The Truth About Pet Insurance

There are many things that we can hear about pet insurance, there are those who would say pet insurance is affordable while others would say it is expensive. Many people are telling us how important it is to get a pet insurance to protect and provide the best for our animal companions. But are the things we are hearing really the truth? Let's hear some facts about pet insurance.

Fact 1: Pet insurance are not the same with insurance for people.

The pet owners are not forced to choose a veterinarian from the insurance company's list. Thus, it is completely different with an HMO that has listed doctors were patients could go to so that they would be covered by the policy.

Fact 2: Pet insurance is not expensive.

Some people are saying that pet insurance is more expensive than what we get for ourselves and that is totally not true. Pet insurances would range from $15 to $28, depending on what kind of animal and breed you have and also depending on what kind of plan you are interested in. This is far from what we would spend for emergency situations like an unexpected illness or accident.

There are also pet insurance companies who are making insurance coverage more affordable by offering discounts if you would enrolling multiple pets. Some would give about 5% discount for two or three pets. For multiple pet coverage, they would also include a payment plan making it easy for the pet owner.

Fact 3. Age Matters

Some says that it would be better to wait until your pet is older before you would get an insurance for them. It is always better to look and get an insurance for them while they are still young, especially before any pre-existing conditions due to an accident or illness occurs.

Others would claim that older pets are NO longer qualified for a pet insurance. That depends on the insurance company. There are companies who would not entertain pets that have pre-existing conditions or who are relatively older. To get the correct information if a particular insurer would have any age requirements, it would be better to ask them directly.

Fact 4. Dogs and cats are not the only one who can have insurance.

Contrary to what most people know, dogs and cats are not the only animals that could have pet insurance. Birds and exotic animals could also get insured. Exotic pet insurance could cover vet costs, pet theft, pet quarantine costs, accident, treatment and passport cost. The extent of the coverage would of course, depend on the plan that you would be getting

Fact 4. A pet fund is not as stable as a pet insurance.

Most of us think that allotting money for an emergency pet fund is just the same as paying pet insurance. The intention may be the same, it is both for the welfare of our animal companions, but the problem with the emergency fund is that we are not that obligated to save for it. There is no pressure, we could just put saving for the pet fund aside for the next payday.

Fact 5. A house pet is not that safe from any illness, so there is no need for an insurance.

Not really. There are many contributing factors or reasons why our pets are getting sick. It could be that we forget about their immunizations, we are feeding them a diet that has too many chemicals in it which can eventually lead to cancer, diabetes and allergies.

Even if your pet just stays at home and you made sure that your home is pet-friendly, it does not mean your pets would be safe from any kinds of accidents and illnesses which still makes a pet insurance essential in watching over your pet's welfare.