Pet Insurance: Should I Get It?
Whether or not you get pet insurance is up to you. You should, however, make sure you are clear about what it is and the risk you face if you do not have it. Consider what’s right for you and for your pet before deciding whether to take out a pet insurance policy.
What’s Right for Your Pet
Dogs and cats are at risk of being involved in an accident because of how mischievous and curious they are. Just like humans, your pet could be at the wrong place at the wrong time and end up hurt, injured, or unwell. And that pet will be looking to you to help make him better.
Also, some breeds are more susceptible to certain medical conditions than others. Whatever breed you have, you just can’t predict whether they will become unwell or what life will throw at them. That’s why it’s essential that you are able to pay for medical care should your pet need it.
What’s Right for You
If you do not take out adequate insurance, you could be faced with a hefty bill in the unfortunate event that your pet becomes ill or is involved in an accident. However,
many people are looking to save money and they decide against paying the monthly premium in favour of other options. Some people decide to save their dollars in a savings or emergency fund, thinking that they can dip into the money if it’s needed for vet’s bills.
Saving like this takes careful planning, budgeting, and self-discipline. In addition, there will always be a risk that your savings are not enough to cover the cost of the bills you need to pay. This could leave you in a very difficult position if your pet needs long-term treatment or medication.
Insurance for Dogs and Cats
The alternative is to take out pet insurance so you can claim some, or all, of your costs back. If you do decide to take out pet insurance, find out how much of the vet bills will be covered if you need to make a claim on your policy. You might want to look for an insurance company that can offer you some or all, of the following:
- A policy with zero excess to pay if you need to make a claim.
- Optional cover for vaccinations, desexing, and routine care.
- The ability to obtain a quote and submit a claim online.
- Fast payment of approved claims.
- Insurance for puppies.
- Fixed premiums for puppies for their first three years.
Some insurance companies offer affordable policies for cats that are kept indoors since they are less likely to be in an accident. But they could still get sick.
Tips for Finding Pet Insurance
When shopping around for pet insurance, look for special offers. Some companies will offer a good deal in order to attract your business. Pettrotters has partnered with petinsurance.com.au to offer pet owners a great promotion. Currently, customers can get 10% off premiums for the first 12 months of their insurance plan.
Keeping your pet fit and healthy is your responsibility. If you are concerned that vet bills could be expensive, looking around for pet insurance and paying a monthly premium is much more manageable than a huge bill. Securing adequate pet insurance gives you peace of mind that you will be able to pay for your pet’s treatment should you need it.