Pets are a great source of joy to their owners and their families, whether it’s as a loyal guardian, enemy of dangerous vermin or just being amusing after a long day at work. Still, a good pet is not the cheapest thing to manage. Even free pets have a great many expenses attached to them. Animal food costs means even a small animal is another mouth to feed, and essentials like collars, leashes and litter boxes are rarely available at a discount. One particular expense every pet owner dreads is veterinary bills. Even healthy animals need periodic check ups, and those aren’t free. With this in mind, some organizations have begun to offer pet insurance, allowing pet owners to pay monthly premiums in order to get compensated when their companions need medical care. Like human insurance plans, it can pay for an animal’s owner to do some pet insurance comparison.
Of particular note is the American Society for the Prevention of Cruelty to Animals and their efforts to help pet owners get insurance for their companions. While the ASPCA does not actually offer insurance, they do work with strategic licensing agreements with insurance companies. The ASPCA does offer free quotes. Factors that can affect the price of your pet’s insurance include their species, their exact breed, their age, their gender, symptoms of medical conditions, previous surgeries, currently used medications and the exact level of coverage an animal needs. Some animals, due to old age or pre-existing conditions, will not qualify for some plans, but most pets will qualify for reasonably priced accident and injury plans that can compensate pet owners for up to ninety percent of the veterinary bill should it be needed. Options are also available to help pet owners pay for preventative care, such as vaccines, parasite medications, annual check ups and dental care. Preventative care options generally have a monthly fee that provide a preset annual benefit amount for your pet’s preventatives care. Insurance companies are generally more generous with these options than they are with regular insurance as preventative care generally means fewer expenses on their part if your pet is healthy already. Overall, pet insurance is costly, but can save money fairly quickly, and even after adding the best preventative care options available, any pet, even elderly pets, can generally get covered for less than fifty dollars per month. There are worse ways to spend your money, after all, then saving money should something bad happen to your companion.
Of course, keeping prices in mind when you do pet insurance comparisons can save you even more money. Some companies offer better deals to pure bred pets and others offer better prices to elderly pets. Some plans have different options and cover different elements of pet healthcare, from annual exams to the heart worm medication that you need to pay for regularly. Our pets do a lot for us, and when we can, we like to reward them, be it with food or affection. But the best way to reward a beloved companion is by taking measures to ensure they live the best, healthiest life you can manage.