Considering Pet Insurance: Is It Worth It?

Care & Wellness, Cats, Dogs, Emergency Situations

You love your pet, but you also have bills.  Have you ever been concerned whether you can afford to take your pet to the veterinarian for an emergency or special procedure? Or if you should have pet insurance?

Pet insurance can help you cover your animal’s health care costs, but there are several considerations to keep in mind.

When It Comes to Pet Insurance, Know Your Options

Just like human health insurance, pet insurance plans vary. Some plans cover basic wellness plans. This is a good baseline insurance, as it will help defer the cost of annual exams, vaccinations, and other routine care.

If your pet has an adventurous spirit, is clumsy, or rascally like the retriever from Marley and Me, you might consider a plan that covers accidents, too.  Older pets should have plans that cover emergency and specialty care.

Obtaining pet insurance for your pet when they are a puppy or kitten is important to helping your decrease the cost of the insurance and reduce your pet’s disqualifications for pre-existing conditions.  Generally, the early you start, the less your premium will be for your pet, but it’s never too late to start your pet on pet insurance!

Pet Insurance Works Differently 

Also, pet insurance usually does not cover pre-existing conditions such as allergies, chronic ear infections, and orthopedic conditions.  Take the time to understand a plan’s limitations as it relates to your pet’s medical history before you initiate a new policy.

Another unique thing about pet insurance is that it is a reimbursement program. This means that you pay for the initial treatment for your pet and then file a claim with your insurance company for reimbursement.  It’s important to understand the insurance plan’s ins-and-outs before you commit to it.

In Most Cases, Pet Insurance Is Worth It

Even if you are financially secure, you should consider pet insurance. For one, pet insurance can help guard against the full cost of your pet’s medical care. Most Americans can get blindsided by emergency bills. Pet insurance helps you to budget pet health care costs and allows you to save your emergency funds for other things. Insurance also gives you peace of mind, and the power to choose the best treatment for your pet without sacrificing care for the sake of cost.

Finding the Right Insurance Plan for Your Pet

There are many different pet insurance companies out there with a variety of plans. Some car and home insurances even include pet insurance in their bundles. Many plans have different deductibles, premiums, and copay requirements depending on the company or plan you choose. Pet insurance also usually has a waiting period between when you purchase it and when you can start using it.

The following websites also offer great information on pet insurance:

Spotsylvania Animal Hospital provides medical and surgical care for every stage of your pet's life including preventive wellness care exams and vaccines, spays/neuters, and a variety of specialized care for your dog or cat. Learn more about us!

Yes, Your Pets Are Still Vulnerable to Fleas, Ticks, and Mosquitoes During Cold Weather

It’s cold outside! Most people think their pets don’t need to use flea or tick prevention during the winter. WRONG! Fleas, ticks, and mosquitoes can survive and thrive all year long in Virginia. Not only that, but your pets and home are a nice warm haven for these...

It’s No Myth: Chocolate is Toxic For Cats and Dogs

Valentine’s Day, St. Patrick’s Day, and Easter are days of celebration. Cards and chocolate are common presents. But, pets can’t read cards and they certainly shouldn’t eat chocolate. Remember to keep your chocolate desserts put away or high out of reach from your...

Why You Should Think Twice Before Feeding Your Pet a Grain-Free Diet

Nutrition is an important part of your pet’s overall health. Choosing the right food for your pet can be an overwhelming endeavor given all the choices on the market. The Grain-Free Pet Food Trend Isn’t Supported by Science Over the past few years there has been a...

What’s Up With Lyme Disease In Dogs?

Spring weather is here again, which means many people are taking their dogs out for nature walks. This is also the time of year veterinarians see an “uptick” in Lyme disease infections. Lyme Disease is Spread by Tick Bites Lyme disease is caused by a bacteria spread...

Resource Topics

How to Keep Your Pets Safe Through the Holidays

We all love to spoil our pets around the holidays with new toys and treats. Make sure you keep them safe by following...

Yes, Your Pets Are Still Vulnerable to Fleas, Ticks, and Mosquitoes During Cold Weather

It’s cold outside! Most people think their pets don’t need to use flea or tick prevention during the winter. WRONG!...
Comments Box SVG iconsUsed for the like, share, comment, and reaction icons

With warmer weather coming never leave your pet alone inside a sitting vehicle - even for a minute.

Temperatures inside can rise nearly 20 degrees in 10 minutes. On a 70-degree day, temperatures could approach 110 degrees after one hour!

On hot days, limit exercise to early morning and evening hours, and stay off asphalt to keep paws cool.

Watch for possible signs of overheating such as heavy panting, bright red gums, vomiting or diarrhea. Please call us with any concerns.
... See MoreSee Less

With warmer weather coming never leave your pet alone inside a sitting vehicle - even for a minute.
 
Temperatures inside can rise nearly 20 degrees in 10 minutes. On a 70-degree day, temperatures could approach 110 degrees after one hour!
 
On hot days, limit exercise to early morning and evening hours, and stay off asphalt to keep paws cool.
 
Watch for possible signs of overheating such as heavy panting, bright red gums, vomiting or diarrhea. Please call us with any concerns.
Load more