The Right Time To Buy Insurance For Your Pet
Whenever we think of pet insurance, our thoughts drift towards the adverse situations
in which insurance is likely to help us, which is why we need insurance in the first place. But the time to buy insurance is not when we are already in a bad situation. With pet insurance, as with any other kind of insurance, the right time to buy it is when everything is alright.When the pet is healthy, both the premium and the number of exclusions in your pet insurance policy will be less. Once your pet starts developing any health issue or starts touching the older age-group, it will become harder for you to get a good deal in buying pet insurance. Almost all the pet insurance companies will exclude that illness from your pets insurance policy which your pet has already developed or started showing signs of.
The best decision is to put your pet on a policy as soon as it completes 8 weeks of life and before it has had any kind of illness. At this stage, there will hardly be any illnesses excluded from your pet insurance policy, unless any genetic disposition is discovered. This way, if your pet does develop a health issue later in life, then you will be spared the unexpected or unforeseen huge vet bills because you will have been paying the pet insurance premiums for all those months when your pet was doing well.
On the other hand, if you decide not buy pet insurance since your pet is healthy, you will be saving the small premium amounts but will constantly be at risk of facing unexpected vet bills that you may not be in a position to afford at the time or may leave you with a hole in your pocket. But the bad news is that in case your pet develops some illness and then you decide to go for pet insurance, that particular illness will most probably not be covered for or worse, your application may even be rejected if the pet insurance company chooses not to insure a pet already showing signs of illness.
There are different kinds of pet insurance options available today. Petplan, the leader in the pet insurance industry, offers a great covered for life policy. Covered for life essentially means that as long as you have your pet covered with Petplan, any illnesses are covered for the pets life. This is much better than the maximum benefit or 1 year policies that many of the other pet insurance companies offer in which the cover stops once the claim amount reaches the stated limit or the illness is deemed pre-existing and excluded from policy when it is renewed at the end of the year.
Many of us tend to underestimate risk when nothing is wrong and hence tend to overlook the need to have ourselves covered. So although it may sound a bit clich, but the smart thing to do is to prepare for the bad times when it is the good times.
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