Comparing and Choosing Pet Insurance

One of the most exciting times in our lives is introducing a new puppy into the home. We do our research, find the best breeder with that perfectly adorable puppy, shop for the best foods, the best beds, the best toys, and the best blankets for our new addition. However, many pet owners overlook a very important part of owning a pet, and that is the need for veterinarian care – including routine checkups and emergency care. As pet owners it is our responsibility to purchase pet insurance for our new family members right away.

The Importance of Pet Insurance

When we bring a new furry family member into the home, there are expenses we do expect. Food, vaccines, toys, potty training supplies, obedience training, and treats. Pet insurance is critical for the things we do not expect. Allergies, intestinal obstructions, contagious diseases, accidents and wounds, or even hereditary illnesses. While a routine trip to the vet may be an affordable expense, emergency critical care can reach into the thousands of dollars, something a family may not be prepared for at all. Additionally, time is also a factor in emergency care. If funds for a critical procedure or treatment are not available, there may not be time to borrow or raise funds. Vaccinated pets are also at risk for still contracting life threatening/fatal diseases. The failure rate for the Parvovirus vaccine in puppies is 20%, and 11% for adult dogs. Distemper, another potentially fatal disease, has an overall failure rate of 28% in vaccinated dogs. Treatment for either of these diseases can be close to $4,000 without pet insurance. Most pet insurance policies (depending on the plan coverage you choose) will cover from 50% to 100% of these expenses.

How Do I Choose a Pet Insurance Policy?

Here are a few things to consider when choosing and comparing pet insurance: Breed, gender, age, whether intact or sterilized, and overall health of your pet. Some breeds are more susceptible to specific illnesses and also have an increased failure rate for some vaccines.The age of your pet may have an increased risk of conditions such as diabetes or hypoglycemia. Gender and whether or not your pet is sterilized may show a higher or lower risk for some cancers. Choose a plan that weighs in all the needs and risks of your pet as well as your family’s budget. Also remember, a monthly payment is so much easier to manage than a huge emergency vet expense.

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