When you get a new pet, they quickly become just as much a part of the family as anybody else. So much so, that injuries and illnesses are just as emotional, not to mention financially stressful, which is why it’s important that your pets get the care that they need when these things happen.
Pet insurance is a monthly premium paid to an insurer that acts as a safety net for unexpected events, and while its primary purpose is to cover accidents and illnesses, pet owners often see reimbursement for routine visits, emergency boarding fees, and training classes, among other things. With a small monthly premium, you can make sure that you are prepared for costly veterinary bills and that your pet gets the proper care when he/she needs it most.
Three Different Coverage Options
Pet insurance is available for cats and dogs, and the coverage options will typically be split into three different categories. The most common types of coverage options for pet insurance in Australia include all of the following:
- Accident-Only: Car accidents, broken bones, snake bites; all of these things happen by accident and need to be treated immediately, and this insurance option allows you to do so without worry.
- Accident & Illness: Pets, as humans, fall ill, and some breeds are even prone to certain conditions. This coverage option ensures that they get proper care for a variety of illnesses.
- Comprehensive: If you take your pet to the vet for reasons other than accident or illness, you may want a more comprehensive coverage option that covers thing such as routine care.
If you are unsure which option suits you best, you can talk things over with your insurance providers, who can usually offer some insight.
What to Expect
When you acquire pet insurance from a reputable provider, you can expect to work with individuals who are experienced and knowledgeable. You will submit all of your pet’s details including breed, age, and species, among other things and select the coverage option you prefer. For both dogs and cats, you can expect all of the following:
- Up to 80% coverage
- No excess pay
- Coverage for pets as young as 8 weeks
- Ability to use any licensed Veterinarian
Pet insurance gives you the freedom to visit any licensed veterinarian in Australia to get the care that you need, and most often, your insurers will cover major percentages of your medical bills to relieve you of financial worries.
What Pet Insurance Means for You
Having pet insurance means that you can give your pets the care that they need without hesitation, which minimises their suffering and gets them on a quick path to recover.
In some situations, you may even be able to upgrade veterinary clinics. If you are seeing a particular vet due to the low costs, your pet insurance may allow you to pursue higher level care from a more sophisticated clinic. Most importantly, however, pet insurance dramatically reduces the financial impact of unexpected veterinary costs, and with something such as routine care coverage, you can more easily take preventative measures to minimise the risk of future complications.