Insurance for pets is crucial for a number of reasons. Our cats and dogs are like members of your family, so you want to treat them accordingly. It is your responsibility to take care of your pets whenever they are sick. Insurance is necessary because it is simply the right thing to do. Insurance covers a variety of ailments for most cats and dogs, including ailments that are quite common in animals. And, since most insurance is extremely reasonable in price, pet owners simply have no excuse for not purchasing it.
What Does Insurance Cover?
Much like insurance for human beings, insurance for pets covers a variety of ailments, but it also offers a variety of excess amounts so that regardless of your financial situation, you can easily find the policy that is right for you. Most policies cover pets starting at a certain age – usually eight weeks – and cover them through the age of nine years. Ailments covered in most policies include:
- Basic sickness and illness
- Infectious diseases
- Gastrointestinal illness
- Injury due to an accident
- Eye and ear problems
- Hospitalisation, including surgery
- Prescription medication
- Radiology services
- Lab and diagnostic tests
- Tick paralysis
- Visits to specialists
- Skin conditions, including allergies
Most pet insurance companies offer more than one type of policy, but most policies cover basic services such as the ones mentioned above and more. There are also annual benefit limits, although these limits are usually fairly high, ranging from $8,000 to over $15,000 per year. Most cover approximately 80% of the vet bill on each visit and have excess amounts that range from $0 to $200 per year.
In addition to these characteristics, most insurance policies have a waiting period of approximately 30 days for most illnesses and conditions, which most pet owners consider very reasonable. In addition to a variety of ailments, most insurance policies will also cover boarding fees for your pets, usually up to $20 per day with a cut-off limit of up to $1,200 per year. They also offer their services even if you travel out of the country, and allow discounts for insuring additional pets.
Advantages of Having Pet Insurance
Insurance for pets is affordable and easy to obtain, with many companies allowing you to enrol in a policy online through their websites. Most policies do have some exceptions – for example, they will not pay for pre-existing conditions or anything related to pregnancy – but overall, the policies provide a lot of cover for a small premium amount, so they provide a lot of peace of mind for only a small price. Most pet owners agree that these policies are well worth the cost you pay for them.
If you need medical insurance for your cat or dog, you can start researching your options by going online. Most websites offer testimonials from satisfied customers, a way to compare various policies and extensive details on all the policies they offer. Going online is a perfect first step to choosing the policy you need.