Vet Care Doesn't Have to Break the Bank; Pet Insurance

Sad cat needs pet insurance

Thanks to Pet Insurance, Vet Care Doesn't Have to Break the Bank

Unexpected veterinary bills can quickly drain your bank account or emergency fund. Since you never know when disaster will strike, pet insurance helps you ensure that your companion receives the care it needs without straining your finances.

Why Pet Insurance Is a Good Idea

Your pet may be healthy now, but what about next month or next year? Illnesses, infections, and injuries happen without warning and can be costly to treat. If you don't have pet insurance, you may need to use funds earmarked for household expenses or rely on credit cards to pay veterinary bills. When you have pet insurance, your budget won't take a hit due to an unexpected bill.

Pet insurance also offers peace of mind. When you know your pet's health care needs are covered by insurance, you won't have to make a difficult decision about whether you can afford a particular treatment or procedure.

Veterinary care can be expensive, particularly if your pet is injured or has a complicated condition or illness. Even a seemingly minor problem like a stomach issue can be more expensive than you expected. According to the Healthy Paws' Pet Insurance 2019 Cost of Pet Healthcare Report, treatment of a stomach problem could cost as much as $29,000, depending on the treatment. Stomach problems were the top reason both dogs and cats visited the veterinarian based on the report's findings.

During your pet's treatment, the veterinarian may need to analyze your furry friend's blood, take X-rays or ultrasounds, perform endoscopies or surgery, or prescribe medication. Your bill increases with each test, procedure, or medication your pet needs.

Although treatment of a stomach issue could cost tens of thousands of dollars in an extreme case, most pet owners will only pay a few thousand dollars. Of course, a $2,000 bill may easily derail your budget if you don't have pet insurance.

What to Look for When Buying Pet Insurance

When you're comparing pet insurance plans, take a look at:

  • Coverage. Does the plan cover well visits in addition to accidents and illnesses? If well visit coverage is available, will you need to pay more for it? Does the policy list specific conditions and injuries that will be covered, such as cancer, parasites, broken bones, ingestion of foreign objects, etc.? Does it cover routine vaccines?
  • Exclusions. Are certain conditions excluded from the coverage? What about chronic and long-term diseases and conditions? Will the policy cover care for your pet's diabetes or hip dysplasia? In some cases, insurers may cover new illnesses and injuries, but might exclude pre-existing illnesses or chronic conditions.
  • Reimbursements. Most pet insurance plans reimburse you after you pay veterinary bills. You'll need to pay the veterinarian with cash, check, or a credit card, then wait to be reimbursed. Ask the company how long it takes to provide reimbursements and what percentage of your costs will be covered by the plan.
  • Premiums and Other Charges. How much will you pay for the coverage? Are there co-pays and deductibles? Will the premiums go up every year? Will you pay more as your pet gets older? How often are premium payments due?
  • Breed Coverage. Does the insurer cover your pet's breed? If the breed is known to have many health risks, the insurer may choose to decline coverage or not offer coverage for specific conditions.
  • Veterinarians. Can you use the insurance at any veterinary office you want? What if your pet needs to see an emergency veterinarian? Will the policy cover emergency visits to other veterinarians or trips to veterinary specialists?

If you're having trouble deciding between two plans, check out Money's list of 10 best pet insurance companies or call the veterinary office. The staff may be able to offer information about companies that offer the best coverage or promptly reimburse their clients for expenses. Contact our office if you have any questions about pet insurance or your pet's health.

Sources:

AVMA: Do You Need Pet Insurance?

Money: 10 Best Pet Insurance Companies of July 2022, 7/7/2022

Healthy Paws Pet Insurance 2019 Cost of Pet Healthcare Report

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Testimonials

Read What Our Clients Say

  • ""I absolutely love Bellalago Vet. I have taken all three of my cats there and have not had any problem. They are very accommodating with their appointments and get back to me within 24 hours if I have any concerns or questions. Excellent Vet and Hospital.""
    Amanda N.
  • ""Caring and affordable healthcare. Great with dogs and my cats. Fair prices and knowledgeable vet and staff. Goes the extra mile when they are sick.""
    Dawnita B.
  • ""Absolute gems at this hospital. They love your pet just like it's their own. A little on the pricey side but definitely worth it.""
    Natalie L.
  • ""I have to say that this team is absolutely outstanding! Honestly, please know that you all do an amazing job at what you do and your care, compassion and help towards the animal community is truly inspiring. I happen to know Jim has been amazing to me on multiple occasions. Please know that all the work that you do is truly meaningful and appreciated by very many people. You guys are ROCKSTARS!!!""
    Maria P.
  • ""Their the best veterinarian in this area ,and their like a family ,they treat your fur babies like if they are theirs and they have great prices""
    Evelyn C.
  • ""Whatever animal you bring to this Veterinary I'll tell you this they are in safe hands these people are wonderful the staff the doctor very respectful and very understanding explain everything to you in detail I cannot imagine bringing my dog and a place house well worth the trip wherever you're coming from.""
    Luis P.
  • ""Thank you so much for everything you do. We love and trust you with both of our fur babies. Lilo is especially familiar and enjoys going on rides to visit you guys which is a testament to how well you treat her. Thank you guys!!""
    Ronnie H.
  • ""Your veterinary hospital is, hands down, the very BEST animal hospital I’ve ever encountered.
    In all of these years, in all of these places of residence, I have never found and used the services of a veterinary clinic or hospital quite like Bellalago Veterinary Hospital.""
    Linda R.
  • "We have been going to Bellalago Veterinary Hospital for 2 years now. They simply are the best! Dr. Young and staff, are all very caring and knowledgeable. I love the wellness packages that they offer, too."
    Jennifer B.
  • "This Veterinary hospital treated my dog Sofia great. Love the customer service from when we walked in until we walked out, we were treated very well. You can tell that everyone from the receptionist to the nurses love their jobs. The doctors were also great explained everything to us and even called us after my dog had surgery to let us know how she did. I will keep taking my dogs here."
    Yamaris R.