Insure your pet in the event they get sick and need your help.
The joys of life!
We open our eyes in the morning, to see a small face peering over the blankets, eyes sparkling with joy. Our pets awaken us with excitement, realizing that we are home for the day! 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. Sometimes they seem human. Our big fella chides us when we leave home. A jingle of keys and he wakes from sound sleep to scold us and demand, “Take me with you!”
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.
Pet owners who are asking themselves the question, ‘Should I get pet insurance?’ will want to be informed about the subject of pet insurance. What is it? You may not be aware that pet insurance is not typical health insurance but is actually considered a form of property insurance, yet it works much like regular health insurance. There is coverage available for the usual costs such as vaccinations, wellness checks, and also for major illnesses such as diabetes, cancer, accidents and more.
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.
Pet Ownership is a Commitment
All of this talk of health care and pet ownership costs can be daunting. It is true that responsible pet ownership is a commitment. Not only should you consider whether to get pet insurance, it is important to consider all of the responsibilities of owning a pet. There is a lot of great information on responsible pet ownership at the Animal Care Services site in San Antonio, which offers a responsible pet ownership class, as well as other great resources to pet owners.
Follow a link here to city ordinances that apply to pets in San Antonio, including microchip, vaccinations and more. Some of these ownership costs are covered by affordable pet insurance. Or, if you are looking for a way to adopt a dog or cat in San Antonio, try this link to the Humane Society of San Antonio or seek out one of the local shelters.
It is true that caring for our pets can be an expense at times, but they are worth it! It is a joy to see the loving eyes and cheerful nature of a happy and healthy pet. It is a good idea to get pet insurance, to cover the usual and unexpected costs of caring for the health of your pet. As an inseparable part of our lives, we treasure them, and they give us much love and laughter in return.