As an increasing number of pet owners adopt the necessary mentality that a pet is a real member of the family and should be treated as such, a number of services that were once offered only to humans have begun to crop up. One such service is the pet health care plan, which is an animal version of human health insurance. A relatively new service such as this comes with its own share of questions. What kind of pet health care plans are available? How should I choose one? Are they truly useful?
Just as with human health insurance, there's a wide variety of plans available to help you take care of your pet whether you're facing an emergency situation or a basic blood test or x-ray. As veterinary care becomes more advanced-and, as a result, more expensive-pet health care plans become increasingly useful. An illness that ten years ago would have led to your pet's tragic death can now be easily cured-if you have the money. With veterinary treatments for diseases such as cancer skyrocketing into the thousands or tens of thousands of dollars, health insurance for your pet might suddenly seem like a wise course of action.
Some examples of pet health care plans include accident-only coverage, basic coverage, and life insurance. An accident-only plan would cover your pet in the instance of sudden tragedy such as poison ingestion, being hit by a car, or getting injured while on a hike. Basic coverage offers the same benefits as accident coverage, but also includes coverage in the event of illness. Basic coverage may or may not include prescription coverage. If it does not, you can usually purchase a prescription rider to add to your basic coverage plan. From here, there are several tiers of health care plans that take care of everything from an accident to a basic wellness check-up. Finally, life insurance is available for those who wish to be covered for medical expenses in the event that veterinary medicine is unable to save their beloved pet.
Choosing a pet health care plan can be difficult, given the sheer number of plans available in this booming business. Your first task should be to speak to your regular vet both for recommendations and to find out which plans they currently accept. There are also numerous websites out there that give you the opportunity to compare several plans side-by-side to see which is the most cost-effective option for your needs. Many companies only offer coverage for cats and dogs, but there are other companies devoted to animals like horses or exotics.
While figuring out all the bells and whistles of pet insurance might be difficult at first, just remember there are plenty of resources at your disposal for good advice. With patience, you're sure to find a plan that will suit both you and your pet; a plan that could cost you as little as a quarter a day-a small price to pay for the peace of mind the assurance of your pet's continued health and well-being will bring you!
