Is it Worth the Cost? Pet Insurance
29.September, 2009
Human insurance isn’t easy to come by these days, because it can be so expensive. Plus, there’s sometimes not much of an incentive to buy it. Why make monthly payments on the off chance that something bad might happen when you can go to a clinic that allows sliding scale payment? However, insuring yourself and your family is the responsible thing to do, and it’s important so you can get preventative healthcare and not just treatment when things go wrong. Pet insurance works the same way.
When determining the cost of policies, companies take into account various things:
The age of your dog
The breed of dog
The cost of your dog
The type of policy you use
Your Post Code (in the UK at least).
You may get a quote which seems very reasonable to you, but beware. You may find that you would only be covered for a year for an illness and after that, you’re on your own. Not very good if your dog develops diabetes for example.
Some policies give different levels of cover. Study all of them and see which one you would feel happiest with, bearing in mind that the highest level will be more expensive per year. Check on the amount of the excess you will need to pay in the event of a claim. It can vary. We had a policy once for our pet whose excess was 50 pounds until he reached the age of 9 and then it shot up to 90 pounds. Too much! We changed to a company who insured older dogs and the excess is lower and he is covered for life. It may cost us a bit more per year, but as he’s now 14 we’re not taking any chances.
Unexpected events are not fun, but they are a learning experience. In an effort to increase awareness about these unexpected pet events, Veterinary Pet Insurance Co. (VPI) has created the Hambone Award. This is the first national award of its kind, and it’s awarded to a pet who experienced one of these unexpected events and made a full recovery as well as received reimbursements for eligible veterinary expenses.
There are many different pet insurance options available, so there is sure to be something for you no matter what kind of animal you keep, or the size of your budget. You can cover yourself for the present and the future by getting pet insurance as soon as possible
Resource Author Francisco R. Higueras
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