There is no doubt that every pet owner wants to take care of his beloved furry friends in the best way possible. This may include feeding them and having their regular check-ups. It is possible to take care of their health by giving them high-quality organic pet food and playing with them outdoors to make them stay active and fresh. For the right food for pets, you can try any pet shop Dubai and other metropolitan cities are well-known for.
Why invest in a pet insurance plan?
There are certain things that are hard to predict or are beyond our control such as medical illnesses or injuries. Your pet might get a bone fractured or may develop a chronic disease that needs expensive treatments or check-ups. During such crucial times, a pet owner can suffer from mental and emotional stress.
This stress may get elevated if he also has to deal with the financial stress associated with paying heavy medical bills and veterinarian fee. One of the best ways to avoid these stressors associated with raising pets is by having them covered by an effective insurance policy plan that is specially designed for pets.
There is no doubt that veterinary insurance policies for pets, can be tricky and confusing. Insurance providers offer different types of veterinary benefits to pet owners in the form of different packages, or claims processes. In order to pick the best veterinarian policy for your pet, you need to consider the following factors beforehand.
Have your pets covered immediately?
Try to have your pets covered immediately, especially if you own cats or dogs as most of the insurance plans are usually designed for younger pets. Moreover, these veterinarian insurance policies don’t cover any pre-existing health conditions.
Opt for one which covers the most amount of accidents or illnesses
When choosing an insurance policy for your pet, make sure to opt for one which covers the most amount of accidents or illnesses. Although, you cannot foresee if anything bad is going to happen to your pet or not, however, it will help you keep stress-free and financially stable to take care of your pets in the best way possible.
Check for any possible genetic conditions and illnesses in advance
While getting your dog or any other pet insured, make sure to check for any possible genetic conditions and illnesses that your pet can develop in future. A lot of insurance plans only pay for hereditary and congenital diseases. Make sure that your preferred insurance plan covers such medical conditions for your pet.
Regular checkups and veterinarian fee
Many insurance policies cover regular checkups and veterinarian fee along with different diagnosis and medication expenses. Make sure to compare different veterinarian policy plans to make sure you choose the best one for your pet.
Make sure to check for any deductibles. You need to check whether the incident limit needs to be renewed on a yearly basis or not.
Comparing different pet insurance policies
As mentioned earlier, you need to compare various veterinarian insurance policies to make sure you select the best policy for your beloved pet. Some insurance plans only pay for certain injuries and illnesses.
Chronic diseases and pre-existing health conditions
A lot of policies don’t pay for chronic diseases such as diabetes which is becoming very common among pets. Some insurance companies don’t pay for pre-existing health conditions. Such health conditions may be diagnosed later after getting an insurance policy or right before getting the insurance plan.
Accidents and injuries
Accidents and injuries are unpredictable and can’t be prevented in most cases. A good veterinarian policy should cover various emergencies including broken bones, severe cuts, wounds and burns, food poisonings, dental care, etc.
Reoccurring illnesses or infections
Chronic or reoccurring illnesses or infections such as skin allergies, heart ailments and diabetes should be included in the veterinarian policy plan.
Total cost of your veterinarian insurance
The cost of your veterinarian insurance plan usually depends on the breed of your pet and your location. It can cost you anywhere around $15 – $35 a month, based on coverage along with other expenses and benefits.
Premiums and benefits
The city and the area where you live also affect the cost of your insurance plan. If you live in a metropolitan area then the insurance premium can be at least 20 times higher than the price available for people living in small towns and cities.
To sum up
A lot of insurance providers will give you a quote for the premium which needs to be paid on a monthly basis. A lot of companies offer a concession if you agree to pay your premium annually.
You need to select a policy keeping in mind the current health of your pet. For example, if your pet has a weak immune system and is prone to getting skin infections or allergies, then you need to opt for an insurance plan that covers general allergies.