Some people wonder if it is beneficial to buy insurance for their pet. That is an interesting question, as people are certainly concerned about their own health care needs. Therefore, it stands to reason that a pet’s health care needs should be covered too.
A Case in Point
For instance, suppose your dog got out of your fenced yard and was struck by a car. Your dog will most likely need to have an operation to save his or her life. Unfortunately, you probably did not count on this type of event disrupting your life. You cannot afford to pay for your pet’s care when he or she could otherwise be saved.
Moreover, dogs often swallow items that need to be removed. In fact, this is one of the major reasons why dogs have to undergo surgery. If you do not have the means to cover the cost of such a procedure, your pet could most likely die. Is this really the way to treat man’s best friend?
That is why it is in every pet owner’s best interest to review the various insurance policies and covers. For instance, pet insurance provides protection for accidents and illness. You can choose to purchase accident cover, comprehensive cover, which protects pets who are involved in mishaps or who become sick, and major medical cover, which covers accidents, illnesses, and routine care.
Major Medical Cover
Usually, your best choice is major medical cover, if you can afford it. However, any type of policy will typically cover up to 80% of a veterinarian bill. You simply need to review the benefit limits featured on the policy as well as the terms and conditions. The excess level also plays a part in what you will pay in pet insurance cover.
Selecting the Excess Amount
For instance, you can choose an excess amount of $0, $100, or $200 per year for each unrelated condition that your pet may have. This is true for all types of dog or cat insurance cover. One of the best ways to keep your premium low is by increasing the excess amount. However, you need to make sure that you could pay this out-of-pocket cost should your pet become sick or injured. If you can afford an excess of $200, this will help keep your premium much lower and will give your pet a good deal of protection.
Again, choosing major medical protection is best, as it covers all illnesses as well as accidents. You will also receive cover for cancer care, skin conditions, allergies, ear or eye problems, or gastrointestinal difficulties. Major medical cover also takes care of tick paralysis, lab and diagnostic testing, hospitalisation, and specialist veterinary care.
Some of the Ways in Which Your Pet Is Protected
If your pet needs x-rays or requires prescription medications, your insurance will cover this as well. Hereditary and congenital conditions can be treated when you have insurance protection, as can cruciate ligament injuries.
When you review all the protection you can receive, you cannot overlook the advantages of buying pet insurance for your cat or dog. Doing so is the responsible thing to do if you want your pet to receive excellent veterinary care.