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What? You want me to buy pet insurance?
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So you and your family are protected in case of a sudden illness or injury, but how about your family pet? Those of us that have had to suffer the burden of extraordinarily large veterinary bills know that sometimes it costs as much to treat a pet as it does a human. So what are your options? True, you can just roll the dice and hope that nothing ever goes wrong, that your pet is always healthy, and that no accidents ever occur. However, in today’s growing time of puppy mill pet store dogs and new illnesses like the Canine Flu, you can never be sure what you are going to get in the future.
As with buying insurance for you and your human family, it is just as important to research the insurance company for your pet and make sure that you know what you are buying. Here are the recommended questions to ask before buying any insurance for your pet:
Does the company have stability and proven success?
Does the company employ certified and trained professionals?
Does the company receive veterinary recognition?
Are you offered annual policies with honest renewal terms?
Will you receive renewable benefits?
Do you understand how reimbursements are determined?
Does the company specify coverage exclusions?
Does the company provide broad coverage and unlimited benefits?
Does the company believe in routine care for your pet?
Are you limited to a veterinary network or required to pre-certify?
I know this sounds ridiculous to even contemplate, but for those of you that have been lucky enough to avoid having to take your pet to the pet “ER”, you have no idea what you could be getting into. First off, most after hours or even regular hours emergency walk-ins charge a fee just to walk through the door. Speaking from recent experience when my dog became lethargic for no reason, we found out $2100.00 dollars later that she had a Clostridium infection. But of course they “had to” keep her for a day and a half, fluids, meds, x-rays….all that jazz. So believe me, we will soon be the proud owners of pet insurance. Most major incidentals are covered, such things as: accidents, illnesses, x-rays, surgeries, cancer, prescriptions, hospitalization, vaccinations, heartworm, flea control, urinalysis, dental care, and of course spay and neutering.
One important thing to consider is that if you're the type of person who would do anything to save your pet, including spending thousands of dollars on medical care, pet insurance might be a preferable alternative to going into debt.
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