Before You Buy: What You Need to Know About Pet Insurance

Related Articles

Making the choice to get a pet dog or cat these days is often a difficult choice to make when you have kids and you wonder if you can afford the added expense.

I am sure you are well aware of the benefits of having a pet, but you worry about the cost incurred from having one and what will happen if you cat or dog becomes ill.

Let’s face it, once we adopt a pet they become a member of our family and we like to do whatever possible we can for them if they become ill. This is not always possible due to the high cost of taking a dog or cat to the vet, let alone paying for any treatment they might need.

Many insurance companies have tried to help us with the high cost of taking care of a pet by offering pet insurance. Although pet insurance is an option, it is not widely owned.

It has been estimated that only 3 percent of dogs and 1 percent of cats are insured.  Most pet owners do not get pet insurance because they are misinformed about it. One of the biggest misconceptions is that it costs too much.

Pet insurance is intended to help owners avoid having to choose “economic euthanasia,” that is, letting a beloved animal go because they can’t afford the vet costs.

Although you will have to examine the different pet insurance out there and figure out if they are worth it for the age and health of your pet, here are five things you should make sure you have the answers to before you buy it.

Remember that pet insurance may give you the ability to get quality veterinary care for your pet if they need it. Just make sure you do the background work to determine which insurance is the best for you.

The first question you should ask is “How much does the plan cost?”  Make sure that you are getting the right amount of insurance at an affordable price. Something that you should be aware of is that “Unlimited” plans will often cost you a higher price.


You should also know that only 0.5% of those insured with pet unlimited plans ever hit this limit. So the question becomes, “Is it be worth it to have the more expensive plan?” What are the chances you will use it?

Another important question to have answered before you buy pet insurance is what factors will affect the reimbursement you will get when you finally use your insurance?

A word to the wise, you should avoid those plans that limit injury and illness pay outs by excluding exam fees, incident deductibles and by using a benefits schedule. You will usually lose from these kind of plans.

In conjunction with this question is whether they will cover wellness visits. Wellness visits are important so you should try to get a plan that covers these.

With one pet insurance that is out there, the wellness visits only cost $10 more a month. This is not a lot if you consider that one visit could cost you as much as $65.

If you are going to get pet insurance, you should make sure you get it from an experienced provider.

They have done the insurance before and you are less likely to have any problems getting reimbursed if you deal with a company that is experienced.

And finally make sure you understand what the insurer may require you or your vet to do before you acquire the insurance. Some insurance companies require you to have your dog or cat examined first.

Remember that pet insurance may give you the ability to get quality veterinary care for your pet if they need.  Just make sure you do the background work to determine which insurance is the best for you.

More on this topic



Please enter your comment!
Please enter your name here



Flat-coated Retriever – Dog Breed Profile and Information

The Flat-Coated Retriever may look like a mix between a Golden and a Black Lab, but these sporty and smart dogs are a different...

10 Fastest Dog Breeds in the World in 2020

Curious about the fastest dog breeds in the world? Let's talk about it. There are many fast animals in the world – from wild...

10 Most Intelligent Dog Breeds in the World in 2020

When it comes to intelligence, dogs are easily on the list of very smart animals. There are lots of Super smart dogs, but some...

10 Types of Cockatoos That Make the Best Pets in 2020

Cockatoos are semi-big and beautiful birds with one of the most interesting things about them is that there are different cockatoo types — the ones in...

Curly-coated Retriever – Dog Breed Profile and Information

The lovable and even-tempered curly-coated retriever has a striking resemblance between a Lab and a Poodle, but it is its breed. Known for been...

Bearded Collie – Dog Breed Information and Profile

Graciously specified as "Beardies," Bearded Collies are super intelligent, energetic working dogs that were formerly bred to herd sheep in Scotland.Nowadays, they make a...

What the Color of Your Dog’s Gums Mean?

Just like humans, every dog's teeth are surrounded with gums. The gums are mucous membranes that not only holds our canine's teeth in place...

Toy Poodle – Dog Breed Profile and Information

Toy poodles are among the most popular breed of dog on the planet. They are also highly intelligent and energetic dog breeds with very...

Different Types of Retrievers

Maintaining two of the most outstanding three dog breeds in the United States, retrievers are amazingly popular due to their energetic personalities and tender...

Arachnophobia (Fear of Spiders and Other Arachnids) – Causes and Symptoms

Not all of us do well with insects around us. So if you are scared to death each time you see a spider or...