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Pet insurance is available for your dogs, cats, and other pets. It works similarly to human insurance. There are several companies providing coverage; check on the Internet or with your veterinarian for a brochure so you contact one of the providers. With human insurance companies pre-existing companies are generally not covered under new policies, the same is also true for pet insurance. You cannot forget that once your pet is sick or injured it is too late to be applying for insurance.
Before you buy or adopt a kitten or puppy or even an adult pet, please do your insurance homework. Many companies for pets have policies that will cover routine vaccines, spay/neutering, preventive medicine, plus illnesses. Policies are also available to cover only major medical events for such conditions as cancer, emergencies, fractures, hospitalization, and other potentially life threatening and expensive procedures. There are very reasonable monthly prices; wouldn’t it be worth $30-$60 a month if it covered vaccinations, heartworm prevention plus a $950 orthopedic surgery or a $3000 chemotherapy treatment?
People rationalize not needing health insurance because “it won’t happen to them”. Unfortunately, the same rational is applied to most pets; however, just as with humans, unforeseen accidents and illnesses occur. Thousands of pets would be saved from euthanasia each year if they were covered; finances would not determine the extent of medical service to be provided. Filing pet insurance is relatively easy and done by the owner. You pay the veterinarian, get a signed copy of your pet’s diagnosis and treatment and submit this with the invoice to your chosen insurance carrier. You are responsible for the co-pay and unapproved procedures; the insurance carrier reimburses the remainder to you.
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