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You feel it is time to add a new member to the family. No, not a baby! You want a pet; possibly a cuddly and furry one to play with the kids, friendly and active to join you on walks and adventures, or even an exotic pet to admire in your otherwise commercialised home. In any case, pets are an essential part of any family unit. Our pets love us, and we give love back to our pets in return. And that's why having a good pet health insurance plan from the best pet insurance companies is so important, be it puppy insurance, dog insurance, cat insurance and even more exotic pets, like horse insurance, rabbit insurance, bird insurance and other types of pets.
Just like any of us, pets get themselves into trouble. Whether it be an accident, a sickness, an injury, or a more serious disease, pets are susceptible to painful and life threatening circumstances. The tragedy is that although our pets can experience the same pain as us, they are helpless and can't take care of themselves in most cases. They cannot purchase the necessary help that us humans can. Instead, it is up to pet owners to identify if and when their pet requires help, and then use their resources to seek professional help as needed.
So when making the commitment to buying a pet, we must also take responsibility and take the complementary commitment of supporting our pet’s health. However, medical care for pets can get costly. Each visit to the veterinary is expensive, and pet treatment costs can reach hundreds to thousands of dollars! Accidents may result in a broken leg, and the medical attention our furry friends deserve can become too much to handle. In order to be especially attentive to our pet’s well-being, the regular checkups they need are not cheap either...
Thankfully, Insuranks is here to connect you with insurance companies, so you can compare pet insurance plans from the best pet insurance providers and save you - and your beloved pet, be it a dog, a cat, a bird or anything else you decided to raise - a lot of money on your pet insurance cost! It’s as simple as a click: identify the pet insurance plan that works best for you, read our reviews and educational information as well as reviews posted by other customers about pet insurance companies, compare, get quotes and choose the best pet insurance for your needs.
Before committing to a pet insurance plan, let’s first consider and explore the following factors:
In order to understand which pet insurance plans are most suitable for your pet, you must decide how you plan on paying out your Deductible and Premium expenses. Although these two concepts may seem confusing, we are here to dispel the confusion so you are able to make the most informed decision possible.
In any plan, you have to pay out your monthly Premium expense, and your annual Deductible expense. Typically these two expenses are inversely related: when your Deductible is high, your Premium is low; when your Deductible is low, your Premium is high. In essence, your Premium is the cost associated with your pet insurance plan or policy. If the worst happens and your pet experiences an accident or develops an illness, your Deductible payment determines how much you will need to pay out of your own pocket and how much your pet insurance will be obligated to pay into your expenses to cover it.
But how do you decide how you want to pay? To answer this important question, we encourage you to focus on two questions:
For example, your pet is aging, so you may anticipate that it will develop a serious illness in the near future. If you make that judgement, a low deductible plan may be right for you since you anticipate that your pet will incur injuries or a sickness soon, and thereby don’t want to pay all the costs associated with that injury / illness. In the case that you have a new, young pet, you may anticipate that it will be healthy for the coming years, and avoid any serious illnesses or injuries. If you make that judgement, a high deductible plan may be right for you since you anticipate that your pet will not develop any illnesses or injuries in the near future, and thereby won’t need to pay all the costs associated with serious medical attention.
Whether you determine your pet is low or high risk, it is important that you consider the fragility of pets. It may seem easy to calculate your pets risk, but unforeseen accidents are almost inevitable. Therefore it is wise to air on the side of caution and assume that your pet will experience some illnesses or sustain some injuries, even if your pet is young and healthy. It is also important to ask yourself the following questions in order to properly calculate your pet’s risk: how often do I leave my pet alone? Is my pet capable of running away? Can I afford to feed my pet healthy rations, and high quality food? Can I feed my pet throughout the day? Do I take all the necessary precautions when bringing my pet in my car, travel with it or even when taking it outside?
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Depending on how you evaluate your pet’s risk, you are able to choose from the following plans:
As we mentioned earlier, your pets are very susceptible to injury. If your dog runs away, a reckless driver may harm it. Even a safe driver can run in to it by accident. Dog accident insurance covers it. If you leave your cat alone in the house, a slip or fall may harm it, as well. Cat accident insurance covers it. Pet accident insurance covers your pet accidents only.
Accident Only Pet Insurance Coverage is the most basic coverage you can secure for your pet. You can rely on an accident only pet insurance coverage to ease the costs of the medical expenses you are bound to encounter as a pet owner. To be sure, this form of pet insurance applies only to accidents. If your cat is scratched by another cat in the park, that constitutes an accident. If your dog is hit by a car and breaks a bone, that constitutes an accident and an accident only dog insurance will take care of that. However, while some things may be thought of as “accidental,” they may not be covered by accident only pet insurance coverage. For example, tick and flea bites, while common - and “accidental” - occurrences, may not be covered. Or, if your pet has a pre-existing condition that is only exacerbated by an accident, that may not be covered by Accident Only Coverage.
This type of pet insurance coverage may be most suitable for young pets that are verified to be healthy and, consequently, do not require any more medical attention beyond accident care.
