Pet Insurance Brands For Your Furry Friends
When adopting a new dog or cat, most people probably don’t think about buying pet insurance. Instead, you focus on immediate necessities, like food, toys, and other items. However, buying pet insurance isn’t something that you should put off.
Today we’re going to talk about why you need pet insurance, what to consider when comparing different brands, and what brands are out there for you to choose from. Let’s get started!
Why You Need Pet Insurance
It may seem like a waste of money to buy insurance for a pet that is perfectly healthy, but just like with humans, as pets age, they become more and more likely to run into health problems, and when that happens, you will wish you had a little financial help to pay the vet bills.
Plus, accidents can happen to a pet at any age, and insurance can help cover the cost of those, too.
How to Choose the Right Pet Insurance
Not all pet insurance companies are the same. One company may cover a certain problem, while another won’t. The pet insurance policies will have different costs, requirements, and rules that buyers need to consider before signing up.
When it comes to making the decision, there are a few main things you need to ask yourself:
What Does the Insurance Cover?
First of all, most pet insurance brands will not cover preexisting conditions. The definition of a “preexisting condition” will change depending on the brand, but generally, it’s a health problem that your pet had before you bought the policy.
Some brands will cover these conditions if you can prove that the problem appeared to have been cured for anywhere from six months to a year before you bought the policy, but others won’t.
This clause is why buying insurance while your pet is still young and healthy is so vital. Younger pets are unlikely to have developed any preexisting conditions, which means that the insurance will have to cover any problems that do arise as the dog ages.
Another thing to keep in mind is that some brands only cover accidents, like injuries from car crashes or sickness from the pet eating something dangerous. This means that they won’t cover treatments for genetic conditions, other sicknesses, or even routine wellness items like vaccinations.
Make sure to read up on exactly what is covered before buying a new policy.
What Does It Cost?
Pet insurance can range anywhere from $10 to $70 per month, depending on several different factors, including the brand. As you might expect, though, the more comprehensive the coverage is, the more you will have to pay.
If you’re paying the lower range, you are likely only covered for accidents and serious injuries, while paying more might mean your dog is covered for routine immunizations and dental visits.
When choosing your pet insurance, you should try to find a balance between a level of coverage that your comfortable with and a price that fits your budget.
Final Thoughts on Pet Insurance
There are many, many pet insurance brands out there, including Nationwide Pet Insurance. Choosing the right one will take research and time, but it’s important to do it early in your pet’s life to get the most out of it. It’s better to be safe than sorry in situations like this.