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Why Do You Need Pet Insurance?
We love our pets. The simple enjoyment of their company is such a reward that according to the CDC, most households in the United States have at least one pet. However, there is more to gain from owning a pet than cuddling on the couch.
Studies show that pet owners enjoy health benefits such as decreased blood pressure, alleviation of stress and loneliness, increased physical activity, exercise and more. These very important benefits can be had simply by living with your pet.
From the day our dog or cat travels home with us for the first time, they observe and learn all about us. As the months and years go by, our pets develop a symbiosis with us, and they learn our patterns of life, as they become an inseparable part of our lives.
Factors for Affordable Pet Insurance
Trips to the veterinarian become a part of this routine. Unfortunately, veterinary costs are on the rise. Due to the rise of costs, affordable pet insurance has become an increasingly popular aid in maintaining the health of our pets. If you decide to get pet insurance, you will need to choose between varied premiums, types of coverage and deductibles. There are many reasons for this.
Premiums can vary based on the amount of total coverage available per year for the care of your pet. The deductible amount you will pay per visit or per year will also affect premiums. Costs can vary due to the kind of pet as well as the size and breed of your dog or cat. There is pet insurance for rabbits, turtles and the like. You may choose insurance to cover all medical costs and routine procedures, or you may want coverage only for major medical procedures such as surgery, emergency care and end of life care.
Why Get Pet Insurance?
But, you may ask, is pet insurance worth it for my pet? Should I get pet insurance? To answer that, let’s look at some of the veterinary costs in San Antonio. Your new puppy or kitten is in store for a vet visit soon after you bring him or her home. All pets must be vaccinated against rabies by the age of 4 months and must be vaccinated annually. In addition, all pets in San Antonio must have a registered microchip.
For more information on local requirements, see the animal ordinances of the city of San Antonio. As our fun loving and active puppy or kitten grows, there will be occasional ear infections, scratches, and other issues. Then there are the episodes of unknown cause that require a visit “just to be sure.” Our little buddy took an unexplained faint in the backyard this summer that earned him a trip straight to the emergency vet. He was unscathed, but our pocketbook was not. These events are another good reason to get pet insurance.
Major medical events cost even more. Surgery, if required, can be very expensive, as can long-term health problems such as skin ailments or diabetes, and end of life costs. In addition, according to the Washington Post, a study by the Bureau of Labor Statistics’ Consumer Expenditure Survey showed that costs rose about 60 percent for pet health care between 1996 and 2012, and they are continuing to rise in 2017. You see, according to The Post, we increasingly see our pets as family members and we want to treat their health accordingly. Is pet insurance worth it for these people? Increasingly, the answer is ‘yes.’
Affordable Pet Insurance is Available.
Additionally, pet insurance can be structured to meet your family’s requirements. A pet owner can get pet insurance which covers most medical costs. Insurance which covers only major medical costs, like surgery or accidents, is also available. You can also manage your monthly premiums by choosing your deductible amount. The higher your deductible, the lower your costs will be. Choosing the right affordable pet insurance will ensure that your pet will have the best coverage you can give him. Certainly, the right coverage is pet insurance worth it many times over.
You might ask,“Should I get pet insurance, what might my premiums be?” A quick call to your local Vos insurance agent will provide you with all of the information you need to know. Then it is up to you to make a decision.