As ridiculous as it may seem, pet insurances are now considered as a necessity especially for seniors with aging pets! At a glance, a pet insurance looks like something you waste your money paying for as they are mostly considered as unimportant. However, if you have a pet you have grown to love, you might want to reconsider getting one to save your wallet from going belly-up in the future!
Before you go on shopping for a pet insurance, you should assess first your level of concern for your pet since most pet insurances in the market today are expensive so you really have to think about it. Also, you need to consider your pet’s possibilities of ever needing treatments in the future as many pets don’t require them. Nonetheless, if you are the type of pet owner who would do anything to save an ailing pet then pet insurance is certainly made for you!
Gone are the days when you go to a vet with an ailing—almost dying—pet, and be advised to just go home and wait for your pet’s time to come. Veterinary medicine has improved a lot over the years and nowadays, sophisticated treatments are available for your pets to live longer lives. However, as the vet science progresses comes the high cost of keeping your beloved pets alive. I personally attest to that, submitting my pet to his much needed surgery must be akin to having my grandson’s teeth aligned and braced. Sometimes, even more than that since I still have to keep my pet in medications after surgery.
Bottomline is, most seniors who own a pet are usually willing to pay, no matter how steep, not only for saving or prolonging the pet’s life but also with their maintenance. In fact, according to a survey done with pet owners as respondents, the seniors group is the highest paying customers when it comes to pet care. Most of the time, these treatments and diagnostic procedures throw a senior off budget.
And because pet insurance is fast becoming popular these days, lucrative policies have been offered to seniors with pets. Aside from the vet fee which stays as the most important factor in a pet insurance, some insurance companies are now adding benefits to policies such as “life” coverage for your pet with you being the beneficiary in case of death and in cases of animal theft. Indeed, many insurance companies are now offering pet insurances such that if you are interested in getting one, just call your own insurance company and inquire about it—they most probably can assist you with these concerns. These are the things you need to consider when choosing the right pet insurance for you:
·    Does it allow you to choose a vet for your pet?
·    Immediate coverage?
·    Preventive treatments, are they included?
·    How about medications?
·    What are the benefits and which areas are covered?
·    How reimbursements and claims are made?
·    Cancellation penalty?