Why Have Pet Insurance?
A lot of us have cats and dogs at home who we consider a part of
the family. You and your family have health insurance; life
insurance; probably income protection and trauma insurance. You
insure your car, your home and its contents as well as your
personal valuables. So why wouldn't you insure your pet, a
well-loved member of your family?
We haven't even started on medical costs.
What makes you think animals don't get ill or meet with
accidents just like humans? If they do suffer an accident or get
ill there is no medicare for your pet to help meet the costs of vet
bills. A fracture can cost around $1500 and major reconstruction
could go as high as $5000, plus rehabilitation if required.
If your pet is off colour and you don't know what's wrong, the
only thing to do is take it to the vet. That visit will cost around
$75, plus any medications the vet may recommend. Say your pet has a
fairly simple condition like a sticky eye, this has to involve a
vet visit as it will probably need an antibiotic eye ointment. On
and on it goes and you'll find that over the year it soon mounts
What does Pet Insurance Cover?
Insurance can cover a portion of your vet bills arising from
Accidents or Illness (you can elect the percentage and types of
costs you want covered through the policy you choose).
Premiums vary according to what you need for your pet, its age
and also the breed. Check what pet insurance is on offer from
various insurers to make sure you get the most appropriate and best
This is why every pet owner should consider and compare pet
insurance policies. Check what they cost and what cover you get.
Insuring your pet against illness and accident will pay you in the
long run. Because pets live in the same world as you do and
experience many of the same risks.
When we first get a pet we're so excited and don't often
think about the costs.
You can also add optional Routine Cover to your pet insurnace.
You'll probably have to spend approximately $300 - $400 a year
just on the routine veterinary visits.
Routine Care cover can make the following services more
- Heart-worm preventative medicines
- Flea & Tick mediciations
- Dental treatments
- Obedience training
A lot of vets recommend you take out pet cover as a safeguard against unexpected
expenses. They know how high medical costs can be.