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We love our pets. Dogs, cats, birds, whatever it may be - anyone that has owned a pet can tell you that they are certainly "a member" of the family. God forbid anything were to happen to them, but it is any pet owner's responsibility to make sure that they are taken care of. Besides the googly talk and cuddles, we are talking about pet insurance. Having this kind of insurance is important for many reasons.
Animals are Expensive
Owning a pet can bring you so much joy, but they can also empty out your wallet. Beyond the pet toys and regular shots - there will come a time when they aren't feeling well. Since most pet owners are not licensed veternarians, they are never sure if they swallowed something, ate something, or just caught a short bug. Either way, its important to take some precaution and have it checked out. It could be big, or it could be minor. One FatWallet dog story shared this morning involved when their beloved pooch wasn't feeling well, and the Vet asked if she ate any toys or small objects. Just to make sure, an X-Ray was performed on the dog. It turned out that she just had a little gas! However, the pet owners were slapped with a big stinking X-ray bill. It's time like that when insurance could have covered it.
Hereditary or Congenital Coverage
A hereditary, genetic or congenital condition is an illness, defect, disorder or disease that is present from birth in your pet or to which your pet is predisposed through hereditary or genetic factors. On the ASPCA Pet Health Insurance Page it lists out many different levels of coverage including this condition. This is extremely important to have if you have a high risk pet. I had a bernese mountain dog growing up, and we had him covered. Our reasoning was because those dogs are known as the most cancer prone dogs. All those vet visits, surgeries, etc - will all be covered and the pet owner can breathe a sigh of relief.
Having a policy on your pooch allows you to budget how much you want to spend on your animal. Pet insurance policies can be paid monthly, quarterly, semi-annually or annually. You decide which payment plan works best for you. According to the ASPCA, their monthly plans can range from $10 to $35 dollars a month. That's certainly not that much considering that some emergency visits can cost up to $5,000 out of pocket. Plus, most plans offer discounts for additional pets in the household. You can throw Mittens, Fido, and Tweetie Bird all on one policy
Freedom of Choice
Most insurance policies allow you to pick your veterinarian. Unlike human health insurance policies that may require you to use a specific health care provider, pet insurance policies allow you to seek out care from the veterinarian to who you feel most comfortable with.
You make think having pet insurance is an extra burden or hassle, but its all worth it in the long run!
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