Good pet health care is essential to all pet owners, however, if your pet rarely gets ill or has never had an accident it might be tempting to cut out pet insurance altogether. So how important is it really to insure your pet?
You may consider it unlikely that your pet will be injured or fall ill, especially if you keep your pet indoors and provide an excellent health routine, including a good diet and plenty of exercise. Unfortunately, the truth is that you never know what’s around the corner and pets might suddenly get injured or develop diseases that you cannot prevent.
According to a recent pet health care study, the top causes of pets being taken to the veterinary office in 2010 were ear infections, skin allergies, and skin infections. If your pet suffers from a condition like this you should be prepared to provide treatment on a regular basis, most likely throughout the life of your pet.
Prevent Financial Loss
In the event of an accident or illness it would be beneficial to have considered the impact of a one off cost compared to the lower monthly cost of pet insurance. For instance, if your dog injures his leg and needs a hip replacement, would you be able to afford the several thousands of pounds it might cost to operate? With issues like this, you could risk severe financial loss, or worse, you could face losing your pet altogether because you can’t afford the necessary treatment.
A Long Term Investment
By paying for pet insurance you are investing in your pet’s future as you are ensuring the ability to provide for the necessary pet health care. In addition, you are protecting your own finances in the event of an accident or serious illness.
There are, of course, certain things you need to consider when you do purchase insurance, such as making sure you are aware of all the details in the policy including whether it provides coverage for on-going conditions, whether it covers your pet’s breed, and if dental coverage is also included. You should also be aware of the annual limit of the coverage, and that you choose a recommended insurance provider. Your vet will be able to point you in the right direction.
Image via Katlene Niven on Flickr