With Rising Veterinary costs, is Pet Insurance Right For You?

Apr 21, 2017 | Emergency Situations, Uncategorized

Even the best pet-parents can’t prevent every illness or accident. And many people are not prepared for the high cost of veterinary care required to save their animals. This is why every pet owner should consider pet insurance.

If your dog or cat has a medical emergency or develops a critical illness such as cancer, your bill could quickly hit the thousands of dollars. Options such as saving ahead of time, credit cards, or care credit can help to defray the cost, but are not available options for everyone. More and more of my clients are looking to pet insurance as a viable option.

What is pet insurance? True pet insurance is provided by a third-party and can be used either at any vet or one within a participating network of providers. Like human health insurance plans, there may be a deductible, co-payments and exclusions. Premiums typically vary depending on your pet’s species, breed and age, and whether you buy comprehensive or catastrophic coverage. This works just like your human medical insurance. However, pet insurance based on a 2012 estimate, usually runs about $30 a month per pet. Over ten years time this is around $3600 dollars per pet.

As an emergency veterinarian, I see many cases that require advanced care in the first few days that easily approach thousands of dollars. My own Akita has suffered from hemorrhagic gastroenteritis which was one thousand dollar stay at the vet. She then tore her cranial cruciate ligament which required a surgery performed by a board certified surgeon to correct. With those two events alone, her pet insurance would have paid for itself.

When considering pet insurance, there are important questions to ask the provider. Pre-existing conditions, coverage for accidents, and how are the claims handled. Is there a co-pay per visit? Research different companies to see which one meets your needs.

Every family’s situation is different. Pet insurance is not right for everyone. In my opinion, it can help to ensure that your pet receives the best possible care available. It is worth serious consideration in our era of rising health care crosses.

For more information, contact our team at VETSS, a Charlottesville VA urgent care animal hospital!

Planning for your Pet when Traveling

As the COVID-19 pandemic restrictions wind down and things open up, many people are taking trips again. During the pandemic there was an explosion of pet ownership. Now you may be wondering what to do with your beloved pet or how best to transport them safely. This...

A Summer Guide to Heat Stress and Heat Stroke for Dog Owners

As we get into summer and the temperature rises, it’s important to be aware of how the heat affects your pup. Please read below to recognize the signs of heat stress and know when you should seek veterinary care for your pet. I’m comfortable outside. Why is my dog so...

A Caring Guide to Planning for the Loss of Your Pet

Having pets is one of the most rewarding relationships a person can have. They provide us with humor, love, and lots of snuggles. With all pet families, however, there comes a time when we must say goodbye. Preparing to Say Goodbye to Your Pet For some, this comes...

One Shot. Four Viruses. Protect Your Dog With the DAPP Vaccine

New dog owners are often full of questions: Why does my dog chew this? Why did it eat that? One of the most important questions is, “Why does Lucky need all these vaccines?” Simply put, puppies are very vulnerable to diseases. Which is why it is pretty amazing that...

Resource Topics

Kidney Failure: the Hows, Whys, and the Treatments

Just like us, our pet’s kidneys perform vital functions. They remove toxic wastes the body, help conserve water,...

VETSS Provides Non-Emergency Care For All Animals!

VETTS is Charlottesville’s only 24-hour emergency veterinary hospital—That will never change. What has changed is, we...
Comments Box SVG iconsUsed for the like, share, comment, and reaction icons
2 days ago
VETSS

VETSS will be closed for team training from 12 to 1:30PM. Please leave a message during this time and we will call you back! ... See MoreSee Less

4 weeks ago
VETSS

VETSS will be closed from 12 to 1:30 PM for staff training and development. Please plan your prescription pick ups accordingly and if you call the office during those hours, please feel free to leave a message and we will return your call once we reopen! ... See MoreSee Less

VETSS will be closed from 12 to 1:30 PM for staff training and development. Please plan your prescription pick ups accordingly and if you call the office during those hours, please feel free to leave a message and we will return your call once we reopen!
4 weeks ago
VETSS

Come join us for a day of fun!Thank you to VETSS for being a Supporting Pup Sponsor for our 11th Annual bow-WOW-walk! Your dedicated service to Charlottesville area pets and their families is incredible and we are so grateful for your generosity. Thank you, VETSS! 🐶🌟

If you're interested in becoming a sponsor for this year's event, please check out our bow-WOW-walk website at runsignup.com/Race/VA/Charlottesville/bowWOWwalk!
... See MoreSee Less

Come join us for a day of fun!
Load more