If you own a car, you most likely have automobile insurance. Smart homeowners get homeowners insurance. So what about your pets? Do you have pet insurance for your animals? A lot of people will say things like, “What is pet insurance? I never thought I would need to get insurance for my dog or cat. Well we are going to look at some of the questions you might have about pet insurance. That way, when you do decide to get a pet insurance policy, you can pick the best one for you.
So what exactly is pet insurance? Pet insurance functions a lot like medical insurance does for people. It helps the pet owner cover the cost of taking their animals to the vet. This can be extremely helpful if your pet is the victim of an accident, or suffers from the effects of a long term illness. A lot of people don’t think of these things when their pets are concerned. But the fact of the matter is, your pet can get sick like you and I can, whether it’s the common cold, or cancer. And treatments for a pet’s illness can get expensive, especially if it’s a prolonged illness.
Pets can become the victim of accidents, in fact a lot of them do. So what do you do when Fido just got run down in the street by that drunk who was too blitzed to see where they were going? You do what any normal, decent human being would do. You grab Fido and rush him to the vet. The vet tells you that Fido is suffering from multiple broken bones and lacerations and it looks like the only way to save his life is to operate immediately. This kind of operation can also be pretty expensive for the uninsured.
Pet insurance covers a lot of different things, like the operation we mentioned earlier, and the treatments for that prolonged illness. Pet insurance can also cover things like regular checkups, and booster shots when your dog or cat needs them. Some insurance policies even help the pet owner cover the cost of medication.
When you are trying to find the best pet insurance for you and your pet, you need something that covers a lot, and doesn’t cost a lot. The fees for pet insurance are a lot like medical or dental insurance would be for people. You pay a set fee, whether it’s monthly or not. This fee is often called a premium. Most pet insurance policies also have something called a deductible. The deductible is the amount that you will have to pay out of pocket because the insurance won’t cover everything one hundred percent.
You can get pet insurance coverage from most of the major insurance agencies. You can also try and get pet insurance from the plethora of smaller agencies that only handle pet insurance policies and claims. We don’t want to endorse any particular company in this article, but you can still find the best deal for you by shopping around. Compare agencies side by side and see where you can get the most bang for your buck. Remember you want someone who will insure your pet for vet visits, surgical procedures, accidents, and illness. It would also be nice if you found an agency that covers regular checkups, having your pet spayed or neutered, and their shots when they need them.
Don’t assume that all pet insurance policies cover these things. If you want to know what is covered, the best thing to do is ask the insurance agency to tell you what they will and will not pay for. You can find most of that information on the Internet, but it is still best to ask questions in person so that there are no misunderstandings later. If you’re going to get pet insurance for Fido, make sure you get the best. You can also ask friends and relatives who they insure their pets with. Some will say no one, but others may point you in the right direction. Veterinarians are also usually pretty knowledgeable about pet insurance, so try asking them next Fido needs a checkup.