The question is actually one of being prepared for the worst. You need pet health insurance and hope you never have to use it. It is much better not to get pet health insurance and not need it.
Molly B was a very cute, lovely and absolutely amazing West Highland Terrier. Coming into my life when she was 12 weeks old, I accepted her best as I was meeting her with a respected AKC breeder. I had no way of knowing what it was for. I was not prepared for the thousands of dollars that I would spend in vain in trying to save her life.
Molly B develops a hereditary condition that closes her liver. It was so devastating that our good veterinarian told me that his test numbers were higher than anyone he had seen. I prayed (and paid) until I could pray and pay. Molly Bee had to sleep when she was 18 years old. I was devastated and thousands of dollars passed out. Remembering the pet health insurer I read in her doctor’s office, I vowed never to go without pet health insurance again.
You can be given six useful tips to know about this topic. Remember: It is much better not to get pet health insurance and not need it.
Most people do not consider their pet’s breed, its nature, whether or not that breed can interact with their pets on an active or sedentary lifestyle or neighborhood children or other animals, both wild and domestic. Younger children can pose a real threat, and that Rottweiler who lives down the street or that an open space park can make a $ 1,000 VT bill with one bite of your Jack Russell Terrier.
1. Must Read Brochure!
Like health insurance for humans, there are all kinds of plans to fit your budget. Most pet health insurance plans offer 80% coverage (20% deductible or perhaps $ 100 initial treatment limit), which can increase with your monthly premium. For about $ 12.95 USD a month, you can insure your pet the costs associated with treating them in most accidents and in an emergency. You are likely to pay better for regular pet health care, vaccinations and such as you go, or out of pocket.
2. When does coverage begin?
Often the waiting period is usually 14 to 30 days before your pet health insurance coverage begins. Make sure that your vet has well documented the good health of your pet in its last visit to say that there was no pre-existing condition (or that the condition has been exempted or insured). A good time to buy pet health insurance is after a visit to the vet.
3. Can I choose my vet?
Most plans allow you to choose your pet healthcare provider, especially in the event of an emergency. I suggest that you tell your veterinarian about which insurance programs they accept for customary or general and emergency pet health care.
4. Every year 6 million dogs and 6 million cats are diagnosed with cancer. Will my insurance cover those costs as well?
Be sure to read your pet health insurance plan to see what is or is not covered. Often, your insurance policy will allow you to add some coverage for an additional premium. Contact your carrier for more information.
5. Are there age requirements or restrictions for pet health insurance?
Yes, most plans do not cover the first eight to twelve weeks of your pet’s life. Some plans are limited to pets up to age 12 (varies with your pet’s age at the time of purchasing insurance) and there are other limitations depending on your pet’s breed. Great dens, for example, usually do not live beyond the age of 8 years. And, I have cats that were 20 years old! Most policies place age and / or breed restrictions on their coverage.
6. But I have more than one pet! Can I save them all by insuring them?
Yes, most plans offer a discount (often 10% per pet) when you insure your entire “family”.
In closing, you need to carefully consider all the options of health insurance for your pet. Having no insurance is just plain irresponsible. If your pet requires emergency care and you cannot afford that care, contact your local humane society or ASPCA to help them.
Remember that pet health insurance should not be expensive, is not limited to a single vet, is not complicated to use, can provide coverage for general care or check-ups and can be applied online!
In any event, we would be happy to answer your questions about this important decision. Send us an email or comment for this article and we will get back to you as soon as possible.