Caring for a sick pet can be an expensive affair – many people get surprised at veterinary care bills. Many pets suffer when their owners are not financially able to care for them. Pet insurance is a good way to defray costs on the off-chance that a pet dog or cat has an accident or requires urgent medical attention. Pet insurance will cover problems like ear and skin infections, gastritis, urinary tract infections, skin tumors, osteoarthritis, hypo-thyroidism in both cats and dogs.
Even though pet insurance falls under the heading of property and casualty insurance, as far as a pet owner is concerned, it works just like medical insurance. Basic policies cover medicines, diagnostic tests and x-rays, hospitalization, surgeries and even euthanasia. Policies also cover preventive care like annual checkups and vaccinations. The process of filing an insurance claim is fairly straightforward and offers pet owners a chance to spend time caring for their pets.
If a pet is in need of emergency care or ongoing medical treatment, talk to your insurance company first to see if a claim can be filed. Insurance policies may vary in their scope but most of them will pay even if you take your pet on vacation. Some policies pay for alternative therapies like acupuncture.
It is a pet owner’s responsibility to read the policy and fine print carefully before buying insurance coverage. It makes a lot more sense to get insurance when people have more than one pet – whether it is a dog or a cat. In case you don’t know where to start shopping for pet insurance, ask your vet for recommendations.