Short Summarize
Pet insurance offers numerous benefits, including the freedom to choose any veterinarian, assistance with budgeting for unexpected veterinary expenses, and the ability to provide optimal medical care for your pet without financial constraints.
Why Buy Pet Insurance?
- Get Free quotes from the best pet insurers
- Protect your pets from harm and yourself from unexpected vet bills
- Claim exclusive discounts and offers from top providers
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List of benefits
But for most people, their pets are like a part of the family and they would be willing to pay any price to keep them healthy. Unfortunately, we can’t predict the medical problems that our pets will have, and we can’t guarantee that we will be able to afford them when they do arise. That’s why to buy pet insurance. Here is a list of benefits if you are still skeptical.
- You can keep your own veterinarian. Unlike human health care, you don’t have to stay within your network. You go to whichever vet you choose, and the insurance company will reimburse you for your bill. So, if you have been using a vet for years and are comfortable with them and happy with their care, you don’t have to give them up. You are free to stay with them and still be eligible for the pet insurance.
- Pet insurance helps you budget. Unexpected vet bills can cost thousands of dollars. Figuring out how to afford such a bill can be almost impossible for some people. When you consider why to buy pet insurance, money is a big weight in. If you are independently wealthy, you might not need to buy pet insurance. If you are a normal hard-working person, however, buying pet insurance can save you a lot of money. With the cost of vet visits rising, any way to save money is worth it. Many times, a vet bill must be paid with a credit card or a high interest loan. Pet insurance can save you the money you would be paying on interest by allowing you to pay a smaller monthly payment.
- It’s easy. Getting reimbursed for your veterinary bills is as simple as filling out a form and sending it in. Depending on the reimbursement rate you chose in your plan, you will be getting a check in the mail for part or all your vet bill. There’s very little complicated paperwork and hoops to jump through.
- It’s affordable. The cost of health insurance for people is outrageous at times. Pet insurance is surprisingly affordable. For less than $50 per month, you can be sure to be able to take your pet in to the vet without worrying about the bill being too high. Some policies can be as cheap as $10 per month.
- Pet insurance allows you to give your pet the best medical care. Instead of choosing what to do based on cost, you can choose how to care for your pet based on what would be best for them. Many times, your budget can make some procedures too costly to be an option for your pet, even if you know it is really what they need. Pet insurance makes that hard decision a piece of cake by allowing you to rest easy knowing you can take care of them the way you want to.
- Pet insurance can save your pets life. This is definitely the undeniable number one reason why to buy pet insurance. As sad as it is, some pets have been euthanized, not because they couldn’t be saved medically, but because their family couldn’t afford the medical bill that would come with the procedure they needed. Pet insurance can help prevent that tragedy by taking huge bills and cutting them into a fraction of the cost. This means that you won’t have to feel forced to give up your pet because you can’t pay the bill.
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How to Choose the Best Pet Insurance
With the onslaught of bills to pay for, adding one more on top of the load can seem a bit excessive for your pet. That is why people ask why to buy pet insurance when there are so many other financial responsibilities in the mix.
But for most people, their pets are like a part of the family and they would be willing to pay any price to keep them healthy. Unfortunately, we can’t predict the medical problems that our pets will have, and we can’t guarantee that we will be able to afford them when they do arise. That’s why to buy pet insurance. Here is a list of benefits if you are still skeptical.
How Pet Insurance Works?
So you’re looking to save money on your pet bills with pet insurance? Being a pet owner myself, I know the struggles. Let me help you out! Almost every modern household has a pet (I have a few). Furry animal friends have become part of the family for pet-loving people.
How to Choose the Best Pet Insurance for Your Dog
It’s common knowledge: dogs and puppies getting into everything. While we should always hope that they stay out of anything dangerous, it’s always better to have peace of mind knowing that if something happens, your pet insurance will be there to cover the costs.
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There are certain areas that we look into and decide how to rate and score. To better understand the process we take when reviewing, ranking and scoring services, offers and service providers on this site, please read through the information below.
FAQ
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How to reduce the cost of pet insurance?Many pet owners want to find the most affordable pet insurance plan possible, while still getting the coverage they need. There are several ways in which you can cut down on the cost of your premium. One of the easiest ways is to choose the highest possible deductible when signing up for your plan, as this will reduce its overall cost. If you set the annual limit and reimbursement rates lower, the premium will also get cheaper. A lot of leading pet insurance providers may also offer discounts for multiple pets or loyal customers, and some even run programs where you can save money by looking after your pet better and taking it for regular check-ups.
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What do I need to run a pet insurance quote?Getting a pet insurance quote from a leading provider like Hartville, Spot, or the ASPCA is very simple. The process can vary depending on which site you use and which provider you're working with, but usually, all you'll need to fill out the forms is the name of your pet, its species, breed, age, and perhaps size or weight as well. You'll also need to enter some contact information so that the quoted plans can be emailed over to you. After providing the necessary info, you should be greeted with a screen showing you your quoted premium, and you can usually make adjustments to things like deductibles, reimbursement rates, and annual limits in order to modify the details and cost of your plan.
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Is Pet Insurance Worth It?When you realize that routine veterinary care can cost several hundred dollars and urgent treatment or surgery can cost thousands, it's clear to see that pet insurance can save you a lot of money in the long run. We all hope that our pets will stay happy and healthy for years to come, and it's easy to overlook the importance of pet insurance when your dog or cat is young and full of life. However, as animals get older, the risks of various health conditions, disorders, and diseases begin to rise, and many pets can be affected by all kinds of physical issues as they get older. Pet insurance can provide much-needed peace of mind to any pet owner, as well as potentially saving your pet's life someday.
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Is Pet Insurance Tax-Deductible?There are some ways in which you might be able to claim tax deductions on your pet insurance or simply the general costs of owning your pet, but the circumstances for this can be quite specific, so you need to do your research and speak with experts to learn more. If you require a pet for medical reasons, for example, like a guide dog for a visually impaired person or a therapy dog, you might be able to make a claim. You might also be able to obtain a deduction if you use a guard dog at your business or you happen to be a professional animal breeder. In and of itself, insurance isn't usually deductible for most pet owners, but it's a possibility in some of these aforementioned special cases.
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What are the Price Factors on pet insurance?
- Location – Your location will affect the price of your pet insurance, as pets living in densely populated cities are generally be seen to be at a higher risk of injury than those living out in rural locations.
- Pets age – The age of your pet can have a huge bearing on the cost of your pet insurance too, as older animals are more likely to develop health issues and therefore will be more expensive to cover.
- Pet's breed – The breed of your pet can also be a key factor in determining the total cost of your insurance. Certain breeds, especially big dogs, are more at risk of health issues and have shorter lifespans, leading to higher premiums.
- Selected deductible/reimbursement level – If you choose a higher deductible, meaning you'll be paying a larger amount each time you make a claim, you'll get a lower premium. Similarly, if you choose a lower reimbursement level, your premium will be cheaper, and vice versa.