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Some basic plans start at $10.00 a month, while more extravagant plans cost upward of $400.00 a month. Since no two pet insurance plans are exactly the same, you should research each policy before making a choice that best fits your needs. The following questions are important to keep in mind when determining if pet insurance is worth the expense:
What's covered? Look over several plans from different companies before making a provider selection. Make sure the plan you choose defines clearly what is and what is not covered. For some pet owners, pet insurance is a safeguard for future catastrophes, such as sudden accidents or the emergence of a serious illness. For others, the coverage they choose applies to every vet visit, including checkups.
What's not covered? There is more to picking insurance plans then finding out what is covered by insurance. You need to also know what is not covered so you can compare plans to one another and so you are prepared when your pet needs a test or procedure that is not covered.
Are hereditary illnesses and conditions covered? If you own a purebred animal, they may be prone to a breed specific condition. For example, German Shepard's are likely to develop hip dysphasia, and Labrador's are often inflicted with eye problems.
What's the deductible? Is there a co-pay? Be sure to understand what you are expected to pay for and exactly how much. You don't want to pick an insurance that covers little if anything.
What (if any) is the age limit for a pet to be covered? The best time to purchase pet insurance is when your pet is just a puppy. As pets get older they require more care, especially later in their lives, and the premium goes through the roof or coverage no longer exists.
So who is pet insurance for? Pet insurance is best suited for pets that are young and healthy. Pet insurance is also a good investment if you:
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Provides great care for your pet. I don't think there isn't anything they can't do for your pet. They are also the only vet in the entire area that can provide Veterinary Orthopedic Manipulation (VOM). It's a form of chiropractic work for animals. I thought they were nuts for suggesting it, but it's the only thing that has helped my dog with her back issues. She does not take any pain meds and is like a puppy as long as she has VOM every month. It's truly a life/pain saver. My dog is living proof that this practice works. This practice is so rare that even a veterinary hospital in another state who specializes in rehabilitation does not perform this procedure (which is mind boggling). My other dog could not stomach pain meds and antibiotics after a surgery. We tried homeopathics and that's what helped her with her pain. They definitely know what they're doing when it comes to medical care for animals. We've been going there for 12 years and counting......
Dear the amazing team at Village Vet, thank you for the beautiful poem and heartfelt card you sent me after Lucy's passing. Its nice to know how much you care about your patients and their owners. I will miss my little monkey but WHEN we decide to bring another little furbaby into the family you'll be the first people I'll call.