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Pets Are Part of the Family and Need Insurance

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Purchasing insurance is a great way to make sure that your entire family is protected in case something bad happens. Most people would consider their pets to be important members of their family. Your pets are going to get sick from time to time, just like the humans in your family do. It's possible that your pet will require serious medical attention, due to an accident. Vet bills can often be extremely expensive, unless your pets are protected by pet insurance.

Think of it as a health insurance plan for your dogs and cats. A pet insurance company may sell one kind of pet insurance for dogs, one for cats, and another for avian, reptile, or exotic pets. You will want to find a plan that will cover the cost of treating your pet's illnesses, accidents, and routine care.

An illness and accident plan will cover at least some of the cost of emergency visits to your vet, surgeries, cancer treatments, medication injections, and hospitalization (or overnight care). It can cover the medications your vet prescribes, lab tests, MRI, CAT scans, and X-rays. Some plans may include acupuncture or chiropractic visits if your pet requires them. This portion of a pet insurance policy is used when emergencies strike, and your pet needs immediate medical attention.

Your pet may have a hereditary condition that is specific to the breed of the pet. If this requires treatment, your pet insurance can cover some of the cost. It is always a good idea to find out exactly what kinds of conditions or diseases that your pet insurance plan will, and will not, cover. Is your dog or cat pregnant? Pet insurance may cover the cost of hospitalization, medications, and whatever else your vet feels is needed so that your pet can safely give birth. Some breeds are excluded from being covered in case of pregnancies, so you will want to check to make sure your pet's breed is not on that list.

Just like with many health insurance plans for humans, a pet insurance plan will often require you to pay a deductible. The cost of the deductible will vary from one plan to another. Be prepared to pay the deductible at the time of service.

The routine care portion of a pet insurance plan is used when your pet requires it's annual exam. It may also cover some of the costs of spaying or neutering. In general, the routine care plan will cover teeth cleaning, blood panel (or blood work), fecal tests, heart-worm tests, and a urinalysis test. It will cover tests for feline leukemia for your cat.

The human members of your family require certain vaccines or inoculations in order to be protected from serious diseases that are contagious. The same is true for your pets. Pet insurance helps you pay for the cost of shots that protect your pet from rabies, parvo/corona, DHLP, lyme disease, giardia, FVRCP, feline infectious peritonitis, and also for flea, tick and heart-worm prevention. If tragedy strikes, and your pet dies from an accident or disease, pet insurance can help you pay to have your pet buried. You can think of this part of a pet insurance policy as the pet version of a life insurance policy. It is an extremely sad and stressful time when a pet dies, and your family will be upset, and grieving. Protect your family from having to struggle financially in order to give your pet the burial that your family wants your pet to have. Get a pet insurance policy to help you pay those costs.