Pet health insurance is not a new idea. It has been available for over 20 years. But there are still those who feel that pet health insurance is still relatively new.
Currently there are many options. While some pet owners are skeptical, some fear that adding insurance to veterinary medicine will follow the path of the insurance red tape and problems found in the human health field.
Pet health care policies are similar to human insurance policies in some ways. There are annual premiums, deductibles and different coverage plans based on what the owner chooses. Plans are based on species, age, pre-existing conditions, and in some cases even the pet’s lifestyle.
According to some experts, the best time to get pet insurance is when the animal is still young. Many pet health insurance policies do not cover pre-existing conditions. Early insurance may also cover certain initial veterinary procedures such as vaccinations and sterilization.
When looking for pet health insurance, keep the stability of the company in mind. Even though pet health insurance has been around for over 25 years and has grown into a strong industry, few companies have been in the market for a while. So, when buying pet insurance, do your research on the insurance company. Know how long the company has been operating and whether it is financially sound.
Make sure the company has in-depth veterinary knowledge. A good pet health insurance provider should have knowledge of the veterinary and insurance industry. It should have trained veterinary professionals on their staff. It pays off if your vet actually recommends pet health insurance.
When looking for pet health insurance, look into wellness coverage. Preventive care is important for the long-term health of the pet. To encourage and remind pet owners to take their pet to the vet regularly, there are pet insurance plans that cover common preventative treatments and procedures such as wellness exams, vaccinations, heartworm protection, spaying, teeth brushing, prescription flea control and much more.
In addition to the wellness cover, also view the extensive cover for illnesses. The policy must cover prescription drugs, dental disease, allergies, and diabetes. Also check whether your pet is insured, even if it is not at home. Good pet insurance should cover your pet wherever you are.
Also see if it is possible to have your own vet. Some pet owners prefer to have their own veterinarian, including veterinary specialists such as oncologists, neurologists, and allergists.
If pet health insurance isn’t for you and your pet, there are other options you can choose from to keep your pet healthy.
You can check this with your vet. There are some hospitals that offer wellness packages. They offer discounted prices on vaccinations, spay/neuter and similar medical care. Some even have geriatric health check packages for you to check.
Discount programs like Pet Assure is another option. This national program offers 25 percent savings on veterinary services. They can sometimes offer as much as 50 percent on pet supplies. They have a network of participating vets and pet retailers where you can take advantage of their services and discounts.
Some human and non-profit organizations provide financial assistance to pet owners. Some veterinary offices even maintain an emergency fund for pets in case they have an emergency. But even if there is an option like this, pet owners must pay or cover the financial costs of emergencies in the first place.
Pet health insurance is something that can help pet owners provide the best possible care for their pets in times of need.
However, health insurance isn’t the only option pet owners have. Yet the most important thing is tender loving care.