We do dozens of things to make our pets more comfortable and happy. We feed them nutritious food, keep them indoors when it gets too cold, and take them to the vet whenever they’re sick. However, there is one area that some pet owners forget to consider, and that is the option of purchasing insurance for these precious animals. Insurance provides an easy way to pay for items that can cost a lot of money if purchased without insurance, such as veterinarian visits and injuries to our pets.
What Does Insurance Cover?
Insurance for pets covers many items we know we will need as our pets get older. It usually comes in a variety of packages that include services such as:
- Accidental injury
- Routine care
- Consultation with the vet
- Prescription drugs
Plans usually pay either 80% or 100% of the service. They usually cover things like skin conditions such as allergies, eye and ear conditions, gastrointestinal problems, infectious diseases, after-hours emergency visits, radiology, specialist care, heredity and congenital conditions, and emergency boarding fees, as well as discounts when you enrol additional animals. Most insurance companies offer two or more different packages, so all of these services may not be included in all their packages. It is best to check beforehand which items are covered, so that you know exactly what you are getting before you purchase the insurance.
In addition to the above items, many insurance plans will also cover the care of your pet – including veterinarian visits – if you travel abroad with them. Pet insurance is an option that is highly recommended by most veterinarians. It reduces the cost of the animal’s care and gives you peace of mind when you own a pet.
Are There Terms and Conditions?
As with most insurance plans, those for pets have some, though not many, restrictions. Pets can usually only be insured after the age of eight weeks. As long as you’ve purchased a plan before the pet’s ninth birthday, the insurance will cover it until old age. For illness claims, there is a 30-day waiting period, and certain conditions are not covered, such as pregnancy, elective surgery, behavioural problems, and any pre-existing conditions the animal may have. Again, it is best to research the insurance plan fully to make sure you understand all of its limitations.
Where to Find Insurance for Pets
Insurance companies usually have websites that include extensive details on all of their plans, along with prices, any exclusions they may have, payment methods, claim information, testimonials from other clients, and a newsletter with helpful tips to better take care of your pets. Many of these sites also have items you can download directly from the site, including claim forms, policy booklets, and cruciate ligament exam forms. They also have a way to enrol in any of their plans online, so you can receive immediate coverage. Regardless of the current health status of your pets, purchasing insurance for them is a prudent idea.