Should You Buy Pet Insurance?
If you are the sort of person that would do anything to save your pet then pet insurance is essential for you
. Not having pet insurance means that if your pet gets sick and needs tens of thousands of pounds spent to save it, you will spend it even if you can not afford it. Some people can take the decision to put an animal down in this type of situation, but not many. If you have pet insurance you will never be faced with this difficult decision.If you are not the type of person who can save money for a rainy day then you need pet insurance. Some people can put the money that they would be spending on pet insurance into a bank account and have it there to use if their pet gets sick, but most do not have the discipline to do so. If you commit to a pet insurance plan there is no temptation to spend the money your pet will need in the future on other things.
If you have a good income stream or do not believe in putting your pet through lengthy health procedures then you may not want to buy pet insurance. In this situation it is worth considering making a donation to a pet charity instead to help those owners whose income is more limited than yours.
Having pet insurance gives you peace of mind. You know that whatever happens to your pet you can afford to look after it, so if you are the kind of person that worries pet insurance is definitely for you. Vet bills are continuing to rise having a policy means that you can meet these rising costs. If a new treatment becomes available for your pet you will be able to afford to let your vet use it to help your pet.
Remember that most pet insurance plans do not cover the cost of treating any pre-existing conditions that your pet has. However, even in these circumstances pet insurance can still make sense. Most insurers will still cover your pet for bills arising for treatment of injuries after an accident and for problems not related to their pre-existing condition. Always read the small print and ask extensive questions before committing to a plan, so you can be sure of exactly what is covered.
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