Tired Of Expensive Vet Bills? Pet Insurance Helps You Pay Less!

One of our best friend’s is often just a tail wag or purr away. They bring us back from the brink of tears and join in when we are feeling cheery. As pet parents, we would like to provide our fluffy friends with the best possible care.

However, things can happen. When faced with unforeseen situations or a devastating diagnosis, pet parents have to decide on courses of action and treatment based on the associated price tags, including medical tests, procedures, and surgeries, which can often cost several hundred or even thousands of dollars.

Why do you need pet insurance?

The majority of pet owners either just haven't gotten around to taking out cover or have decided not to bother. As to whether you should have your pet insured... well, that's horses for courses. Many people would like to take their chances, while others will feel it is worth paying just for the peace of mind.

If you have been on the fence, wondering whether or not pet insurance is worth it, here are a few things to consider.

1. Accidents happen

Accidents happen no matter how well you take care of your pet. There is always the possibility that your dog has an accident that leads to large veterinary bills. A pet accident can cost you thousands, but having a good emergency pet insurance plan will ensure that you are able to recoup up to 80% of the cost.

2. Some breeds have health conditions

Some breeds have health conditions that will develop as they are aging. For example, Pomeranians are prone to hypoglycemia. Not all pet insurance companies cover breed-specific health conditions, some will do.

Purebred dogs are more likely at risk for developing health conditions than mixed breeds. Do some research and find out what conditions your breed is susceptible to and research the cost to treat the condition. Chances are you will find that carrying pet insurance will hugely increase your ability to care for your pet.

3. A chronic illness can become expensive

Don't worry that you can't get coverage for your older dog because he had a pre-existing condition.

There are a wide variety of pet insurance companies that will insure pets that have pre-existing health conditions. Do some research and find a pet insurance company that offers coverage to meet your pet's needs.

4. Basic pet care costs increase as your pet ages

Caring for your pet can become much more costly as he ages. Chances are that you'll visit the vet more times and there may be more unexpected expenses. Get insured for your pet when he is an adult, but before he becomes a senior.

Many pet insurance companies will not increase the monthly premium as your pet ages, which can save you a substantial amount of money.

5. Indirect benefits of pet insurance

Aside from the benefits pet insurance brings you and your pet, it also has some other indirect benefits.

If you have pet insurance, it can lower the cost of your homeowner's insurance, even if they are through different companies.

If you get pet insurance through an existing insurance policy that covers your family, your home, you may be able to get a discount for multiple policies.

How much does pet insurance cost you?

According to a study by CBC News, the average cost of pet insurance is 58% cheaper than a daily visit to a coffee shop. It is even cheaper than the annual cost for grooming, food and veterinary care.

The price could be as low as $12 per month or as high as $70 per month basically depending on some factors such as where you live, your pet

Below is a sample of dog insurance prices for the 10 most popular dog breeds and cat breeds in the US so as to give you the idea of how much a pet insurance plan may cost you.

10 most popular dog breeds

10 most popular cat breeds

Is pet insurance really worth it? A real reimbursement story tells.

There is all information of the website about pet insurance, but when it comes right down to it, do you really need pet insurance? If you are new to pets, here is a real story.

It isn't about which company provides the best customer service; it is about the success that everyday dog parents have had with the pet insurance providers.

Real story from real people. Now that's worth its weight in gold.

Baxter: 7 year-old Collie mix
Conditions: Cancer
Healthy Paws Pet Insurance protected since 2013
Policy Plan: Annual deductible $100; Reimbursement level options of 90%
Veterinary bills for this treatment: $21,559
Reimbursement: $18,100

A real victory for Baxter and his parents thanks to the financial assistance of the pet insurance company. But the parents did some research to find an appropriate way to save Baxter's life.