Many companies will charge a deductible, but you have the option of choosing the amount. Deductibles can range from $0 to $1,000. Choose an annual deductible if you’d like to know what your premiums will be. If you have a single pet, annual deductibles will cost you less than $100 a year. A per-condition deductible can be even higher, but you’ll have to pay it for each new acute condition.
Many pet owners think that their insurance premiums are a waste of money if they don’t need to claim. However, if your pet suffers a traumatic illness or accident, an insurance policy will pay for the veterinary bills. In fact, veterinary bills are among the most common expenses, and pet insurance can be a great way to protect yourself in the event of such emergencies. If you can afford it, you’ll be glad you bought it.
Buying pet insurance is important for a number of reasons. While some emergencies are preventable, many others require treatment. If you’re unable to pay the deductible, you might not be able to afford the treatment for your pet. In such a case, pet insurance can help you save money and give you peace of mind. If you’re not comfortable paying the deductible, consider getting pet insurance.
What you get for your money depends on the type of pet insurance you buy. If your pet is prone to diseases that can be prevented by vaccination, you might end up paying for an expensive treatment. But there are also certain breeds that can require more expensive medical care. If you have a special breed of dog, pet health insurance may be worth the investment. In addition to medical costs, pet insurance provides other benefits, including hospital boarding and lost pet advertising.