Most of us think of our pets as a part of the family. Because of this, no pet owner wants to think about the bad things that could happen to their pet. Nevertheless, just like health insurance, veterinary pet insurance is an important part of keeping your pet safe and healthy.
Why Is Pet Insurance Needed?
Visits to the veterinarian can arise suddenly and unexpectedly. If your dog is playing in a dog park and he is bitten or mauled by another dog, he may need shots, medication or surgery. Your dog may contract a sickness, such as the dog flu. He may also have hereditary conditions that need veterinary care. As dogs increase in age, they need more visits to the veterinarian. These are costs that you will need to consider if you own a pet.
You will want your pet to remain as healthy as possible throughout his life. That means he will need regular exams and vaccinations.
Comparing Veterinary Pet Insurance
Just as with your own health insurance, you should compare veterinary pet insurance plans. They are offered in both full coverage and partial coverage. You should weigh the size of the premium required against the amount of coverage offered.
Pet insurance plans are primarily of two types. One type offers a fixed reimbursement amount based on the classification of coverage. The other type offers a percentage of the total amount charged for a veterinary procedure. Either one of these methods may work better for your individual situation.
As with your health insurance, pet insurance plans may have restrictions as to the specific veterinarians in their plan. Some allow you to choose your own vet. If your favorite veterinarian is not listed on the plan you choose, you will most likely have to pay the entire vet bill when it comes due. It pays to compare insurance plans, and ask your veterinarian what plan he endorses.
Veterinarians do not sell pet insurance. However, they may be able to guide you in the choice of a suitable veterinary pet insurance plan for your pet.