Being a pet owner is not much different from being a parent to a child. Sure, some animals require less work than others do but overall it is a task where you are to take good care of your pet animal because, as a pet it is not able to take care of itself.
There is so much more to taking good care of a pet and if you do a fantastic job (and has a little luck), you will never need to use the insurance coverage.
Taking care of a pet is obviously not just about giving it toys to play with and beds to sleep in, but even more so about keeping your pet healthy and vital through proper nutrition and daily exercise. All pets are different and what might be perfect for a large dog will not fit a small pet rabbit. As a pet owner, it is your responsibility to educate yourself and make sure that you know all there is to know about your specific pet breed so that you can take proper care of it. Unfortunately, there are many cases where pet medical insurance is needed because of poor caretaking from the owners of pets.
Aside from concrete suggestions for the best pet beds or the healthiest food for your pet cat or dog, you will also find a lot of information to the individual topics from pet owners just like you.
Why Pet Health Insurance is Important
As already mentioned, we find that having the proper pet insurance plan in place is vital for any pet owner. Unless you are one of the few people that have more than enough money, you will find that a pet insurance can not only cover you back if things go wrong, it can also help you sleep better at night. You will know that if your pet becomes ill or is involved in some kind of accident, it will not be a matter of having the money that will determine the level of caretaking you will get for your pet.
Since pet insurance companies are not created equal, you will find that some are less popular than others are. In the three articles mentioned above as well as many of the other articles on this site, you will find that going for a cheap pet insurance might not be the best long term solution.
When something is “cheap” there is normally a reason for it and in terms of insurance coverage it usually means that very little is covered. What you want is to get a “great deal”. Talking to different insurance companies like Trupanion, PetPlan, PetsBets and VIP will give you a better view of what you can expect to get. Some of the companies are willing to give a discount if you commit to longer periods or add more insurance policies with them, but again we would like to stretch that price is not the only thing to look at.
The companies that give quotes for pet health insurance will normally charge extra for better service. Having the option to draw on great customer service representatives might not seem important as long as you don’t need to use the insurance coverage but once you need it, it will be worth so much more than you can imagine.
Some insurance companies are notoriously known for not paying when claims are made and you obviously want to avoid those. The best way to figure out who they are is to listen to their customers. Other pet owners have been in situations where they thought they could rely on pet medical insurance plan when their pet got sick, only to find that the cost for pet meds where not covered for whatever obscure reason.
Pet Care is the First Step
You need to think about the quality of treatment you provide for your pet. On a day to day basis you will need to provide the proper nutritional intake for your pet as well as clean water. But food is not the only ingredient to a healthy, happy and long life for pets. Exercise and training are a vital part too as pets need to move daily. Just like we humans do. With food and exercise you can keep the health care treatments needed on a minimum.
Vaccines and other regular checkups at the VET is still required but the great cost comes from when something is wrong. Not when everything is fine. And that is where the pet health insurance comes in. Insurance is merely a safety net for you and your pet. An economical safety net for you as the pet owner and a health/life safety net for your pet. I pray that you will get insurance but that you will never need it.