Research shows that only 2 percent o 3 percent of pets are insured by pet owners. However, the need for insurance has increased. Veterinary visits are not always routine anymore as your pet is likely to get a CT scan or go through cancer treatment. It is common for families to spend at least $3,000 per day when their pet has been accidentally poisoned or hit by a car. Luckily, finding the right pet insurance plan is easy and makes sure that proper care will be given to your pet in case a health issue or accident arise. The following are some important things that you need to know.
Sign Up Early
The majority of insurance providers cover a pet that is at least six or eight weeks old. Do not delay. As with toddlers, younger animals are prone to accident.
Think About a Wellness Plan
Basic pet insurance includes catastrophic care which refers to injury and serious illness treatment. Other insurance companies provide wellness plans which cover routine vaccinations, heartworm testing and physicals. Veterinarians note such policies make sense as people are more willing to bring in insured pets for treatments. Although these plans do not let you save money since deductibles, premiums and co-pays often cost a bit more than routine care expenses, it buys you peace of mind.
Get a Plan from a Reputable Insurance Provider
Get recommendations from your vet or friends who may have bought a plan from an insurer. Know if the company paid claims promptly. Verify the registration of the company with the insurance agency of your state. Find pets best pet insurance reviews to know your options.
Purchase by Breed
Purebreds are expected to have more health issues than mixed bred. For instance, Saint Bernards tend to have a higher risk of bone cancer. A number of insurance providers will not cover such condition so purebred owners must carefully read policies before they buy. Consider a special rider for the hereditary condition of your breed.
How Much to Pay
Pet health insurance costs vary depending upon the plan, the age of the pet, your location and the breed. Dog owners may have to pay between $10 and $30 per month for a basic insurance plan that covers emergencies or between $20 and $55 every month including routine care. In general, plans for cats can be less than these ranges. Deductibles can range from $100 per year to $50 per illness or incident, depending upon the plan.