Take proper care of your pet


Dog Insurance: Yes, you Need it

Although pet insurance has been available formultitude of specific companies; and, just as
approximately 20 years, many pet owners havewith your average health insurance plan, the
never used it and are surprised that such ahigher the premium, the greater the range of
thing would even exist. After all, insurancebenefits  you  and  your  pet  receive.
is  for  people,  right?
The average plan is from $20 per month and
Well, if you have ever had to use yourhas either no annual benefit limit at all or
savings account in order to pay for a pet'sa limit of approximately $15,000. Many plans
surgery or if you have ever had to put aoffer discounts for multiple pets. Your
beloved pet to sleep because you couldn'tdeductible will be determined by the plan you
afford medical care, then you know thechoose, but the average is approximately $100
usefulness  of  pet  insurance.per  year.
As is the case with most other health-relatedSince the majority of the medical expenses
expenses, the costs associated with angenerated by a pet are related to routine
average pet's medical care are rising all theprocedures, look for a plan that covers
time. If you have multiple pets, the cost ofvaccinations, neutering and spaying, annual
even the most basic care can be financiallycheck-ups and dental care. You want your pet
painful. When deciding whether or not to buyto be protected in case he develops a serious
a health insurance policy for your pet, youillness or injury, but these lower-budget
have  to  ask  yourself  a  few  questions.procedures can also put a big dent in your
bank account. Make sure you're pet is
1. Do you consider your pet to be part of thecovered!
family?
What  Sort  of  Restrictions  Are  There?
2. Would you be unable to pay for (possibly
thousands of dollars in medical bills if yourYou may be willing to pay for your pet's
pet develops cancer or needs long-termhealth insurance, but that doesn't mean an
medical  care?insurance company will automatically cover
him. If your pet is over a certain age, he
3. Would it absolutely break your family'smay be denied coverage. Even if you find
heart to have to euthanize your pet becauseinsurance for your pet, there are always
you didn't plan ahead for potential healthcertain coverage limits and restrictions.
crises?Most policies won't cover the treatment of
pre-existing conditions or genetic defects.
If you answered "yes" to any of theseSometimes cancer is also excluded from
questions, then you'll want to seriouslycoverage (although many companies will add
consider purchasing an insurance policy forcancer care to the coverage for an additional
your  pet.cost).
What  Kind  of  Pet  Insurance  Is Available?Be aware of any waiting periods that are
written into your pet's policy.
Pet insurance is now available through a



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