Pet Insurance: Saves Money or Not?

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Admit it: going to an ER at a veterinarian clinic is not the most enjoyable mission, especially if you have a tight budget. Only the visit to the ER and a blood test can get you costs between $100 and $250. Basic appointments get you access to vaccine immunization, a heartworm test, and faecal analysis, having a total cost of $100. And pet owners know that this can get quickly into financial distress. Besides, if you think about the possibility of your pet having an accident or developing a severe illness that requires hospitalization, you will remember the expensive one-night costs of over $700.

Thus, you might wonder what can you do to get both good care for your pet and financial support. Your pet needs you to care about it, and if you own a furry one, you know that you love it too much to let it suffer. This is why pet insurance was developed.

Pet insurances are quite frequent all-around Europe, and recently gained a lot of attention in the U.S. similar to human policies. A pet plan can get you to access distinct plans based on your budget and the desired coverage. And the costs for such insurances range from $20 to $120 per month. Also, they differ because some cover a specific percentage of your vet costs, while others offer access to a particular sum per emergency. Besides, age and breed influence the coverage of some providers. So, if you are ready to take some plan for your pet but can’t make a choice, then some special sources will be your helping hand. One of them is Petinsurancefinder, where every owner will receive all necessary information about different pet insurance companies and make the right decision.

For the sake of discussion, let’s say you own a Golden Retriever that just turned three. And you rescued him from a local shelter, which is why you had him spayed, vaccinated and checked up. Still, you see that from now, and then he throws back his food. And think he is fine, as he resumes his play and fun time. Besides, you might think that he simply ate too much, which is why he fell sick. But out of a blue, one night, he starts to growl in pain, and you can’t just simply ignore it. You get your furry friend at the ER clinic as soon as possible, and the vet does various tests. And the recommended treatment is emergency surgery for a stomach tumour. All good, you agree to it, and soon after the successful surgery, your vet tells you there is the need for after-surgery special care. And the veterinary costs reach the impressive amount of $5500.

Not one pet owner predicts he or she will spend in a week that much money on a dog emergency. Still, it is frequent! Some indeed say that if you are a pet owner, you must be ready to face this type of situation, but who on earth manages to save this amount easily? Adding to the story, a pet policy might’ve covered for around $4800 of the costs. Some can argue that the insurance costs were better to be used for something else. And that there is actually a financial loss if the pet never gets ill.

The truth is that this isn’t about the money that you spend on the policy and never gets used. It is all about the distress of having a pet needing immediate emergency interventions that require you to accept whatever the costs might be.

Pet owners know this feeling, and they value their furry friends so much, that they won’t risk their wellbeing, no matter the costs. Our pets are the ones always ready to shower us with love after a long day at work. And when the vet says you need to choose between emergency surgery and euthanasia, you will do anything to find a solution to pay for that surgery.

Therefore, even though pet policies might appear risky, having peace of mind and easy access to the best care is worth it. You will know that you have the financial support needed to face any type of accident or illness that might occur in your pet’s life.

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