What Happens to Your Dog or Cat Can Affect You the Rest of Your Life

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When Maryann adopted her beagle Roscoe, she thought that she could enjoy the dog’s company for at least ten years. However, she was wrong in her assumption as Roscoe fell ill about a year after the adoption. Maryann was heartsick when the vet said that Roscoe needed an operation. However, Maryann simply could not afford the cost. Therefore, Roscoe passed away quietly soon after the diagnosis.

Maryann could never adopt another dog after the incident. She felt remorseful and sad and had to seek help from a professional counsellor. Had she purchased pet insurance, she could have paid for Roscoe’s surgery and would not have felt so guilty. However, at the time she adopted Roscoe, she thought that this type of cover was unnecessary.

Be Realistic

Whilst Maryann assumed the best when she adopted her dog, she still needed to be realistic. Even the happiest and seemingly healthiest pet can get sick or get hit by a car. That is why ensuring your pet’s quality of life should be made a priority. You can buy pet cover that will provide full protection in case your dog or cat gets sick or has an unexpected accident. Full protection extends to routine care as well. That way, you can take care of any health concerns without difficulty.

Choosing an Excess

When picking out a pet plan for insurance, you can choose from accident cover, comprehensive cover (which covers accidental injuries and sicknesses), and major medical cover (which covers accidents, sicknesses, and routine care). The annual benefit limit on the full protection is typically just over $15,000 per year. The plan normally covers about 80% of the vet bill and you can choose an excess of $0, $100, or $200 per year.

The excess covers the amount that you can afford to pay up front in case your pet becomes sick or gets involved in an accident. A higher excess lowers the amount of the monthly premium. If you do not feel that you can afford to pay $200 out of pocket, you should choose $0 excess even if your premium rate is higher.

What All the Policies Cover

All the plans you choose will cover after-hours emergency visits to the vet as well as specialist care. All the policies also cover the following:

• Diagnostic and lab tests
• Hospitalisation
• Radiology or x-rays
• Prescription drugs
• Surgery

If you need to board your pet overnight after an illness or accident, all the plans will protect your pet. The insurance company will pay up to $20 per day for boarding a pet. If your pet is hospitalised over five days, cover extends to $500, $1000, or $1200 annually, depending on the policy.

Make sure that you take out insurance for your pet. If you want to avoid a bad experience that could have been prevented, take out pet cover now.