Cost vs. Value: How Does Pet Insurance Work, Exactly?

Pet insurance can help you pay for veterinary care.While you can never predict what’s going to happen, it’s likely your pet will require life-saving veterinary or emergency care at some point in their life. What if The Pet Experts told you there was a way to protect your pet’s future through a simple and effective investment? Purchasing pet insurance can be an excellent way to protect against unexpected veterinary costs, but choosing the best option isn’t always easy. Let the team at Naperville Veterinary Hospital lend a helping hand!

Projections

You want your pet to live the longest, healthiest life possible, right? Well, just like people, pets face health problems related to age, weight, contagious diseases, and sudden accidents. Knowing the most about their health can help support longevity, but more often than not, pets require emergency care due to unforeseen circumstances. Continue…

Prudent Planning: A Pet Insurance Primer

You may have found yourself thinking as you whip out your credit card to pay for Fido or Fluffy’s vet visit, “Boy, they should have insurance for this!”  Well, it turns out, they do.  There are several companies out there who are willing to insure your pet for everything from routine vaccinations to cancer treatment.  Here are a few things to think about if you are considering pet insurance:

  • Most pet insurances require you to pay the veterinarian at the time of service out of pocket and then reimburse you directly based on your policy.  Some plans will reimburse you based on the actual bill and others based on a predetermined amount depending on the services provided.  Find out what you are getting before you buy.
  • Pre-existing conditions and breed specific diseases are often not covered, although this may vary from policy to policy.
  • Weigh the costs.  You can buy coverage that will pay for routine costs or one that just covers major medical expenses.  Decide what you are better off paying out of pocket for and where insurance coverage would be helpful.
  • Shop around.  You may find a better deal for similar coverage with another carrier.   A few to check out include Purina CareTrupanion Pet InsuranceVPI Pet InsurancePet’s Best InsurancePetCare Pet InsuranceASPCA Pet Health Insurance, and PetFirst Healthcare.

For some situations, pet insurance makes a lot of sense.  Many times it helps owners afford care that they otherwise might have to forgo.  Do your research and find out if pet insurance might be a good investment for your furry family. If you have any questions, feel free to contact us.