Finding the Right Pet Insurance

When getting a new puppy or kitten, there are many things to keep track of during this exciting time. The health of your new pet is important to you and you plan vaccinations and de-sexing at a clinic. You believe those will be the only medical bills you will have to pay and hope for a long pet life. If you really want to plan ahead for your pet’s health, you should consider getting a pet insurance plan. Not only will some pet insurance help pay for unexpected illnesses, but some will pay for checkups and those preventative measures you were already considering. Pet insurance can save you a lot of money in the long run.

Considerations

Choosing the right pet insurance is not as difficult as buying your own health insurance. While pet insurance terminology can still be confusing, there are fewer decisions to make. Unlike hospitals, most veterinarians will take pet insurance from any company. While location does matter as to what regulations each insurance company keeps, you don’t have to worry as much when traveling. If you let your veterinarian know you have pet insurance, they will lead you to your pet’s best medical options, rather than trying to stay economical.

When deciding which company to acquire pet insurance from, reviews and ratings will give you a good idea of how good their service is before looking at their plans. Pet insurance reviews in Australia will not only help you to understand that company’s quality, but they will also give you a better idea about which plans are better in the Australia area. Different locations have different policies and the experience of others will help you to find the information that is most relevant.

A Variety of Coverage

Not every pet insurance covers the same costs. Smaller plans with payments as low as $10 a month will generally only cover preventative services and annual exams. The medium cost plans will cover basic care and certain surgeries and hospitalisation care. The highest levels of coverage with payments up to $100 a month plan for emergency care, nonroutine exams, and medication bills. It will depend on what you can afford and how high of a risk your pet is. Different breeds and species are more likely to need more care than others. Purebred dogs are the most high risk and may require a lot of care.

In general, it is good policy to avoid plans that have breed restrictions and fee schedules. A fee schedule is a list created by the insurance company that pre-plans how much they think each treatment will cost and how much they will pay. Most of the time their estimates are grossly underestimated, which leaves you still paying a hefty medical bill. Finding a plan that only helps with major medical bills is a good insurance plan with smaller monthly payments. You will still have to pay for the smaller medical bills and pay deductibles, but overall, this is good coverage for emergencies. Plans that cover a strict percentage of your pet’s medical bills are also very helpful.

In summary, it is good to do your own research about local options and always take a look at reviews. When a pet is like family, desire to help is never in question, but the more money you put into a plan, the more safety you will have. Determine what you can afford and measure that against what ailments your pet is likely to acquire and your pet will live a long and healthy life.