If you are a pet owner or thinking about purchasing your first pet then you are probably already thinking about how expensive it can be to care for your pet. Many people see a cute little puppy sitting in the store and their hearts just melt. Unfortunately many don’t realize how expensive it can be to care for a pet.
If you take the time to think about it pets can get just as sick as humans. They can catch colds, and even diseases that can require large amounts of money to treat. This would all be in addition to their usual vaccinations and annual exams. If your dog suddenly becomes ill it really can take thousands of dollars to care for them. Another dilemma that many pet owners seem to face is the rising cost of their basic exams and vaccinations. It seems like each year it gets more and more expensive to care for your dog. These are all of the reasons that any pet insurance company will probably tell you in order to try and convince you that you need some type of pet insurance. Some people may feel that this is a good idea, but these insurance plans sometimes have a down side.
If you take the time to read the fine print on most of these pet insurance plans you will see that many of them do not guarantee that they will cover your pet’s medical expenses. The other down side is that with all of the pet insurance pet policies you have to first pay all of the bills then send all of the receipts to the insurance company. Then there is a waiting period of a week or in some cases several weeks before you find out if they are actually going to reimburse you for your expenses. It is also very important that you make sure that your dog’s particular illness is not excluded for coverage. This is not to say that there is anything wrong with getting pet insurance, since they do say they will cover up to eighty percent of expenses. I highly recommend that you don your homework on any company that you are considering buying insurance from. You should also make sure that you take the time to read the fine print. In some cases certain breeds are excluded from certain types of coverage. So when it comes to answering the question of whether or not pet insurance is really worth the money that you pay, only you can decide that. If your pet never gets sick or injured in an accident then it could seem like a waste of money to have paid for all of this insurance coverage. However in the rare instance that your pet actually does get sick, then you could be stuck paying a lot of money.