If you are a pet owner, it may be wise to invest in pet health insurance. Vet bills can be very expensive, especially if your pet should suffer from a serious injury or illness. Affordable pet insurance is a much better alternative than having to come up with hundreds, or maybe even thousands of dollars to cover veterinarian care for your pet in the event of an unexpected illness or injury.
Unlike the high cost of medical insurance for people, affordable pet insurance is readily available. Although the premiums that pet insurance companies charge vary, you can typically expect to pay the following monthly premiums.
For a cat, the average monthly premiums for pet insurance will run you about $15 – $18; this can vary according to your cat’s age and health.
The cost of pet insurance for dogs is slightly higher than it is for cats, and will vary according to the dog’s breed and age. Pet insurance premiums for dogs will cost you an average of $22 – $28 per month.
As you are shopping for pet insurance, you will quickly find that most of the companies that offer pet insurance generally have different levels of coverage. These various levels cover a variety of health conditions, including intestinal obstructions, cancer, diabetes, and bone fractures.
In addition to the monthly premiums for pet insurance, you can expect some out of pocket expense as well. In many cases the deductible is at least $50, and just like health insurance for people, there is normally a co-payment. This may run you anywhere from 10 – 50 percent.
As a result of the very low monthly premiums for pet insurance, it is readily available to pet lovers with almost any budget, and for just a few dollars more you can get the best pet insurance coverage offered. Pet insurance with premiums that are just a little higher will cover far more conditions than the insurance offered at lower premiums, additionally, the higher premium plans tend to have a higher yearly cap on coverage.
As well as regular pet insurance coverage, for as little as $8 extra a month, some pet insurance plans will even offer additional coverage that includes teeth cleaning, as well as flea and heartworm medication.
Annual exams and prescription medication for pets can get expensive, so paying a little extra each month to have some of these things covered can be a great advantage. With good pet insurance you can relax, knowing that your beloved pet is covered for nearly every illness or injury.
If you would like the already affordable pet insurance to be even more affordable, you will be happy to know that several pet insurance companies do offer anywhere from a 5 to 10 percent discount if you insure more than one pet.
Most people think of their pets as part of the family, and no one wants one of their family members to go without good healthcare coverage; now with affordable pet insurance, your pet doesn’t have to.
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