Should I buy pet insurance?
Many pet owners will do whatever they can to help their dog or cat live a long, happy and healthy life. But sometimes when sudden accidents, injuries or illnesses happen, even the most dedicated owner can be put in a difficult position when they haven’t planned for the unexpected expenses.
To protect themselves from having to face sudden costs, more and more Australians are starting to invest in pet insurance. It is estimated 1 in 3 pets will need emergency care every year, so getting pet insurance can let you focus on your pet’s health rather than worry about how large the bills are going to be and whether you can really afford them.
How does pet insurance work?
Pet insurance works a little differently to the other kinds of insurance you might normally consider. Most of the time, you will pay your vet directly after a visit and then submit a claim through your pet insurance provider. From there, the pet insurance company will review your claim and reimburse you depending on what expenses your pet is covered for. Petplan have a strong relationship with vets, therefore providing you with the option of settling your claims directly with your vet.
Cover and costs
The cost of your insurance will depend on the type of cover you choose and what added extras you think your pet will need now and in the future. The breed of your dog or cat may also increase your premiums. For example, breeds with a tendency to urinary issues such as the Dalmatian may have an additional loading to cover the increased likelihood of needing treatment.
Many insurance providers can tailor policies to suit your budget and your pet’s needs, with some allowing you to adjust your policy for added extras such as elective surgery and pregnancy and some letting you nominate a particular level of excess. Petplan has a range of options to suit your needs a budget, from the 12 month Essential policy which is ideal for older pets, through to the Covered For Life plans.
Specialist pet insurance providers such as Petplan offer a whole range of policy options that not only suit your budget and the needs of your pets, they also have ways to save on additional treatment costs like X-rays and overnight hospital stays. Petplan even offers things you may not have considered, such as products that help cover the cost of boarding your pet in the event that you need to go into hospital yourself.
Pet insurance is peace of mind
As veterinary care improves, more options become available to treat your sick pet and let them go on to live a healthy, long life. By having insurance in place, you not only help to cover the cost of these options, you're also buying yourself peace of mind. The peace of mind that comes from knowing your pet can get the treatment they need to get well without your wallet being put on the critical list.