By Nancy Cope
When you first hear about pet insurance, you might not think it’s something your dog needs.
Or you may wonder about whether it’s worth spending the money on your policy.
But a single visit to a vet could cost a hundred dollars or more. Depending on the illness, several more visits and treatments might very well be required.
Expansive treatments can run into the thousands of dollars. At some point, many dog owners realize they have exceeded their budget for their ill dog or cat. That’s when a grim choice rears its head. You have to decide whether or not you can continue amassing mounting medical bills or consider whether it’s time to consider putting your loyal pet to sleep.
Why face such a depressing choice when there is an option available? You can acquire a quality pet insurance policy that can offer financial coverage to ensure at least a portion of your pet’s medical expenses will be covered. Whether you own a kitten or a puppy or your pet is an older one, you may be able to find the perfect policy that will provide the right amount of coverage.
While no insurance provider is identical, there will be certain similarities present among the policies that the many providers offer. Probably the most common of all categories would be comprehensive pet accident and illness insurance. Such a policy would provide total coverage in the event your pet becomes ill or suffers from an errant and unfortunate accident. Total coverage means all of the expenses related to care would be offered. There will also be limited insurance policy options as well and these would not present total coverage of expenses but would cover a portion of the costs.
With some policies, you can even add lost or missing pet coverage options that would reimburse you for the value of your pet. While no amount of money will replace your missing and beloved four-legged member of the family, the funds you will receive can cover the expenses of bringing a new pet into your home.
Questions will likely arise regarding where you can acquire a decent pet insurance policy. Brick and mortar insurance providers will not exactly be the most common source to go to when you wish to acquire pet insurance. Thanks to the internet, you would not be required to visit any insurance company office. You can procure a reliable and comprehensive pet insurance policy online. Through seeking out policies online, you might be able to find the perfect one to make sure the four-legged member of your home is always covered in the case of a medical emergency or an accident.
The costs associated with a pet insurance policy are generally quite reasonable. It is not uncommon to see policies in the range of $15 to $20 a month. The low cost is somewhat understandable since the insurance companies realize that a pet already in good health and well taken care of will not be prone to suffering from an illness with great frequency. Of course, you can expect to pay more for older pets and those that may already have pre-existing conditions.
For those who are now sold on the notion of acquiring a policy to protect their pet’s health and well-being, two common questions will immediately arise:
How do you go about finding a provider and which policy would be the best one for you to select?
Finding a provider is easy because there are scores of advertisements online promoting them. But to be sure about the quality and reliability of the provider, you might want to consider getting recommendations from your vet or other pet owners.
Once you have received recommendations for a few of the reputable pet insurance providers, you can then take the steps to apply for a quote online. Filling out the necessary application is usually easy as online forms require little more than typing in basic pertinent information.
Once you have submitted your application, the insurance companies will send a comprehensive quote. You need to read each and every quote you receive thoroughly. The reason is you want to be sure you are acquiring the most affordable policy that comes with the most effective amount of coverage.
This may seem like a lot of effort and, to a degree, it is. However, since you want to be sure your beloved pet is cared for in its time of need, the effort you put into finding the perfect insurance policy will be well worth it.
Nancy Cope is the owner of four rescue dogs and Pampered Dog Gifts.