6 Myths About Pet Health Insurance
health insurance might be something you've never considered
buying. Many owners don't believe they need pet health
insurance; others may think it's too expensive, too complicated
to file claims against, or inappropriate for their pet's needs.
Here are some of the most common myths about pet health
Myth 1 - You Don't Need Pet Health Insurance
Anyone's pet may
become sick or injured at any time. Veterinary bills can pile up
fast, and can become quite costly. You might think you don't
need pet health insurance, but it can save your pet's life.
Health insurance coverage means that you won't have to put your
dog down because you can't afford the medicine he needs to treat
a disease or because you can't pay for his surgery.
You shouldn't wait until your pet becomes ill to consider
buying medical coverage. It can be difficult to get coverage for
a pet that is already sick.
Myth 2 - Pet Health Insurance Is Too Expensive
In fact, pet
health insurance can be quite affordable. Pet health insurance
companies offer a wide range of policy options ranging from
basic care plans that offer accident, injury and routine care
coverage, to accident only coverage, to multi-pet coverage. Some
companies won't even increase your premiums as the pet ages, so
your six-month-old puppy will cost just the same to ensure when
he's a ten-year-old dog.
Myth 3 - There Are So Many Exclusions, It Isn't Worth It
pet health insurance policies cover a wide range of illnesses,
accidents, and injuries and most companies offer coverage in the
thousands of dollars. However, hereditary, congenital and
chronic conditions may be excluded. Make sure you ask about
these conditions, especially if your pet is of a breed
susceptible to certain hereditary, chronic or congenital
conditions. Most companies offer riders that can extend coverage
to these conditions.
Extending coverage to include hereditary, congenital and
chronic illnesses can, of course, increase the cost of pet
health insurance. However, treatment for many congenital,
hereditary and chronic illnesses can be quite costly. You might
need that coverage to ensure that your pet receives the care he
Myth 4 - You Can't Choose Your Own Vet
Most pet insurance
companies won't place any limits on your choice of veterinary
care, and will instead allow you to visit the vet of your
choice. This extends to emergency clinics and visits to
Myth 5 - Pet Insurance Is Complicated To Use
insurance is actually very easy to use. Just visit your vet, pay
the bill and then submit a claim form with your company. You'll
be reimbursed according to your level of policy coverage.
Myth 6 - Pet Insurance Doesn't Cover Routine Care
believe that pet insurance won't cover routine care such as
vaccinations, dental cleanings and spay and neutering
operations. The truth is that most pet insurance companies offer
coverage for routine care and wellness treatment. This makes
good financial sense; after all, if your pet health insurance
reimburses your for the less costly procedures that keep your
pet healthy, it'll be less likely that they'll need to pay out
for more complicated procedures in the future.
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