subject: How Do You Choose Which Pet Insurance Is Best? [print this page] How do you choose which pet insurance is going to give you all of the coverage you need while also getting the best price possible? There is a lot of competition out there in the world of insurance for pets so you are spoiled for choice. Of course, you also want to make sure that you're providing the medical attention you need to provide in case your pet ever gets really sick or seriously injured.
Part of determining not only which pet insurance is best for you but if you want to take out insurance at all is evaluating how far you would go to medically treat your pet. Once upon a time we didn't have the same type of medical options that we have today when it comes to our pets' health. We often ended up putting our pets to sleep in exchange for saving them from a terrible, long, drawn out death.
Today you have a greater range of diagnostic tools available. It is almost impossible to leave the vet's office for less than $100. Part of this is to help cover the expense of equipment like MRI machines and life support units. Dialysis machines are also beginning to show up in veterinarian's offices around the country. These are very expensive diagnostic tools that will often pick up on problems that we once couldn't predict.
Not only have the diagnostic tools improved but you now have human inspired vet care. Your pet can be put on a ventilator until you come to say goodbye. Your dog or cat can get on a waiting list for an organ transplant. Not that long ago when our pets were diagnosed with cancer we waited as long as we felt was fair and then ended their pain and suffering by having them put to sleep. Now, we have chemo options and a few select vets even have radiation treatments.
When you tally all of this up, looking for pet insurance seems like an overwhelming job. What do you expect and how far would you go? Not everyone agrees with the idea of putting a dog or cat through radiation and chemo treatments. Not everyone believes we should put Fido's liver in Rex's body. Yet some animal owners want the very best care for their pet no matter what the cost.
Most of us fall somewhere in the middle. We want our pets to be healthy and survive and we will often entertain treatments that are quite costly. A joint replacement, including therapy, can run to over ten thousand dollars.
Considering that hip dysplasia can hit a dog as young as two, that can be a lot of money - even if it does prolong a life. It's wise to factor in your dog's breed and their health risks when deciding which pet insurance offers the best coverage for what you would consider reasonable treatment for your pet's highest risk factors.
When you consider cats, dogs, and other pets for their risk factors and their medical history it becomes a little clearer on how much insurance you will find appropriate. Which pet insurance is tailored to your pet and which one just offers blanket insurance? These are some of the things you will have to take into consideration. Ultimately, your decision will boil down to two things. Whichever option you are more comfortable with and how much you are prepared to pay for the policy.
by: Eddie Lamb
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