Pet Insurance - Do you? or Don't you?

Pet insurance isn’t always the first thing on people’s minds, despite their devotion and attachment to their ‘extended family’.  Dog insurance, for example, may not seem to be an absolute necessity during their early years and so many people decide to take the risk and pay as and when necessary. Even for the healthiest looking animals that do not appear to need pet care, this could be a false economy. Pet life insurance is usually calculated on an animal’s age and pedigree (some are more prone to disease than others) and a small set payment per month could save a lot more in case of an emergency or unexpected illness. Animal health insurance is still regarded as good value for money if recent surveys are anything to go by. Of course, animal coverage can vary and it does pay to shop around, but most policies not only give people peace of mind but also save in the long run.

The most popular pet is the household dog, but policies are available for almost every species of animal you can think of. If you are thinking of taking your pet abroad, a proper medical history could prove essential to prove it has had the correct immunizations and other protocol required by immigration laws.

What is less known by many people is that you can take out different levels of policy which can reduce that monthly bill and yet still cover the more risky areas. Certain breeds are susceptible specific abnormalities later in life, and preventive care at the right time can greatly reduce or offset risk and save what could be extremely high remedial treatment when it has become too late.

If you are confused about choosing which company and policy for pet care, there are some helpful tips. Customer referrals are usually a very reliable way of finding out what are the best options. These are usually candid and honest, provided they are not fixed responses as part of the insurance company’s marketing campaign, and give you a very good insight into what to expect. There are also some very good pet care magazines that give you a complete and comprehensive breakdown on what to look for and what are your best options. Pet insurance does not have to cost the earth and if it is selected correctly can save you money and assurance that your pet is in the best of hands, come what may.  

The choice is obviously down to the individual and the care and feeling for their pet. Most people see animals as very close friends and the cost of insurance compared to humans is still very good value for money. If some untoward accident happened, there is no saying what those bills would come to, especially if the animal has to be hospitalized for any length of time. The choice is always there and in the end it is down to the individual who can either pay up front, or maybe end up paying through the nose later.

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