Pet insurance

 Pet insurance
 

 
For many Canadians, pets are a family they are privileged to choose. They are an integral part of our daily life. And they represent a surprising and documented source of health benefits: owning a pet would lower the risk of depression, blood pressure and increase serotonin and dopamine levels (which ensure calm and relaxation), as well as those of triglyceride and cholesterol (indicators of heart disease). They provide love and companionship, but sometimes they get sick.

We hope then to be able to provide them with the treatments they need to live long and healthy lives. Yet some pet owners find themselves having to make difficult decisions as the cost of medical care exceeds their ability to pay. The use of planning and pet insurance can help in this case.

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Do i need pet insurance?

The answer to this question depends on the owner and many factors such as the owner's willingness to pay the premium for such insurance. Some owners would pay all they can for their pets and therefore appreciate having a warranty in place. Others are much more reluctant to take out insurance. In either case, the decision of whether or not to purchase pet insurance is both emotional and economical and depends on the balance between the owner's desire for peace and his willingness or ability to pay warranty. .

In some cases, owners may be forced to euthanize their dogs and cannot afford the treatment. To avoid this problem, pet insurance gives owners a way to budget for urgent pet health concerns by paying a monthly premium.

Pet insurance compared to personal savings

Many pet owners believe that personal savings are a good way to replace pet insurance. Of course, it's a good thing to save. But the purpose of pet insurance, or insurance in general, is to help cover expenses that homeowners would have difficulty paying, not to replace personal savings.

When it comes to savings, there is also a need for discipline to ensure that funds are available when the time is right. Personal savings are often used for other purposes and are therefore no longer available when the animal needs care. In other cases, the intention to contribute to savings plans does not provide access to real savings. Even if you are in a savings plan, if your pet has a medical emergency within two months of starting your payments, you will clearly have a problem paying for the immediately needed treatment.

Remember, most pet insurance policies require you to submit a claim and wait for it to be assessed before you are reimbursed. Direct payment of bills by insurance companies is not accepted by some veterinarians. In this case, be aware that you must wait for your complaint to be processed. This example clearly shows that saving for emergencies can be important in meeting the time needed to pay off a claim. In an ideal situation, a pet owner would have personal savings in the event of an emergency and purchase an adequate amount of pet insurance.

The ever increasing cost of treatments

The cost of the most common veterinary exams has never been higher and continues to increase over time.

Specialized examinations such as cardiology, neurology, ophthalmology, oncology, anesthesiology, dentistry and radiology can also be or even more expensive. It's really very common for pet owners to worry about their ability to pay for veterinary services when they should be worrying more about their pet's health.

Pet insurance options

Pet insurance is not the same for everyone. Insurance companies usually offer you many choices of warranty programs and options.