If you have got yourself insured, why shouldn’t your dog? By the looks of it, it seems inevitable that one has pet insurance. However, insurance companies have become very smart in this regard. They twist and turn the terms and conditions of your policy in such a manner that by the looks of it you might feel that the policy is a win win situation for you. However, once you start using the policy you will realize that rather than benefiting you, it has rather become a problem for you. Lets us have a look at some pros and cons of buying pet insurances;
- Capable to afford expensive treatments: Like most human beings, pets are prone to illness too. And likewise, their expenses are huge too. Surgeries, drug therapies, and regular veterinarian visits can add up to immense costs that are to be bared by the people themselves. However, with pet insurances, it becomes incredibly convenient as insurance companies compensate majority of the costs. Make sure you take your pets for regular checkups and cover up vet bills with pet insurance.
- Option to customize your insurance policy: One of the main advantage of getting a pet insurance is that people have the opportunity to modify the policies according to their preferences. There are a number of different policies that are presented to you and you have the right to decide which policy suits best for you. Since you are the best judge of yourself, you can easily decide which of the policies will be ideal for you and what should the insurance cover.
- Option to choose the vet of your choice: This is arguably the best advantage of getting a pet insurance. Often people have to look for normal vets since they cost too much and their pockets won’t allow much. However, with pet insurances, people can go to the vet of their choice and get their pets treated. Insurance companies might not cover all of the veterinarian bills but they will certainly minimize the cost to a certain extent.
- Not all of your veterinary costs are covered: Some people have this slight misconception that insurances cover all the costs associated to pet care, be it illness or regular vet visit. While some insurance policies do offer this, it is not true for all. Majority of the insurance policies cover only a portion of the pet costs that include unforeseen injuries, illnesses, etc. Similarly, if a pet has some injuries or illness from recent times, the insurance companies are not liable to cover that costs too.
- There can be huge upfront expenditures: While most people believe that once they’ve paid for the insurance, they are free, it is not true. In the longer run, they are bound to pay some huge expenditures that can become difficult for them to handle. In addition to this, people need to understand that the insurance policies only cover a portion of the veterinary bills. The rest of which are to be bared by the insurance holder. It is said that pet bills might actually be more than the human bills.
To read more on topics like this, check out the lifestyle category.