Is Health Insurance For Pets Worth The Price?

Yes, yes, and yes some more! – And the sooner the better. The younger and healthier your pet, the more insurable it is and the lower your premiums will be.

Yes pet insurance is another monthly expense to add to the list. However, it’s one you can budget for in advance, as opposed to an emergency vet visit. Premiums are fairly reasonable and not having to factor in cost when facing the decision of whether to provide treatment – priceless. A recent survey showed 73 percent of people were willing to go into debt for their pets.

Choosing between your pet’s health and your financial well being is a terrible predicament to be in, but with a little planning you can avoid this happening to you.

Another reason to get in on pet insurance now: because it’s set up so that you pay for treatment up front then fill out the forms for reimbursement, vets don’t have to deal with a bureaucracy. Pet insurance companies also don’t get to dictate the treatment your pet receives. That’s not to say you don’t have to do research to get the best deal.

Things to consider for comprehensive insurance plans – which are different from discount plans where you pay an annual fee in return for lower prices on vet services – are similar to what you’d look for in human plans. Just be sure to read the fine print.

These are the top 10 things to consider when deciding on pet health insurance:

CHOICE OF VETERINARIAN

Most plans let you see anyone you like; others are similar to HMOs, limiting you to certain health-care providers.

WAITING PERIOD

There’s usually at least a 10-day wait so that people don’t sign up immediately after their dog leaps down a staircase.

RATE GUARANTEE

Some companies adjust their premiums on a quarterly basis; that means if they pay a claim they can raise your rates in the next period. Make sure the company you choose offers contracts for at least one year, with no fee-rise adjustments if you submit a claim.

  • Jessica

    Jessica is a passionate pet lover and veterinarian with over 15 years of experience. Her blog serves as a reliable source for pet health advice, ranging from preventive care to handling emergencies.

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