March 26, 2014

Do You Need Pet Insurance?

Author: Celeste Glassman


Pet Insurance. What Are The Benefits?

While pet insurance is talked about more than ever these days, the idea only came into being as recently as the 1980’s. Now, 30 years later there are over 10 pet insurance groups currently offering policies for pets across our service area from Oak Park to Carol Stream and from La Grange to Bolingbrook. So, what has caused the surge in popularity and do you need a policy for your pet?

Advancements in technology, medicine, and treatment options in the veterinary field have expanded which equates to higher out-of-pocket expenses, making pet insurance more popular. As professional pet sitters, we know pet parents will do anything possible to make sure that their furry family members are happy and healthy. However, hard decisions regarding our pets health become even more difficult when money stands in the way.  Some pets require a few more trips to the vet each year than others. Whether they suffer from allergies, chronic ear infections, or the unexpected accident, pet insurance can help to alleviate the difficult decisions between the care of your pet and finances.

If you think an insurance policy would benefit you and your pet, consider these questions when researching pet insurance groups:

  1. What is your budget and desired coverage?
  2. What is covered? Are there restrictions on hereditary, congenital, or pre-existing conditions? Some policies may not cover senior pets, medications or hospital stays.
  3. What is the deductible and percentage of reimbursement? Some policies may have restrictions on payouts.
  4. Can your pet visit any veterinarian?

There are many benefits to having pet insurance. Reading reviews of the carriers, talking to individuals who currently have insurance, and reviewing insurance companies’ literature are great starting points in your research. If you are considering taking out a policy through a pet insurance company for your Floofin, take the time to do your due diligence and make sure the company is the right fit for you and your pet.

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