As your pet get older it can be even more important for pet insurance as older dogs might need to visit the vet for more serious conditions. My granddog Leo, is 12 years old. Although he is still peppy, if he needed medical attention and I had to make a decision based on finances it would painful. With pet insurance we have the peace of mind that we have help paying the bills.
Pet insurance is something that I have always heard of, but never seriously considering. But thinking of it, it only makes since! My dogs are my babies, and I would do anything they need if the situation were to arise… pet insurance could end up saving a ton of money one day. Thanks for sharing this! I will have to check this company out.
Thanks so much for your article promoting pet insurance. I simply would not own an animal without pet insurance. It’s literally a matter of life and death. I never want to be put in a situation where I couldn’t get the medical help for my best friend because I couldn’t afford the treatment.
My cat swallowed 3 feet of string and it became tangled in his intestines. Had I not had pet insurance, I would not have been able to afford the surgery and my cat would have had to be put down.
Because I did have insurance, I was able to go through with the surgery and my cat and I had many more years together.
Wow, that’s amazing. so happy to hear a happy ending 🙂
I’ve been thinking about getting pet insurance for my cat, but I keep putting it off because he’s still pretty young and he’s an inside only kinda guy. I’ve been looking at a few different policies and all of their terms and conditions and mumbo jumbo just confuse me. Do you have any recommendations that are easy to understand?
Definitely do your research before going with any company. Think about do you want an accident only type of coverage or do you want something more comprehensive? I personally like Embrace Pet Insurance, http://petshavepurpose.com/PetInsurance. They spell out what coverages they provide before you sign up and seem to have pretty reasonable rates. Good luck
Great article,
We always err on the side of caution with this! While Insurance can seem expensive, especially while your pet is healthy, it pails in comparison to when something bad happens.
A lot of friends and relatives have always gone down the route of not insuring their pets and normally end up paying the price! Vets are so expensive and having to make the choice between having a pet put down and stumping up thousands is pretty unthinkable!