If you pet needs emergency surgery and aftercare, would you be able to pay for that? If your pet gets cancer, a complicated eye issue, or neurologic dysfunction and needs to go see a specialist, can you afford to take them? There are options for payment, but wouldn’t it be nice to know you didn’t have to worry about these sudden expenses? Pet insurance is a way to relieve that worry.
Pet Insurance is a relatively new phenomenon in the veterinary world, but can be lifesaving in cases where it is needed. Most pet insurance is geared toward catastrophic events – illness or accident beyond routine care. Pet insurance does not cover pre-existing conditions. There are a variety of pet insurance companies with various types of cost, coverage, deductibles, and plan types.
- Pet insurance is most useful for emergencies
- Most policies require you to pay first and then the company reimburses you
- Pet insurance does not cover pre-existing conditions
- Pet insurance is most useful if purchased when your pet is young. The older your pet is, the higher the starting premium is
Things to look for:
- How long is the deductible good for in regards to a certain condition (some must be repaid every year, some are good for the pet’s lifetime on that condition)?
- Are there limits on condition payouts (ex: limit of $3000 for a certain joint issue)?
- Do premiums increase as the pet ages or are they locked in as long as you maintain the policy?
Here are some of the more popular pet insurance companies. We recommend owners contact a few difference companies to find one that works best for their pet.