It seems like for the past several years, the newest ‘trend’ in pet ownership has been pet insurance. Well, I’m not sure about trend, but it just sounded good!

So, do your pets really need to have pet insurance?

Read the following info and decide for yourself…

What Is Pet Insurance?

While we as humans need health insurance to help cover expensive (very!) medical costs, what about our beloved pets? Do they need the same consideration? Pet insurance helps cut down on the cost of caring for your pet(s), as some services at the vet can cost hundreds, or even thousands, depending on what’s needed. Unfortunately, things do happen…think of your cat accidently swallowing tinsel from the Christmas tree (thankfully I’ve never had this happen!🙀 ) or your dog getting cataracts…how much will you have to pay to have this taken care of? Probably a lot. 

What You Should Know About Pet Insurance

 Before you make your decision, here are a few facts about the concept of pet insurance.

  • All Policies Are Not The Same ~ There are a few reputable companies out there that sell pet insurance. But, all are not the same. Read the fine print. Certain companies don’t cover as much as you would think, depending on your pet’s age and their breed. You could be paying premiums for pet insurance and still paying through the nose, among other things, for services you need because they are not covered by the policy.
  • Compute The Cost ~ Over the lifetime of your pet, you could spend thousands of dollars just for the policy. This may be proactive if you have a breed of pet that is prone to serious illness. But, you could also opt for a healthier breed to own instead. I tend to go for the shelter/rescue cat(s), but I love all cats!
  • Check With Your Vet ~ Before buying a pet insurance policy, find out if your vet accepts that particular insurance. If they don’t, you might have to find a new policy or a new vet and that might not work for you or your pet.
  • Is Your Pet Insurable? ~ Some companies might not insure certain pets. Check to be sure that your pet can even be insured in the first place.

Other Alternatives

 If you’re not in the market for buying insurance, there are other steps you can take to keep your pet from needing expensive care.

  • Buy Discount Meds ~ Instead of purchasing at a vet office, try discount pet med sites for all your pet needs.
  • Save For It ~ Put aside money in a fund to take care of unforeseen pet expenses. Put aside a little each month and only use it for pet needs.
  • Keep Your Pet Healthy ~ Take measures to protect your pet. Buy nutritious food without preservatives. Consider opting for an indoor pet to avoid contact with fleas, mites, potentially dangerous wild animals and other diseases. Also, get regular check-ups at the vet. Regular exercise also keeps pets from gaining weight and/or unhealthy.

I hope this was at least a little bit helpful…let me know what you think! 😻