What You Need to Know About Pet Insurance

Pet insurance is just one of the things that many pet owners notice about, and file away in the back of their minds at the’oh maybe I need to get that for my own dog ‘document,’ only to lose that so-called document and eventually regret doing so. I will be the first to confess that I am guilty of this, and it’s cost me thousands of dollars over time. I cannot tell you the number of times I’ve been sitting in a vet’s waiting room, crossing my fingers and praying to my God my beloved pet will survive his most recent foray into sickness, while at the same time stressing because I am unsure when I’ll be able to afford the invoice at the end of the day. Dogs get sick just like us but unlike us, they do not need to pay our bills once we must go to the physician. 

Every time I go to the vet, I remember that ‘document’ I locked out from the back of my head, the one featuring the good ‘ol pet insurance should I or should I not, and each time that happens, I mentally kick myself hard, very difficult for not following up on it. Even as I write this now, I do not have pet insurance for my own dog, and yeah I plan on kicking myself great and hard when I’m finished writing this. Maybe I should really kick myself for real because this mental stuff does not seem to be working out so well.

Pets are costly, no doubt about it and vet bills could be just outrageous, but those of you who really do have pet insurance would most definitely vouch for the fact that you are glad you have it. Likewise to life insurance, automobile insurance, or some other sort of insurance, you may possess, pet insurance premiums are paid monthly to the company that offers the plan and in return, your pet dog is insured financially for a range of health procedures. There are some different kinds of pet insurance programs you can buy for your pet, with, yup you guessed it, the more expensive ones covering more expensive health care procedures, and also the less costly plans not covering these costlier procedures. Visit the vet in Huntersville to learn more.

Before you select which pet insurance program is right for you, you definitely need to go over your options, maybe with your veterinarian to ensure you will be in the best position to not have to mortgage your house to cover that vet in the future. Maybe I should take my own advice? By way of instance, in case you have a Labrador retriever, there is a fairly good possibility that at some point during its life that damn dog is gonna eat something he should not, that will bring about a mad dash to your vet office to get a good stomach pump! Yeah, you have me, this has happened to me and the following scope set me back $800, which undoubtedly came out of Lars’s allowance!

Pet insurance programs have a wide selection when it comes to those pesky monthly premiums with some starting as low as $10 and others going as large as $45 and up. Personally, if I had to purchase pet insurance for Lars, I’d go with a mid-century of the pack premium option, since it is this type of pet insurance program that would offer the kind of policy I would need. If you elect for basic pet insurance, you’re covered for things which are thought of as fundamental vet processes, which may vary from nail clipping that is in fact performed by a vet tech, not your veterinarian, to diagnosing of an ear infection, to possibly even your dog’s annual vaccine invoice. If you choose a fundamental pet insurance plan and your pet eventually requires surgery, good luck as you are outside in the cold with this one, which is precisely why I wouldn’t go cheap when it comes to policy. Yeah, I’d choose to pay like $35 per month for coverage which works out to $420 a year but 420 would not just pay for Lars’ trips to the veterinarian for basic things, but it would also cover expensive veterinary processes like stomach pumping, or in Lars’ case, his recent TPLO on his back left leg, that luckily for me was graciously covered by Guide Dogs For The Blind, the amazing school where I obtained the Bar.

I drink a good deal of coffee, far too much coffee actually and more frequently than not, I find myself in Timothy’s, our local coffee shop my brother and I seem to have adopted as our home away from home. If I had to guess, I have paid for several decades of pet insurance coverage through the years in liquid gold, otherwise called coffee. That is my way of saying that when I could throw money away on overpriced coffee on a daily, occasionally bi-daily foundation, then revamping my financial plan should let me pay for pet insurance without me breaking my bank to take action. Stop and think for a second, about something that you buy daily, something that you know damn well you invest too much money on. Perhaps it’s coffee, perhaps it is a pack of smokes. I myself won’t do this because I know that I spend too much money on coffee and could be a lot richer if I didn’t drink the damn stuff.

Having good pet insurance is similar to getting an ace in the hole, everybody would like to have it! You may cover pet insurance every month and in the long run, never will need to fully utilize it knowing what I know today, it would make me feel a lot better knowing that I personally, and Bar were covered. The next time you’re at your vet, take a peek at an end table or counter for you will surely find a stack of pet grooming pamphlets that will detail a number of the popular pet insurance programs that are out there for puppies. Ask a lot of questions to make sure that you are well aware of what you are signing up for, and keep in mind, no question is a dumb question.

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