Owning a pet is one of the simple pleasures of life that make life so worth living. Pets not only bring joy and happiness to life, but they help their owners become better humans in general. The satisfaction of owning a pet and taking care of one is hard to beat, and it takes a lot of responsibility to do this well. One of the most responsible things that a pet owner can do, is make sure that their four-legged friends have access to the kind of healthcare and treatments they need.
This is where pet insurance can help make this part of being a pet owner much more attainable. If you have been wondering about what pet insurance is, or how to choose the right pet insurance, here is everything you need to know.
What Exactly is Pet Insurance?
When it comes to owning and taking care of a pet, it can get fairly pricey. Not only do most pets cost a premium to purchase, but the care and maintenance of a pet are just simply not cheap. Even for people who invest in pet rescues, there are still veterinarian bills to consider along with the normal maintenance of food, toys, housing, liter, and all of that good stuff.
Over time, these costs can really build up and it’s completely natural for pet owners to look for areas where they can start to save a little money on their pet maintenance. Pet insurance is actually a powerful way to help save pet owners money in the long run, because it helps to cover a lot of necessary expenses of owning a pet.
Pet insurance, if you have never heard of it, helps to ensure that owners have the funds to take care of their pets in various situations. This form of insurance is not like auto insurance that can cover the cost of a new vehicle, but in a lot of ways mirrors normal human health insurance. The idea behind pet insurance is that you pay a set premium that then covers defined services ranging from catastrophic situations all the way to maintenance and upkeep of your pet.
The good thing about pet insurance is that it can be flexible. That means you can decide what works best for your budget allowing you to only cover what you think is important. One of the most basic levels of pet insurance covers the cost of medical attention due to accidents and damage that your pet can suffer.
Does Your Pet Need Pet Insurance?
To understand how pet insurance can actually help you save money, you have to understand if your pet actually needs pet insurance or not. The truth is, pets, especially the young ones like puppies, are prone to get sick or hurt themselves. This is not something pleasant that any pet owner wants to think about, but it’s just the simple truth.
If you have a new puppy that is learning how to not chew up everything in sight, the chances of a bowl impaction are very real. This kind of accident can cost potentially thousands of dollars in surgical procedures to fix, and it can be the difference between life and death for the pet. There are also non-fatal accidents that can leave your pet hurting, like a fractured paw, or an infection. These all cost money to be taken care of, and pet insurance helps to ensure that your pet never goes without treatment due to financial reasons.
In the long run, most people find that their pet insurance policies, even without catastrophic incidents, typically pay for themselves. This is possible because most plans can offer you preventive care, as well as cover certain annual vet visits and shots. In the case of an illness, or some kind of serious accident, one incident can more than pay for your entire pet insurance policy as vet bills are not cheap.
Get the Coverage That Works for You
When it comes to finding the perfect pet insurance to help protect your furry best friends, remember that you need to get what works for you. Your budget and what you can afford are important. Find a provider that offers flexible plans that can cover the things you care about. If you have a dog or cat with a specialized diet, then getting preventive care might be more financially beneficial in the long run. At the same time, if finances are tight but you can afford accident and illness plans only, then go with these!
The important thing about being a good pet owner is that you do what you can for the pets that you love. These amazing animals give more to you every day than you could ever give to them, and it’s a privilege to take good care of them!