Advantages of Getting Insurance for Your Pets
You probably want your four-legged companion to live a long, happy, and healthy life. But, unfortunately, you’ll never know when your pet might need a trip to the veterinarian. Whether it’s to treat an injury or receive a diagnosis for your animal’s strange behavior, you’ll want to sign-up for pet insurance long before a trip is necessary.
Even if your pet never gets sick, it’s not uncommon for dogs and cats to eat something they shouldn’t. Sooner or later, they’ll need a checkup, and veterinary treatments can cost a significant amount of money. Since most vets use similar technologies as doctors, without insurance, pet parents may find themselves paying hundreds of dollars out of pocket for just routine checkups. And if your pet has a medical emergency, the vet bill can quickly skyrocket into the thousands!
Pet insurance not only works to control those costs and keep them relatively low, but it also allows for better quality treatment. Your vet will be able to provide timelier service to your pet and give them the care they deserve.
How Does Your Pet Insurance Work?
Most insurance groups consider pets more as property than living beings. While this seems harsh, it does work out in your favor. Because of this designation, pet insurance plan premiums are relatively low. The cost can vary depending on several factors, but, on average, the three coverage packages are:
● Wellness = $20 - $25 per month
● Accidents Only = Cat insurance ($11) and dog insurance ($16) per month
● Accidents and Illnesses = Cat insurance ($29) and dog insurance ($49) per month
Along with the premium, you’ll have to pay a deductible (which can range from $0 - $1,000). You may also have to pay a co-pay, ranging from 20% to 30% of the deductible. One crucial difference pet insurance has from human insurance is that you’ll have to provide the money for treatment at the time of service. Your insurance policy will then reimburse you for the cost of the procedure.
Additionally, most pet insurance plans don’t cover pre-existing conditions, and coverage is subject to restriction based on symptoms your pet has displayed in the past. Make sure you’re clear on what constitutes a pre-existing condition before choosing their policy.
Choose the Right Pet Insurance with the Help of the Professionals!
A monthly cost for something your pet might not need in the long run may seem like unnecessary spending, but our animals are worth the expense. There are many differences between various companies’ pet insurance policies, and it can be hard to pick the one that best suits the needs of you and your pet.
However, if you’re a pet owner looking for quality pet insurance in Dallas, TX, then look no further than Thumann Agency, Inc. We provide comprehensive coverage that ensures long-term pet health and peace of mind.
For a free quote on the insurance plans that we can offer you, call Thumann Agency, Inc at 972-991-9100 today!