If you’re anything like us, you consider your pet part of the family. And just like human children, we want to provide our fur babies with the best care possible—especially when they’re sick or hurting. What if there was a way to help your pet live their best, longest, and healthiest life? Well, there is with pet insurance coverage.
When you purchase pet insurance, you’re investing in your pet’s future and a life full of adventures, snuggles, and tail wags. Keep reading to learn more about pet insurance and what to consider when choosing the best plan for you and your pet.
Pet Insurance Basics
Whether you have a new puppy/kitten or senior pet, the choice to invest in pet insurance is one of many decisions you’ll make throughout your fur baby’s life.
Oftentimes we assume that older pets are more likely to need insurance, but any experienced pet parent knows that puppies and kittens can get themselves into some prickly situations. Which is why we recommend that our clients view pet insurance as just another form of preventative care.
Although you can get pet insurance coverage at any time your pet’s life, sooner is typically better. Early pet insurance enrollment can greatly limit what your provider would consider a “pre-existing condition.”
What to Consider When Choosing a Pet Insurance Plan
1. Your pet’s specific needs.
Age, breed, and lifestyle are important when selecting pet insurance coverage. Even as babies, it’s crucial to consider hereditary conditions that may affect some breeds of cats and dogs later in life. If you travel with your pets frequently or use them with livestock, these lifestyle factors can expose your loyal companion to unplanned illness or injury.
2. Budget.
How much are you willing to invest in your pet’s longevity? Just like any new family purchase, budgeting for pet insurance is routine. Look at co-pays, deductibles and out-of-pocket costs just like when choosing your own health insurance.
3. What isn’t covered…
All pet insurance plans have exclusions or things that won’t be covered. Read these carefully when comparing plans and coverage to make sure you’re choosing the best option. One thing that all pet insurance plans have in common: they do not cover pre-existing conditions. So, if you wait until your sidekick is diagnosed with a hereditary condition or chronic illness, like diabetes, they may be ineligible for coverage.
At its core, pet insurance provides peace of mind, especially when your four-legged friend lands you in a stressful situation. So, whether you’re scheduling your pet’s first visit or their 100th with us, the team at Bayside is always happy to answer your questions about pet insurance and provide recommendations that we believe will suit you and your pet.
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