Pet Insurance is something all devoted pet parents ought to consider
Like most insurance, there are dozens of companies that can provide you with quotes and plans. As with your own insurance, you will need to decide which company is best for you and your pet’s needs.
Because not all veterinarians are participating members of any one insurance company, you should always check with your vet first to see which plans they accept.
Insurance coverage will vary based on each company. Coverage levels can include accidents only or long-term illnesses and could range from 70% payments to as high as 100% cost coverage. Some companies list the basic costs associated with common problems. The monthly premium could be as low as $10 per month for accident only coverage, to $35-$85 for specific breeds long term illness coverage. Obviously some breeds are more prone to particular illnesses then other breeds and this should be taken this into consideration when looking for pet insurance.
The bottom line is that you need to take a lot of variables into consideration. Not only do you need to check out insurance companies, but you need to know the potential risks for your dog, as well as how they behave. Some animals are more prone to accidents just because of their energy levels and personalities. Remember, accidents can happen indoors as frequently as outdoors.
Decide if you can afford to spend a small amount each month, or if you could afford to come up with a quick $3000 if you need to. Check with your vet about pet insurance companies they recommend or use personally. Ask them for their honest opinions, not a sales pitch. By taking the time and steps needed to learn and make an informed decision about pet insurance you could literally save your pet’s life.