As our pets become more and more valued and adored members of our families, a whole new world of questions and concerns face us as pet owners.
Gone are the days (hopefully forever) when society viewed pets as disposable. We have moved past “cats don’t feel pain like we do” or “he’s just a dog” to pets sleeping in our beds, joining us on vacation, and having their own sets of dishes. Millions of dollars are spent every year on specially scented bathing products, haircuts, toys, clothes and edible goodies. Dog bakeries wave their flags proudly and cat boarding facilities boast private rooms with windows and views of bird feeders.
The question remains: How much of your “pet available dollars” are spent on his/her basic necessities of health and wellness?
We take our children for vaccines and boosters. We insist on yearly check-ups with our MDs and go every 6 months to the dentist. We choose jobs that offer us health insurance for ourselves, our spouses and our children. We pay premiums every month from our pay cheques to make sure we can afford glasses, prescriptions, massage, orthotics and much, much more in our quest for health. What about Fluffy? What about Fido?
There are many misunderstandings and much misinformation about pet health insurance.
“They won’t insure my old pet”, “They won’t cover anything I need”, “The monthly premiums are outside my budget”, “I don’t need insurance because he is young and/or healthy”. None of these “reasons” would stand up if we were considering our own medical well-being or that of our children or spouses.
Here are some of the facts we want you to know:
Pet Insurance saves lives. When our clients are faced with the cost of diagnostics and treatment for accidents like broken legs or motor vehicle hits, or for disease conditions like feline urinary tract disease, diabetes, kidney disease, or chronic ear or eye problems they are often forced to take money from rent, groceries or other bills to meet the expense of providing care for their pet. Sometimes pet owners are forced to decide to euthanize their beloved pet because treatment costs are outside their budget.
Pet Insurance has many options. You can choose how much you want to spend per month, what you can afford as a deductible and how much coverage you want to fit in your budget.
Pet insurance covers all pets. You can enrol any pet at any age with a physical exam by your veterinarian. Only illnesses that pre-date the insurance will not be covered. Just like in human insurance.
Claims are easy. Whether you have your veterinarian fax in your claim forms or you set up to have your vet paid automatically through your insurance company, payments are typically received within days, not weeks.