Home | Others | Pets & Animals
You may not be aware of this, but pet insurance is available to cover your expenses should your pet contract a disease or get into an accident. Surprise veterinary expenses can be avoided if you have coverage. One not so obvious thing that many new pet owners don't fully understand is the over all cost of keeping a pet. Dogs are typically more costly than cats. After all, it makes sense that a big dog eats more than a typical cat. Annual vet visits are typically more for dogs as well.If your pet gets sick or gets into an accident, it will to run a small fortune. Now, you might be inclined to think, that your cat is safe indoors. While your cat is certainly safer indoors, indoor cats have been known to. The unfamiliar outside can be a greater danger to an indoor cat than a cat who is used to being outside. Additionally, there are many dangers to your cat or dog around the house as well. Holiday decorations have been known to kill cats. A cat can easily ingest something she shouldn't, and there is at least one account of a cat eating "Silly String." These items can tangle up in the intestines, causing severe injury and even death. Pet emergencies can be extremely costly. Even without an accident, your cat may still become ill. Cats are prone to diabetes, heart conditions, worms, and any number of other conditions. What is pet insurance all about? I don't want to bring you bad luck, but what happens if you take Fluffy to the vet and she's diagnosed with a heart condition? Your expenses could run in the thousands for testing and treatment. The whole idea behind of pet insurance is to help pet owners take the sting out of health care costs for their pets by paying small monthly premiums for a health care insurance policy. So, why do you need an insurance policy for your animal? My cat has a heart condition, and I did not have pet insurance at the time this was discovered. When she began to show symptoms of a problem she was diagnosed with a heart murmer. I was willing to pay the vet whatever it took to find out exactly what was going on. Having been through this experience with one of my cats, I can say that having pet insurance coverage for her would have been a big burden off of me. Sadly, my vet explained to me that a lot of cat owners can't afford to pay for tests and/or treatment, and so they often don't even find out what is truly wrong with their pets. On the other hand, I happen to know someone who is still paying the $3000 worth of vet bills for a dog she had who died quite some time ago. If she had had a pet insurance policy, it would have been covered. The Positive: Pet insurance gives you as a pet owner peace of mind and ease of wallet. To be able to budget your pet’s health care costs over the life of your pet can give you a sense of freedom both financially and emotionally. Most of us are on a monthly budget. Incorporating your pet insurance premiums (and therefore the cost of your pet's health care) into that budget helps you avoid sudden and unexpected expenses. You won't have any unplanned-for out-of-pocket expenses if your pet becomes ill or is involved in an accident. One thing I learned early on as a cat owner is that vets are not cheap! You can choose from different plans from various companies, some of which pay up to 100%, and require no physical exam. In some cases, there are no annual maximum benefit restrictions. In addition, you can even get routine care, such as vaccinations and flea medication covered. Some company plans, such as VPI Pet Insurance, will even cover spay and neuter procedures. See the details of the VPI Superior Plan plus Routine Care Coverage at VPI's web site. While there are some exclusions, PetCare Pet Insurance guarantees that your pet will be accepted. As with all insurance, you may cancel your policy if you feel it is not in your best interest. Many pet owners are very satisfied with the peace of mind that comes with PetCare pet insurance coverage.In some cases, it has saved lives, since it allowed the owner to pay for veterinary procedures that they could not have afforded. The Negative: Whether pet insurance is cost effective or not depends upon your circumstances. Some customers say that buying coverage for a young indoor pet is more expensive than paying a veterinarian for what the cost of their pet’s health care would have been. Young and small house pets are rarely involved in accidents and only very occasionally become ill. There are age and breed restrictions, so check with the particular insurance company you've chosen for the details and to see if your pet is elligible. As with most insurance policies, there is a grace period in some cases, as well as some exclusions you should know about. As an example, you must keep up with annual vet visits and vaccinations as a requirement of your continued PetCare Pet Insurance coverage. Check with the company providing your coverage to ensure you comply. The Final Word: For cat or dog owners who have pets that are a little older or those that spend a lot of time outside, pet insurance is an excellent value. For owners of very young animals or those that live inside, the expense of the policy of pet insurance may be greater than the value of the protection it provides.
Provided by ArticleGOLD: Articles Directory - Article Directory
About the Article Author
Kurt Schmitt is an experienced cat owner and publisher of www.cat-lovers-only.com, where you can learn more about pet insurance and all things cat.
Please Rate this Article
5 out of 54 out of 53 out of 52 out of 51 out of 5
Not yet Rated
