There are many unexpected expenses that come with having a pet. For example, a couple of weeks ago, my daughter’s dog Bella, ate a package of Trident Gum. Trident gum is something you don’t want your dog to eat! Thank goodness Bella is okay, but her vet bill was no small bill! She cost the kids $3500 for that little episode! Having pet insurance gives you peace of mind if an accident happens and it gives you the opportunity to take better care of your pets.

What does pet insurance cover?

As with all insurance, including human insurance, the type of insurance will vary depending on the insurance company selected and the level of coverage you subscribe to. This insurance can thus support medical expenses including consultations, various treatments, medications, imaging acts, living expenses, transportation, etc. It can also handle surgical costs.  When you sign a pet insurance policy, it is essential to make sure you know what your policy will pay for.

The type of treatments you will be reimbursed for will depend on the type of insurance you decide to purchase. You should also check to see if you will be reimbursed for taking your pet into the emergency vet hospital at night or on the weekend. The cost is usually more than if you took your pet to the vet during office hours. Of course, as with any insurance, make sure you know what the deductible is. This review of Nationwide pet insurance can help you to find out more.

Dog at Vet

Should you get pet insurance?

In this day and age, many of us are asking the same question about health insurance for humans. With health insurance prices skyrocketing, it is becoming a question asked by many and I’m sure you are asking the same question about pet insurance. It is important that when a surprise happens dealing with your beloved pet’s health, that you will be able to pay for it. In case of an accident, when you don’t necessarily have the funds to pay for the fees, it would probably be comforting to know that you have pet insurance. An operation can be quite expensive, and if you don’t have the funds to pay for it, it can be a difficult to make the right decision. Your pet might not need an operation, but what if they break a leg or have cancer? You will have to see the vet for a consultation, get blood tests, x-rays, etc. And all of these will cost a pretty penny.

Our yellow Lab, Summer, had liver cancer and we chose to treat her. I don’t know if that was the best thing for her, looking back on the situation now. But, I had to try. By the time her health was failing to the point that we had to have her euthanized, we had spent a good $8000 on her care. Maybe even more, but $8000 is a good number to quote! Don’t think I didn’t wish I had pet insurance at the time!

In short, the costs can quickly climb and pet insurance can help with the bill. The monthly cost of pet insurance will depend on the type of coverage you select. It is important to note, that in general, insurance companies do not usually support animals of less than 3 months or older pets more than 10 years because of the possibility of more frequent interventions.



Filed under: All About Dogs

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