If you have a pet, and especially if you have multiple pets, you already know that veterinary treatment doesn't come cheap. Be that as it may, you still want to ensure that your pet gets the best health care available, so how do you do that without seriously impacting on your budget?
The answer is pet health insurance.
Just about every major medical insurer offers pet insurance these days. Unfortunately, the variety on offer brings its own problems. With so many options, how do you find a policy that provides the cover you need?
You start by doing your homework. Pet health insurance plans are no different to your own medical cover. Each of these plans has its own set of rules, regulations and exclusions, and its own level of cover.
Be absolutely certain about what you're buying because mistakes can be expensive, or worse still, can result in your dog not having the cover you thought you'd paid for.
Do I Really Need Pet Health Insurance?
That is a question that only you can answer, but ask your self whether your pet deserves the best health care. If the answer is yes (and I hope it is), then pet health insurance is mandatory.
Without cover, you are left with two options, either you foot the bill, or your pet goes untreated. And while putting away a bit extra to cover vet's expensive is admirable, what happens if your dog develops a serious disease or has and accident? This bills can easily run to thousands of dollars.
So pet health insurance makes good sense, and may actually save you money.
How Much Is This Going To Cost Me?
There are a number of variables that determine the cost of pet insurance, the main ones being the dog's age, breed and the level of cover required.
There may be other considerations as well. Some insurance companies will charge a premium based on your dog's lifestyle - for example, whether he is a watchdog, as well as a family pet.
What Restrictions Are Applicable To Pet Health Cover?
Again, these differ between companies and policies. One common factor is the dog's age. Many companies will not cover a dog that is over 8 years old, unless coverage was already in place before the dog turned 8.
Most insurance companies also exclude cover for pre-existing conditions.
In addition, there is often a 30-day exclusion period, before cover takes effect. Often, accident and emergency treatment cover is put in place immediately, while all other plans start after the mandatory waiting period..
What Is The Best Policy For My Dog?
Choosing the appropriate level of cover involves matching the cover you want to the premium you are prepared to pay. There are lots of different plans available and it's a competitive market, so do your homework and ask lots of questions.
Your dog deserves the best health care available, and pet health insurance ensures that you can provide it without denting your wallet in the process.
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