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Considering Pet Insurance for Your Animal Companion

You’re quite used to paying to insure your home, car, and valuables—did you know that pets are also insurable? Pet insurance plans can prove essential in the event of an emergency, and they also work for some pet owners on a more everyday basis. Learn more about pet insurance in this article from a London, ON vet.

How Does Pet Insurance Work?

Pet insurance works just like the other types of insurance you’re used to dealing with. You’ll pay a recurring fee (often monthly, but possibly on a yearly or twice-a-year basis) and have a set deductible to reach before the company starts paying. In the event of an emergency, injury, or unexpected illness, you’ll be able to file a claim with the insurance company to be reimbursed for veterinary costs.

Why Bother Insuring My Pet?

Like other insurance types, the ultimate benefit of pet insurance is that you won’t be blindsided by expensive bills should an unexpected health issue arise. With the costs of veterinary equipment and other expenditures rising every day, veterinary bills are forced to increase as a result—it may be prudent for you and your family to have help in such a situation. Additionally, pet insurance may be especially appropriate for senior pets, breeds with pre-existing health conditions, and young pets who are more prone to accidents and injuries.

What Are Plans Like?

There is a wide variety of pet insurance plans out there. Some are “accident-only” plans, which only cover expenses incurred after an accidental injury. Others may cover illness, disease, and behaviour issues; still other plans might extend to alternative medicines like Eastern therapies and acupuncture.

Different pet insurance providers may have different limits, stipulations, waiting periods, etc. It’s important to do your research to find out what plan works best for you and your pet!

What If I Have Multiple Pets?

Wondering if you’re able to insure multiple pets in your household? You’re in luck. Most providers offer plans that cover more than one pet at a time, or offer discounted rates for enrolling two or more animals.

Am I Able to Keep Seeing My Current Veterinarian?

Yes, most pet insurance plans should allow you to use your current veterinarian that you’re comfortable with. If they don’t, consider it a red flag and choose another provider!

Want to know more about pet insurance? Call your London, ON animal hospital for help.

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