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Buying pet health insurance is not only a means of helping your pet get proper medical treatment for serious illness or injury, but also a way to protect yourself financially. The steep costs of veterinary procedures often come at a time when you're emotionally vulnerable due to a pet's illness; at times like these, you're most likely to spend more than you can afford.
Considering the Benefits for Pet Insurance
Until recently, buying pet insurance was considered a luxury. However, with more empty-nesters and childless couples adopting pets, the status of the family pet has been elevated greatly. Factor in that procedures and technologies that were previously unheard of or only for humans are now available for your pet, and the increase in pet health spending begins to make sense.
A few of the procedures and exams available to pet owners today include:
- Radiation therapy
- Kidney transplants
A few short years ago, a pet requiring a kidney transplant wouldn't have the option. However, the availability of this surgery may cause pet owners to go into debt rather than risk losing the family pet. Having pet medical insurance makes a lot of sense in this instance; having a pet insurance plan can reduce financial risk while allowing the pet to still get potentially life-saving treatments.
Choosing Pet Insurance
Pet insurance is growing in popularity, so with a little research you should be able to find everything from cheap pet insurance that covers the basics to VIP pet insurance with coverage against any eventuality including hereditary conditions. Costs go up with the type of pet, its age and how comprehensive the coverage is. Make sure you compare plans and choose one that makes sense for you and your budget.
Maintaining Pet Health
While there is a case to be made for purchasing vet pet insurance, taking care of your pet's basic health needs can greatly reduce the need for medical interventions down the road. Crucial factors to your pet's health include:
- Buying quality pet food
- Keeping pets indoors
- Giving pets plenty of exercise
- Keeping food portions under control
Removing every element of risk is impossible, but following the above steps will give your pet a healthy foundation that will greatly increase its quality of life. It's up to you to determine whether additional pet insurance is a good investment based on your particular animal and its needs.