If you own a puppy, you are deemed responsible for its overall wellbeing, which includes its safety. Pet insurance is one of the best ways to reduce some unexpected bills that stem from taking care of and maintaining your puppy. If you don’t have pet insurance, you will have to cover the cost of tearing your pet personally.
When determining whether you should get pet insurance for your puppy, consider the cost of pet insurance and the potential expenses of visiting your veterinarian. This would help you make the decision on whether you should get insurance for your puppy.
Nevertheless, we still think pet insurance is an ideal option for pet owners who seek peace of mind and less financial burden in the event of their pet having a disease or other health issues.
Why You Should Get Pet Insurance for Your Puppy
There are so many reasons why it is advisable to purchase pet insurance if you own a puppy. One of the major reasons why you should get pet insurance is the rise in pet care.
Since pets are likely to have one health issue or the other, you will be required to visit the vet from time to time. The cost of pet care can be difficult to pay out-of-pocket, hence the necessity for pet insurance.
When exploring a new environment, your puppy can get into accidents that may affect their bones and cause sprained ligaments or body ingestion. Pet insurance offers protection in situations like this, ultimately giving you peace of mind.
In addition, some pet insurance plans offer coverage for preventive services and wellness exams throughout the lifetime of your puppy.
What Does Pet Insurance Cover?
Pet insurance offers a wide range of coverage options for pet owners. One of the advantages of pet insurance is that the insurance plans are based on reimbursement. This means that policyholders can pay ahead of time for their pet bills. Highlighted below are types of illness and accident covered under pet insurance.
- Chronic conditions, such as diabetes.
- Broken bones.
- Prescription medications.
- Dental illness.
- Emergency care.
- Toxic ingestion
- Diagnostic testing.
Please note that if you have an accident-only pet insurance plan, you will only be covered in the event of an accident. This means that your insurance provider will pay for veterinary expenses that are associated with accidents alone.
What Does Pet Insurance Not Cover?
Most pet insurance policies do not include coverage for:
- Pre-existing Conditions: If your pet has an injury or illness prior to the time you purchased pet insurance, it will not cover it. Most pet insurance plans exclude pre-existing conditions from their coverage. However, if you have a medical record that shows that the illness or injury has been treated for at least six months, your policy may cover it.
- Non-Veterinary Expenses: Pet insurance will not cover expenses that are not related to taking care of your pet. Some of them include waste disposal service, license certification, and record access.
- Experimental Treatment: Pet insurance does not cover diagnoses and treatments deemed experimental and other services that do not adhere to the established standard of care set forth by the veterinary medical board in your state.
- Grooming: Generally speaking, grooming treatments like baths, dips, and nail trims are not covered by pet insurance.
- Dietary, nutritional, and food supplements: Regular nutritional costs for pets are not covered by most pet insurance policies. However, some policies usually include prescriptions for food and supplements.
Generally, whether pet insurance is worth it depends on the needs of your pet and your financial situation. Consider pet insurance if your puppy is still young and in good health. If you are not financially capable to cover veterinary expenses, this insurance is the best option for you.
Having pet insurance offers peace of mind, knowing that your puppy will have all the care it needs in the event of an accident or health problems.
FAQs
Does my puppy really need insurance?
The answer to this question depends on the health condition of your puppy and your financial capability. If you can pay out-of-pocket the cost of maintaining your puppy, then you may not necessarily need to purchase pet insurance for your puppy.
But pet insurance helps in reducing the amount you pay when you visit your vet if your pet has a health problem. This ultimately guarantees financial security and peace of mind.
Does pet insurance cover vaccines?
No, a standard pet insurance policy will not cover vaccines for your pet. If you need coverage that includes vaccines, you have to purchase wellness coverage for your existing policy.
Aside from the provision of vaccines, wellness coverage also covers other types of expenses involved in taking care of your pet, such as routine checkups and disease prevention.
How much does pet insurance cost?
From our research on different insurance websites, the cost of pet insurance ranges from $360 for cats and $528 for dogs per annum.
Nevertheless, the price can vary across different pet insurance companies. You can get quotes from different insurers so you can have an idea of the amount to prepare before purchasing pet insurance.
