Pets are an essential part of our lives. They offer unconditional love and companionship, making pet parenting a rewarding experience. That being said, they can also be costly to own. This is why many pet owners consider pet insurance.
Pet insurance may seem like a waste of money for some since most people feel their pets are healthy. But, accidents do happen and dealing with your pet’s illness or injury can be emotionally taxing. So, before you decide that you don’t need pet insurance, here are some things to keep in mind so you can make the best decision for your furry family member!
What Pet Insurance Covers
Pet health insurance plans offer different types of coverages. Following are the three common types of pet insurance policies:
Wellness
Pet wellness insurance plans cover vaccinations, routine blood work and tests, and dental work. Most wellness plans usually have no deductibles.
Accident
As the name suggests, accidental plans deal with unintentional injuries, such as pet poisoning, ingestion of a foreign object, cuts, bruises, and other physical injuries. Owners of older pets who are no longer eligible for comprehensive coverage mostly go for accidental plans.
Accident and Illness
This plan is the most comprehensive one you can get for your furry friend. It covers treatment for injuries, disease, illness, and essentially any adverse changes in your pet’s routine health condition.
Many accident and illness plans offer different levels of coverage, such as basic, enhanced, and premium.
The Cost of Pet Insurance
Your pet’s insurance depends on your pet’s age, breed, health profile, and type of plan. Other factors include annual premiums, co-pays, deductibles, and yearly, lifetime, or incident caps.
Most plans cover the basics, but there are some standard requirements and exclusions, such as:
- Pre-insurance exam or records requirement
- Annual care requirement
- Bilateral condition exclusion
- Vaccine-preventable diseases exclusion
- Periodontal disease
Comparing Coverage and Cost
It is important to remember that you will not get any return or benefit if the plan remains unused. But if your pet falls ill or gets involved in an accident, the policy will cover the cost of treatment.
Most programs have customizable coverage options and deductibles that will change the monthly fee. It is up to each pet owner to decide if they would instead save for planned appointments and emergencies or roll it into a set monthly cost. Research pet care costs in Ontario and determine what works best with your budget!
Consult a Vet Clinic
Whether or not you’ve got insurance coverage for your beloved pet, you don’t want your furry friend to go through the pain of an injury or illness. As such, it makes sense to have a vet clinic on your side just in case anything unforeseen happens.
Aurora North Pet Clinic is a veterinary clinic in Aurora with qualified vets and decades of experience in the field. We offer a range of services, including vaccinations, diagnostics, end-of-life services, dental care, and much more. Contact us today for more information!