2 Questions A Store Can Ask About Service Animals Are You Insured? Pros and Cons of Pet Insurance

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Are You Insured? Pros and Cons of Pet Insurance

More and more people are breaking away from the “dog owner” label and are embracing the role of pet parent. We are realizing that dogs are not just things to have but members of our family and therefore should be treated with as much care and respect as you would your own children. Birthdays, holidays, family vacations and even the occasional day off or restaurant outing are just some of the occasions in which including the family dog ​​is no longer the case.

As a beloved member of the family, it’s important to keep your dog happy, healthy, and well-adjusted. Proper obedience training, a biologically appropriate diet, and regular visits to your vet are all important ways we can help ensure our dogs have the best chance to live a long life. and happiness.

When it comes to your dog’s health, it is always a good idea to be prepared for anything; because you never know when an accident will happen or you or your pet will go into a medical emergency.

Make sure you keep a well-stocked first aid kit with all the essentials to keep you and your family safe…including your dog!

You should keep a first aid kit handy at home, in the car, at work and even when traveling with your pets.

Health Insurance Isn’t Just For Just One Person Anymore

Another way to prepare if your dog is injured in an accident or contracts an illness is to have a pet insurance policy. Health insurance is not just for people anymore. Pet parents now have the opportunity to purchase insurance for their dogs to help offset health costs down the road.

Similar to health insurance for people, pet insurance can cover everything from regular checkups, emergency procedures, other medical treatments and even genetic conditions (depending on the plan).

Pros and cons of Pet Insurance

So why would you want to get health insurance for your dog? Well the benefits of pet insurance are many:

• Pet insurance can help cover costs associated with routine care, accidents, illness, medication, and vaccinations (depending on the plan).

• Some policies will cover prescription drugs or other therapies such as acupuncture, chiropractic, homeopathic, or hydrotherapy.

• Many plans are customizable so you can add or remove areas as needed.

• Most companies offer a 30-day money-back guarantee if you decide to cancel and not use the insurance within the 30-day window.

While there are many people who swear by having insurance for their pets, there are some critics out there who are not so sure. The main arguments against pet insurance are:

• Some policies do not cover pre-existing conditions and have strict guidelines on what is considered a “pre-existing condition”.

• Some companies have age restrictions set within their plans. This means that older pets may have reduced coverage or worse, they may not be properly covered.

• Some plans require that you seek care from an in-network physical therapist in order to qualify for insurance reimbursement.

• Some plans charge a penalty if you cancel your plan early so be aware of this.

Questions to Ask When Shopping Around

There are many different companies out there that offer pet insurance now. Before you make a decision, it’s a good idea to do some homework to make sure the plan is right for you and your dog.

Here are some questions you should ask:

1. “Can I choose my own vet or do they have to be part of your in-system network?”

2. “Do you cover:”

Genetic conditions (hereditary/congenital)?

Other therapies (chiropractic, acupuncture, hydrotherapy, etc.)?

Pre-existing conditions?

Reproduction, child, pregnancy?

Medicines or food?

3. “How is payment calculated?” (Actual vet fee vs. average rate for service)

4. “Can I modify my plan according to my own choice removing or adding/removing benefits?”

5. “Are there policy payout limits? If so, what are they and are they based on each event, annual, or lifetime?”

6. “Do you remove dogs that eat raw food from your area?”

7. “Are there any multiple pet rates, military discounts or other offers available?”

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