Pet insurance can help pay for the veterinary care needed for accidents and serious illnesses. Some plans may also cover all or part of the cost of routine checkups.
The cost of veterinary service continues to rise. Routine health check for dogs and cats are around $200. Treatment for a minor illness can run up to $500 or more. Injuries, requiring surgery, may cost many thousands. Cancer treatment can cost tens of thousands.
It is a horrible choice to have to make a decision between your beloved pet’s life and being able to afford the cost of the treatment. The peace of mind achieved by having pet insurance to cover some of these expenses is worth it for most people who love their pets.
Here are some considerations when thinking about pet insurance:
Insure Pets When Young
No pet insurance company will cover any previous conditions. If you wait until your pet is ill and then try to get pet insurance, you will not be able to get coverage. Also, the monthly cost when your pet is young is usually very modest.
Not All Pet Insurance is the Same
Pet insurance comes in many varieties. Some plans are designed only to cover catastrophic expenses and do not cover routine checkups. They may have a high deductible as well. Other plans have higher insurance premiums, yet provide more care. Work with your agent at Oliver Insurance, serving Canby OR and the surrounding area, to discuss the details of the different plans and find a plan that is most suitable for your needs.
Ask Your Vet
Ask your veterinary doctor about any known weaknesses in your pet’s breed to help make a guess about the likelihood of your pet needing expensive care.
Review the Policy Carefully
Go over the policy details carefully with your agent and look for language about exclusions that describes what is not covered.
Conclusion
Many find having pet insurance is very useful because of the high cost of veterinary care. Having this protection provides comfort when your beloved pet is ill. This may help reduce the financial strain of paying for the proper care it needs. Contact your agent at Oliver Insurance in Canby, OR to get a quote on pet insurance by calling 503-266-2715.
