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!

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...

What to Do When You Find Hurt, Injured, or Lost Wild Animals

As winter ends and spring begins, it will be time for many of us to get back to hiking, kayaking, camping, and gardening. As we do this, we will come into contact with wildlife. This blog will cover a few tips on finding wildlife and what to do when you do so. What...

Resource Topics

4DX: The Four-Way Test That Saves Canine Lives

Preventive care is all about keeping your pet happy and healthy, and one of the most important tests for dogs is...

Three of the Most Dangerous—And Most Common!—Household Toxicities For Pets

Pets love to get into things they shouldn’t. Home medications, sweets, or even household plants can be irresistible to...
Comments Box SVG iconsUsed for the like, share, comment, and reaction icons
1 day ago
VETSS

... See MoreSee Less

4 days ago
VETSS

Get ready for cuteness overload! It’s Domino the miniature bernadoodle! He was so eager to say hello that it made for an entertaining photo shoot. Enjoy! #vetss #cutepuppies #firstvetvisit ... See MoreSee Less

Get ready for cuteness overload! It’s Domino the miniature bernadoodle! He was so eager to say hello that it made for an entertaining photo shoot. Enjoy! #vetss #cutepuppies #firstvetvisitImage attachment
6 days ago
VETSS

We're in the thick of it -- mosquito season! It's easy to forget that these little critters transmit heartworm disease and could infect your pet year round. Nothing like the summer months to remind us that mosquitos are not outdoor only pests - your pet is at risk of contracting heartworm disease now as much as ever. Keep your pets protected - don't miss a dose of monthly prevention.

Want to learn m ore about heartworm disease and how to protect your pet? Look no further! www.heartwormsociety.org/pet-owner-resources/heartworm-basics

When was the last time your pet received their heartworm prevention? Call us today for a refill or to schedule their annual heartworm test.

#WellnessWednesday #heartwormdiseaseprevention #americanheartwormsociety #VETss #protectyourpets #heartwormawareness
... See MoreSee Less

Were in the thick of it -- mosquito season!  Its easy to forget that these little critters transmit heartworm disease and could infect your pet year round. Nothing like the summer months to remind us that mosquitos are not outdoor only pests - your pet is at risk of contracting heartworm disease now as much as ever.  Keep your pets protected - dont miss a dose of monthly prevention.  Want to learn m ore about heartworm disease and how to protect your pet? Look no further! https://www.heartwormsociety.org/pet-owner-resources/heartworm-basics  When was the last time your pet received their heartworm prevention? Call us today for a refill or to schedule their annual heartworm test.  #Wellnesswednesday #heartwormdiseaseprevention #americanheartwormsociety #VETSS #protectyourpets #heartwormawareness
Load more