As a new pet owner, pet insurance should rank highly on your list of priorities. You wouldn’t hesitate to organize life insurance for yourself and your loved ones so why should your furry friend be any different? It can protect your pet in the event of an accident or emergency and cover the purchase price in the event of sudden death. A number of plans also include third-party liability cover, but this is usually reserved for dogs only. Continue reading to familiarise yourself with the importance of pet insurance.
It can save you money
Whilst pet insurance may be another monthly expense, it can end up saving you a substantial amount of money in the long run. If your pet falls ill when you are financially unprepared, pet insurance will cover the partial or full cost of any resultant emergency treatment. Depending on the pet insurance policy you have opted for, you may be required to meet a small deductible before paying for a percentage of the final cost. If your pet is in great physical condition, has a clean bill of health, and is microchipped and jabbed, your pet insurance policy may end up being considerably lower than the fee you were initially quoted. By keeping a lookout for early signs of illness or disease, you may also be able to stop it in its tracks and prevent the condition from worsening or deteriorating over time. Failing to do so can lead to costly vet bills even if your pet is insured.
It provides you with more treatment options
By organizing pet insurance, you can choose from a wide range of treatment options to suit your lifestyle and budget. This can range from life-saving surgery to chemotherapy. Without pet insurance, you may be slapped with a four-figure bill. If you are financially unable to afford this, you may be forced to refuse treatment or find out if there are any grants or loans available to suit your individual circumstances. Several pet insurance policies may also cover the cost of a core vaccination for your furry friend so you can relax safe in the knowledge that they are protected from a number of external threats. This is especially important for pets that are prone to exploring their surroundings or spend the majority of their time outdoors.
It can allow you to choose your vet
Whilst humans are rarely given the option to choose their own doctor, pet insurance can allow you to choose the best vet for your pet. During the decision-making process, you must consider a vet that offers out-of-hours, emergency, and weekend appointments. This can allow you to provide an extra level of care for your pet and be reassured that help is available if and when need be. To ensure you have chosen the best vet for your vet, you must weigh up the pros and cons of each option before making an informed decision.
It is easy to navigate
Whether you are an experienced or first-time pet owner, pet insurance is easy to navigate. With providers able to guide you through the process from start to finish or even just point you in the right direction, filing a claim can be done in a matter of minutes. It can also be done online in the comfort of your own home. By submitting a claim with a receipt from a recent vet visit, your provider will reimburse you through direct debit or send a cheque through the post that usually arrives within a week or two.
It can provide a better quality of life for aging pets
If your pet is aging, life-long pet insurance can ensure they enjoy their final years in any way they can. With the best treatments and medication available to them throughout their life, they are much more likely to age gracefully with a relatively sparse medical history. You must, however, find out ahead of time whether or not the pet insurance policy you intend to choose has age or size restrictions as this can render your pet inapplicable. With your pet more likely to suffer from a number of health conditions and ailments as it ages, it is a great idea to organize pet insurance at the earliest convenience.
Pet insurance can have a wide range of benefits for you as well as your furry friend. As well as saving you money, it can also provide you with more treatment options, allow you to choose your vet, is easy to navigate, and can provide a better quality of life for aging pets.