For many people pets are valued members of the family. They provide companionship and love and can fill even the most stressful of days with sunshine. However it is almost inevitable that at some point the family pet will fall ill. At such times payments for the professional care of the pet can place finances under tremendous strain. This is why pet insurance companies offer a variety of plans that can smooth over the financial stresses of pet illness.
The variety of pet insurance plans that are available will suit every pocket and have been designed to provide finance for a wide variety of different pets – from dogs and cats up to animals such as horses – in fact equine insurance is extremely popular due to the high costs of treating ill health of horses.
When it comes to dogs and cats the offerings from pet insurance companies are not limited to coverage when the pet suddenly falls ill. There are also a variety of options for routine treatment – such as inoculations, vaccinations and the treatment of common issues such as flea and tick infestations.
The insurance also covers unforeseen issues such as care for animals that have been involved in accidents. The amount paid for pet insurance will vary dependent on the age of the animal and its record of chronic disease. In this way the costs of pet insurance vary in a similar way to the insurance that is available for human beings.
Many companies that provide pet insurance will also structure a pet insurance plan that will cover multiple pets at the same time. Where coverage is required for multiple pets the cost per pet will be lower.
Important considerations when applying for pet insurance include the track record of the insurance company and how comprehensive their insurance offering is – will it coverage all unforeseen illnesses and accidents and perhaps most importantly when do they reimburse the pet owner for any expenses.
The payment cycle has become more and more important in these financially stressed times. Some companies pay only on a monthly cycle, however there are pet insurance companies that pay on two weekly cycles and some will even pay immediately on presentation of the invoice from the vet.
Those seeking out pet insurance should also be aware that many companies offering coverage will only allow for treatment at approved veterinary clinics. Care should be taken to make sure that there are treatment options available within easy reach. In the case of larger animals such as horses it may be possible to find an insurance company that will make a vet available for visits to the animal where it is housed.
The beauty of pet insurance is that it removes the stress of caring for an animal. If you are one of the many people who regards having a pet as an essential contributor to your quality of life then you owe it to yourself and your furry friend to identify a reputable pet insurance company today.