Is Pet Insurance Necessary For The Good Health Of One's Beloved Animal?
Health insurance is going through some major changes in the coming years as new policies
are implemented to allow all individuals, regardless of pre-existing conditions or not, to obtain coverage for the sake of their well-being.As the importance of health insurance has been drummed into humans, pet owners have begun to wonder if applying for a pet insurance policy is a necessary part of their pet's overall standard of care.
Why would a pet owner want to make insurance a part of their pet care regimen?
Protecting the family members and their finances is one of the chief reasons that a pet owner will seek out a pet insurance policy. In other words, the remedies for certain animal ailments can cost more than what a family is able to afford without the insurance coverage.
For example, in April 2010 pet owners spent an average of $5,000 on their pets for treatment of neurological issues, over $4,000 on kidney problems, and close to $7,000 for different cancer treatments all without the help of insurance to take care of the fees.
Avoiding these high costs and the possibility of cleaning out one's savings account as a result can be eliminated with the purchase of a pet insurance policy, where many different types of plans are available for each individual animal concerned.
And, one of the more important aspects that owners point out about having pet insurance is that it helps the human make a less selfish decision on treatment options since money is not such an issue when insurance is covering the costs of managing the ailment.
How do pet care insurance policies work?
A pet insurance policy operates in a very similar fashion to a human health insurance plan - payments are made to the insurance company on behalf of the animal, opening the way for discounts as well such as five percent off the total cost of the microchipping procedure, as well as an additional five to ten percent off the cost of insuring more than one pet with the same policy.
Policy plans and subsequent costs depend on such factors as whether or not the pet is primarily an indoor or outdoor animal, the age of the pet, or if it is of a purebred breed.
As a pet is equivalent to a member of the family, it pays to make insurance part of the pet care routine.
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