Most people carry health insurance on their families. However, very little people carry pet health insurance. Pet health insurance works similar to a human?s health insurance. The pet owners pay a monthly premium and if the pet has a medical concern, the insurance is then billed. The pet owner will be responsible for a small copay, which is often much cheaper than the full cost of the visit. Pet health insurance can be beneficial for a variety of conditions.
Routine vaccinations Just as humans require yearly vaccinations against diseases, so do pets. The type of vaccination that is given to your pet will depend on what type of pet they are. Cats require different yearly vaccinations than dogs do. Some vaccinations may be multi year, but it is likely that they will need some vaccinations every year. The pet health insurance can help to reduce the annual costs of these vaccinations.
Routine spaying and neutering The majority of vets recommend that all pets be spayed or neutered. This is done to prevent overpopulation and for health reasons. Approximately 37 to 47% of all households in the United States have a dog. Cats tend to be more overpopulated than dogs are. Only about 84% of U.S. cats are spayed and neutered. Cat health can also be improved with routine spaying and neutering. Insurance can help cover the costs of spaying and neutering services, sometimes even making it free.
Pet allergies and genetic conditions You may find that your pet has some genetic conditions, such as allergies. Allergies are actually quite common among pets. It can be very expensive to come to a diagnosis of something like this. You may be required to visit multiple vets until you find out what is causing the symptoms your pet is having. In fact, the U.S. spends $13.59 billion on vet care each year. Health insurance for your pet can help to reduce these costs.
Medications for your pet Many pets require the usage of medications at some point. The medications may be routine prevention, such as heartworm prevention or flea prevention medications. They may also be used to reduce symptoms of a temporary medical condition. Your pet may also require medications for a life long medical condition, such as allergies or anxiety conditions. Insurance for pets can help to offset the high costs of these pet medications.
Accidents and injuries Accidents and injuries do occur. When medical care is needed for these injuries, it can get costly. Pet health insurance can be extremely beneficial when an unexpected cost such as an accident occurs. The health insurance costs can help with pet boarding costs in the vet and with any costs of surgery. It is also likely that the pet will require additional checkups to ensure that everything is healing properly. A lot of the animal care following the accident can be covered by pet insurance.
Pet pregnancy costs Sometimes pets get pregnant. Although they should always be spayed or neutered as soon as possible, accidents do happen. When your pet is pregnant, they will require regular medical checkups. They may also require additional care after giving birth. Some pet insurance policies cover pregnancies in pets and additional health care for animals. The specifics will depend on the actual pet insurance company.
Pets are a huge responsibility. They require routine vaccinations, medications, food, water, training, and medical care when needed. These things can get expensive. Consider enrolling your pet in a pet insurance plan for added protection. The pet insurance can help you to cover the costs of their needed vaccinations and any injuries that they might sustain. Depending on the insurance company, other medical expenses may also be covered.