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Deciding whether or not to purchase pet insurance is one of the first steps in becoming a pet owner. Usually, when you first adopt your pet, they’ll provide you with the information necessary to sign up for a plan and get your pet insured while they’re still young. But does your pet need insurance? How expensive can pet care be?
What is Pet Insurance and What Does it Cover?
Pet insurance is used to cover different types of care that your pet may need throughout its lifetime. Depending on the insurance that you purchase, you can receive coverage for accidents, injuries, diseases, and exams.
However, most often, basic insurance will only cover costs for accidents/injuries and diseases. Coverage for annual exams and shots is usually more.
Is Pet Insurance Worth the Money?
Yes, pet insurance is worth the money. You never know what’s going to happen throughout your pet’s life, whether they’ll need expensive surgery because of a tragic accident or if they’ll develop a disease that requires costly care.
To ensure that you can afford these costs, you should have pet insurance. Pet insurance is perfect for people who make a low income, as the prices aren’t that high, but they’ll save you from having to pay a lot down the road.
What is the Average Cost of Pet Insurance?
Most pet insurance will come in at around $20 per pet per month. Many companies offer discounts for multiple pets and for including other insurance plans, such as wellness plans. You can expect to pay less than $50 per month per pet no matter where you go for your insurance coverage.
Do Vets Recommend Pet Insurance?
Almost all vets recommend pet insurance to their clients because they know precisely how expensive it is to receive pet care. Having pet insurance doesn’t affect the veterinarians, as they’ll still make the same amount of money either way.
You pay the vet whatever the bill costs, and then your pet insurance will reimburse you for whatever costs. You usually won’t receive the total amount, but instead a steep discount. Vets encourage the use of pet insurance, especially when they know that your pet will require further care or multiple surgeries.
How to Choose a Veterinarian
With pet insurance, you can choose whatever veterinarian you want to go to. There aren’t any restrictions, as you’re getting reimbursed for the costs, not using your insurance to pay the vet directly.
That’s another reason to get pet insurance, simply because it is that flexible.
But Do I Need Pet Insurance?
If you’ve read this entire post and you’re still against getting pet insurance, there’s probably no changing your mind. However, it’s a good idea to weigh your options and decide based on your findings.
For example, surgery can cost up to $3000. That’s only one appointment! You could be paying $20 to $30 a month and avoiding that one large payment.
You may think that your pet will never get sick, but they might, especially if they’re pure-bred or older. There’s always a chance that they could get ill and require some expensive procedure. It’s best to be prepared now.
And you can also receive discounts on wellness exams, illness visits, and more, depending on your insurance company. There truly is no reason to skip out on pet insurance. If you can’t afford it, you may want to budget some of your other expenses because if you can’t afford pet insurance, you certainly can’t afford the appointments you’ll need to make when your pet is sick.
