Taking a Closer Look at Pet Insurance: Is it Right for You?
Modern veterinary medicine is literally a lifesaver for millions of pets. Being able to extend and improve the lives of our precious companions is a wonderful thing, but this advanced medical care is not without a cost. In fact, for many pet owners, this can place significant financial strain on a household.
Similar to how health insurance can help offset our medical bills, pet insurance can also provide peace of mind. Pet insurance isn’t necessarily the right choice for everyone, but it may be worth looking into and discovering for yourself whether the benefits outweigh the cost.
What Pet Insurance Can do for You
Pet insurance is typically designed to help pet owners cover the cost of emergency surgery, sudden illness or injury, or other unplanned events. In many cases, policies also allow for routine wellness services, such as checkups, pet vaccinations, and teeth cleanings.
Pet insurance companies generally require that you pay for services up front and then submit a bill for reimbursement. This is different from human medical insurance, where the company typically pays first and then the patient is responsible for any remaining cost.
Do Your Homework
The decision to purchase pet insurance is an important one, which means you’ll need to do your research before selecting a company and individual plan. Consider the following key factors:
- Cost – Depending on what you feel is most helpful, insurance can be purchased to cover major medical expenses only, routine care, or both. Take a close look at your budget to determine whether you can afford the premium.
- Pre-existing conditions – Many companies do not cover pre-existing conditions or breed-specific diseases. Find out what the limitations are before making a decision.
- Reputation – The experience of other pet owners is invaluable when selecting a pet insurance company. Read reviews, get references, and call each company directly (and see to it that your questions are answered).
Many companies employ a waiting period before the policy goes into effect, so make sure you know when your pet is officially covered.
A Focus on Care
When an illness or accident threatens your pet’s life, the last thing you want to do is focus on the financial aspect of their care. Pet insurance can help relieve worries over money and allow you to concentrate on helping your pet recover.
To find out more about pet insurance, please don’t hesitate to contact the team at Berks Animal Emergency & Referral Center.