Accident and Illness Coverage applies the same coverage as Accident Only Coverage, and also covers more serious illnesses. As we mentioned before, your pets are vulnerable to a wide variety of illnesses and diseases.
Accident and Illness pet insurance coverage accounts for accidents while also covering horrible illnesses such as cancer, infectious diseases, hereditary conditions, and skin conditions, g-d forbid. However, be aware that Accident and Illness Coverage may not cover pre-existing conditions, and illnesses that are easily curable with a vaccine.
When considering this type of coverage, it is important to assess the risk of your pet. For example, if your pet is older, it is more likely to be susceptible to illnesses such as cancer. Or depending on the breed of dog you have, they may be more prone to different problems.
Accident, Illness, and Routine Coverage includes both the Accident Coverage and Illness Coverage, but also includes the expenses that come with routine healthcare. When taking your pet to the vet for routine treatment, the doctor may be able to check for underlying issues that are causing your pet pain, look for any non-visible illnesses to make sure the pet is healthy, and provide important preventative health treatments, such as vaccinations and dental care.
To be sure, this type of coverage does not cover pre-existing conditions, ambulance expenses, complex surgeries, or prosthetic treatments.
Accident, Illness, and Routine Coverage is best suited for pets that are aging or breeds of pets that are most prone to developing diseases and illnesses. By providing routine care, you can ensure that illnesses are caught and treated at an earlier stage, so your pet can be treated and more effectively taken care of.
Now how can I determine the risk associated with my pet? What kind of illnesses might I see? Here are some of the most common injuries and illnesses among the most popular (and insurable!) pets: cats and dogs.
When interacting with other cats or playing in the bushes, it is easy for our “purry” friends to scratch their eye/s. Not only can an eye scratch be immensely painful and impose incredible discomfort for cats, but it can also lead to more serious infections! Cats are already prone to conjunctivitis, cataracts, and retinal disease, so let’s make sure they have care for preventable problems such as scratches!
Cats are especially “care-furr” about what they put in their mouths. Still, the food and toys they play with can sometimes get stuck in their throat. In the case that the object gets stuck, the cat may be at risk of running out of oxygen or, alternatively, experiencing internal damage. Either case is bad - be on the lookout so your cat is okay!
Cats are really bad at cooling down. When they feel too hot, they have a bad breathing mechanism that is effective in making them cooler. If they can’t cool down, they risk suffering from a heat stroke. To prevent such a bad thing from taking place, it is vital that the cat’s weight and fur length are managed. Overweight cats have trouble cooling down, and when they have too much fur, it acts as an extra blanket that they can’t take off.
When cats venture into the bushes, they upset the insects. Our cats risk getting bitten by the insects, causing immense pain and discomfort for the cats. Be on the lookout for the signs: keeping their bodies low to the ground or keeping their muscles tense.
We live in a fast world. Whether in the house or outside, our world can often be inhospitable to our domesticated friends. It is very easy for a cat to injure themself or irritate their ligaments. Be on the lookout for the signs: awkward movement and strained vocalization is common.
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In humans, cancer is an unfortunate fact of life. And it’s even more unfortunate that our pet friends could not escape the same tragic disease. Dogs are also susceptible to developing cancers as they age, such as lymphoma, melanoma, breast cancer, and prostate cancer. But fortunately, just like with humans, these cancers do not mean certain death. Our dogs are resilient and, given the proper medical care, can persevere the sickness and make it out healthy again! Although it is not fun for the dog, treatments such as surgery, chemotherapy, and radiation treatment can be effective in restoring a dog’s health. The sooner that cancer is identified, the more effective the treatment. So be on the lookout for the obvious signs: lumps or spots around the body and on the skin.
Lately, human beings have become more weight-conscious as we continue to learn about the harmful consequences of obesity. Unfortunately, just like cancer, dog’s are also susceptible to obesity. And the shame is that dog’s can’t even control their diet! While different breeds of dogs have different genetics and some are predisposed to obesity, the quality and quantity of food that we ration for our dogs can have a huge effect on their weight. With obesity, dogs can develop terribly painful and dangerous conditions such as heart disease, arthritis, and kidney disease.
Just like cats, our fast world can pose serious physical dangers to domesticated dogs. Whether it be cars on the street, confusing infrastructure, or even heavy household items, dogs are at risk of breaking their bones.
While dogs like to act brave when they experience a break, be on the lookout for a protruding bone, a lump, or and vocal whimpering. Breaks are very painful, and medical help can provide quick pain management!
To Sum it all Up…
We hope that you learned quite a bit about pet insurance, how it works, and what options are available for you as a pet owner. Before you compare pet insurance companies, quotes and plans, remember to assess your pets risk and understand what illnesses your furry fellow might be predisposed to.
Very simple, helpful and user friendly app. Highly recommended!
Very useful pet insurance alternative!
Disappointed that they don't cover pre-existing conditions
You have to wait 30 days before you can access your reimbursements..
Policy Type: Pet Insurance
Company name: PetFirst Pet Insurance
Excellent coverage, just what we needed. The only downside is the rates, which I believe are slightly overpriced compared to other options in the market.