dog with owner at vet

For many pet owners, and rightly so, the idea of a veterinary emergency is not something readily thought about. We know they happen, but to other pets – but surely not our own, right? 

Unfortunately, even with healthy, young pets, an accident, injury, or sudden illness can happen at any time. In fact, most pets (if not all) will experience something that requires emergency or urgent care in their lifetime.

If you are considering pet insurance, the team at Long Animal Hospital and Emergency Center wants to help you discern the right insurance for your pet’s needs. Here are some important considerations before making the move.

Is Pet Insurance the Right Choice?

There are several factors to consider before buying pet insurance for Fido or Fluffy. We understand that some pet owners may not opt for insurance, and there are reasons why pet insurance may not be for everyone. The good thing about insurance is that, as we all know, accidents and illnesses happen to us and to our fur family members.

Pet insurance gives you the assurance that your pet can be treated, regardless of your current financial status. Although some policies cover preventative care, pet insurance is primarily used when there is a need for surgery, emergency care, in-hospital care, and situations that are over and above normal wellness check-ups.

TBecause of this, pet insurance providers base their premiums off of the likelihood of an accident, injury, or sudden illness or disease that requires more extensive treatments. Pet insurance doesn’t generally cover pre-existing conditions, which is why it’s important to understand exactly what the provider covers and in what situations before opting for the insurance.

Considerations When Choosing an Insurance Provider for Pets

When choosing a provider, consider your pet’s health and needs. Most insurers look at a pet’s age, size, breed, health and wellness background, whether they are on medications or treatments, and so on to determine a premium.

As you gather information about possible pet insurance, here are some suggestions to help you pair down your requirements.

  1. Compare at least 3 different providers. Check out the differences in monthly premiums, plans, co-pays, and other pertinent factors to get the best match for your specific pet and financial commitment.
  2. Review their reputation. Read reviews from other customers and look for how reliable the company is in pay-outs. Have they been in business long? Do you know anyone who uses that service you can speak with? Research into their dependability and brand reputation.
  3. Don’t forget to read the fine print. Make sure that whatever it is you need in a pet insurer is provided in your policy. Look for any exclusions in the policy that can affect coverage. Ask a lot of questions to unearth any hidden fees or exceptions that can help make an informed decision about your pet’s coverage needs.
  4. Know your pet’s susceptibility to disease. Get an understanding of what problems may occur more often in specific breeds. Discuss what you may expect with your dog or cat based on their current health status and other important factors with your veterinarian. 
  5. Select the coverage that works best for you and your pet. Consider factors such as: how they reimburse for expenses, monthly or annual premiums and costs, medication coverage, deductibles, and so on. 

Remember that the best approach to getting the most out of pet insurance is to start your pet’s insurance when they are young and healthy. This will allow you to benefit from the premiums and recoup your overall expenses. 

At any point in a pet’s life, pet insurance may be the best choice. 
At Long Animal Hospital, we accept Embrace pet insurance plans and have had good results for our pet families. If you have any questions at all about pet  insurance, or would like to schedule an appointment, please do not hesitate to contact us.