Pet
insurance was a niche market for a long time, but now more traditional carriers
are offering this type of coverage. Like
any other policy, pet insurance gives you some extra peace of mind for your
pet, especially if it is a mischievous breed prone to destruction (many
larger dog breeds are known for chewing or swallowing an unbelievable assortment of
items that must be surgically removed!), or known to have certain health problems.
Be advised
that many insurance carriers do not cover a pet with a preexisting condition. Many
animal care professionals recommend purchasing insurance as early as possible
(ideally when your pet is a puppy or kitten) so any conditions they develop
later in life are covered. If your pet
grows into a healthy adult, you can always choose to drop the coverage. If your
pet’s background is questionable (for instance, if it was left at a shelter and
you later adopted it), insurance is a good idea, just in case they develop problems
later.
Plans vary
from one carrier to another. Some policies cover accidents only; others cover illnesses
only; some offer complete (accident, illness, and wellness). Other options include preventive care, chronic
conditions (such as allergies), and even alternative therapies. It depends on
your pet’s needs, the cost, and the amount of reimbursement you will receive.
If you’re considering buying a plan for your pet, ask for referrals from
friends, family, colleagues, and of course your veterinarian. It’s important to
do your research so you make the best decision for your 4-legged friend.
Have you ever bought a pet insurance policy? What was your experience? We’d love to hear from you in the comments below!
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