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People often forego pet insurance, thinking they will simply open a savings account in order to pay for their veterinary visits. They would rather do this than have to pay for those expensive pet insurance premiums. But the purpose of pet insurance is to take care of large and unexpected problems that would be impossible to pay out-of-pocket. Adding to a savings account here and there is often not enough to account for the expenses that can come from sudden pet emergencies.

An unforeseen emergency can cost thousands of dollars, and veterinary hospitals all over the country deal with these kinds of emergencies every day. These are the times when pet insurance can literally be a lifesaver.

raleigh pet sittingMany people think there are too many exclusions, such as chronic diseases, congenital, or hereditary problems, making pet insurance something that just isn’t worth their money. These people should consider that there are many companies that allow for a customized policy, giving you the ability to select from various deductible and copay options to find a premium that is just right for your budget.

As a Raleigh dog walking and other pet service provider, we at Raleighwood Petsitting understand the demands of daily life, and if your pets have remained healthy their whole lives, it can be something you can easily put off or ignore. But those who have experienced what it’s like for a beloved pet to be suddenly and seriously injured or ill, having had to spend hundreds and sometimes thousands of dollar in order to keep their pet alive, have come to understand just how important pet insurance can be.

Veterinary bills can be expensive. A simple diagnoses can cost a lot more than you might expect, not to mention the cost of treatment and recovery. Many pet owners think they would pay any amount of money to save their pet if he or she were truly in need, but once the cost moves from the hypothetical realm to reality, they might just have second thoughts. A severely sick or injured pet that requires major surgery can cost as much as $5,000 to $10,000. If you are willing to pay that much money but would worry about how you could afford it, then pet insurance is definitely something you should at least look into.

The current reimbursement model goes something like this. Once you’ve paid your veterinarian, you file a claim and then receive a reimbursement of all expenses for which you are eligible, minus your deductible and copay up to the limits of the policy. Your pet insurance policy is basically a contract between the pet insurance company and you. That’s a bit different from what we are used to when it comes to our own health insurance.

In short, you will need to have enough money in your bank and/or the available credit to pay the veterinarian, after which you will be reimbursed by the insurance company.

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In today’s world of ever-increasing and improving technology, the costs of providing your animals with the healthcare they require may be outpacing most people’s ability to pay for their pet care out-of-pocket. This will probably result in an increased amount of people purchasing pet insurance.

Different policies and companies cover (and do not cover) certain conditions and treatments. This is why it is so important to read over the insurance policy very carefully before deciding to get it. For example, some policies have breed-specific exclusions, and very few (if any) cover dysplasia and ligament-tear repairs. Sometimes you need to purchase additional coverage for cancer.

Here are some of the terms included in policy exclusions which you should understand before you decide to purchase your pet insurance:

  • Hereditary Conditions: This is a health problem that is inherited, and it may not be obvious until later in your pet’s life. These include hip or elbow dysplasia, osteochondritis dissecans (OCD), certain eye conditions, and abnormal bone growth.
  • Developmental Conditions: This is any condition that results from an abnormality in development, which is seen early in your pet’s life. These include cleft palate, heart anomaly, kinked tail, and early deafness. These can be caused by trauma, infections, and other environmental factors.
  • Congenital Conditions: This is any condition that your pet was born with, which can occur in any breed and is often the result of inbreeding or mutation.

We love our furry companions, and we want what is best for them. If possible, we urge you to look into possible pet insurance plans and to find one that works for you. Insuring your pet’s health now can save you a lot of unnecessary costs and heartache in the future.

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