These days, responsible pet owners are discovering the benefits of pet health insurance. Unfortunately, most people do not realize it is an option until they require a pet insurance plan. Today, we are looking at why you need to contact an insurance company to see their pet insurance policies and choose from coverage options before it becomes a problem.
Pet Health Insurance: Do I Really Need It?
Anything can happen in the future. Just because your pet is young and healthy now doesn’t mean that they will stay that way forever. Similar to how you wouldn’t buy a home without purchasing house insurance, part of having fur babies is making sure you have plans in place to look after them.
Having pet health insurance gives you peace of mind knowing that no matter how many socks your puppy devours or how many times your cat falls during a climbing adventure, your pet’s health will never become a financial burden.
Benefits of Purchasing Health Insurance for Your Pets
Pet Parents Can Prepare for Emergency Care
Many pet owners do not realize that insurance providers for pets exist, while others believe that having a young pet is the same as having a healthy one. But, accidents can happen or congenital conditions can flare up, and healthcare costs are relatively high.
Pet parents need to consider pet insurance for dogs and cats to offset the potential vet bills that come as a result of emergency medical care. Between exam fees and the pricing for your emergency pet needs, not having some insurance for your furry family members can leave you in a bind.
Pet insurance companies offer plans and add-ons for different forms of emergency care, leaving you with a reasonable annual deductible and a reimbursement plan in place.
Determining the best pet health insurance for your pets' needs is largely dependent on their propensity for developing chronic conditions, but you should know that many insurance plans do not offer coverage for severe pre-existing conditions. That being said, you can get help from insurers for conditions such as hip dysplasia.
All in all, having insurance for major emergencies such as broken bones is something that every pet parent should look into before they need it.
Regular and Preventive Veterinary Care Plans Exist Too
Not all types of pet health insurance are limited to providing emergency medical care. In fact, it's a good idea for you to contact an insurance agency to obtain a pet wellness plan that focuses on preventive care.
When you sign up for cat insurance, dog insurance, or any other pet products, you can often find a routine care wellness plan. This plan requires a monthly premium, but it can cover some of the most basic costs that are associated with the majority of pets. For example, policy terms often have provisions for neutering, checkups, vaccinations, and several other common pet treatments. That way, you do not have to cover all the expenses that come within the first few years of getting a new pet.
Remember, the ASPCA has outlined all sorts of basic preventive veterinary care that pets should obtain after pet parents get their new family member. Getting a plan in place soon after can save you a lot of costs down the road as you evaluate your new friend in terms of their short-term needs and long-term health.
Provides an Easy Way to Budget Pet Care Costs
As all pet parents know, owning a pet can be expensive. There are multiple routine costs that you experience, including food and treats costs which can range up to $650 per year depending on dog breed. Also, the average cost for a routine veterinary check-up can cost anywhere up to $250 and that is if your pet is healthy.
One of the many benefits of purchasing pet health insurance is that these policies can be paid on a monthly, semi-annually, or annual basis. Choosing your own payment plan gives you more control over your budget for pet care costs. That means you can easily factor in the cost of their food, toys, vet visits, and much more without worrying about dipping into your savings account to cover any surprise veterinary expenses.
Provides Freedom of Choice When Picking a Vet
Unlike some health insurance policies for humans, pet health coverage gives you the freedom to choose which vet you would like to treat your furry family member. This could be a great option for those pet parents planning on moving to another city or state in the near future. Or, it can even give you peace of mind to know that you can try out different veterinary clinics until you find someone that your pet adores.
Now that you know the outright benefits of obtaining pet insurance, you should seek to get the peace of mind that comes with enrollment. Work with your licensed veterinarian to determine your pet's needs based on their medical history, and you can easily find the product and reimbursement percentage that is right for you.
Cover Your Pet’s Health With Wagmo Pet Insurance
Looking to find the best health insurance plan for your furry family member? Take the Wagmo coverage quiz today. Our pet insurance and pet wellness plans are made to be customizable so that you can find the perfect insurance plan that suits you, your pets, and your budget.