Pets are our family and the majority of us treat them as such, checking food labels for healthy choices, finding just the right bed for tired joints and spoiling them with treats and toys. Yet, according to the latest American Pet Products Association’s Pet Owners Survey, only 4% of dog owners and 1% of cat owners carry pet insurance policies.
Here are these reasons why buying pet insurance is a smart move:
It allows you to pick your veterinarian. Unlike human health insurance policies that usually require you to use a specific health care provider, pet insurance policies allow you to pick the Vet you are happy with. You simply provide the veterinary bill to the insurance company for reimbursement of qualified expenses.
It does not discriminate against any breed or age of pet. While it is advisable to obtain pet insurance as soon as you adopt or purchase your pet to obtain lower premiums, you can also obtain coverage for your pet later, though for some companies there may be restrictions on pre-existing conditions.
Having pet insurance allows you to choose treatment options. Not having strict financial restrictions allows you to select care for your ailing or injured pet based on the best medical options available. Most pet insurance policies reimburse up to 80% of costs after deductibles.
With Abby being a senior we looked at it as a good investment.
But which company to pick? We went with the one recommended by the Lab Rescue folks that micro chipped her but since we've not had to use it yet except for her first teeth cleaning after we adopted her, I can't really review it.
But the folks at Reviews.com HAVE reviewed a number of pet insurance providers for coverages, restrictions, and customer service (after discussing with Vets and health care providers as to what is essential versus "nice to have") and have some information that's worth reading. Just click on the link below.