Pet Scoop on Pet Insurance Policies--To Insure or Not to Insure?
To insure or not to insure? This can easily be a $1,000 question.
On a recent Saturday evening, our Golden Retriever Jesse bounded out of the back of our SUV onto the ramp before it was secured to the bumper. Both she and the ramp fell to the ground, with our Jess nursing an injured paw. Not only were we momentarily chagrined about her sprain and possible break, we were envisioning the cavernous hole a trip to the Vet Emergency Clinic on a weekend night would make in our bank account.
Since our pets are cherished members of our families, we want to provide them with the best medical care we can afford and keep them healthy for as long as we possibly can. As a result, our veterinary care is growing more expensive. Miami-Dade vet blogger Doolittler has started a series of timely articles Doolitter's vetcentric take on pet insurance, which may help you make up your mind whether to purchase a Pet Insurance Policy.
When the care vets can provide begins to outstrip your ability to pay for it, something's gotta give. In this case it's the insurance companies...giving you the ability to pay for care you might never have considered twenty years ago--for a fee.
The purpose of insurance in this setting is to help you pay for the growing expense involved in pet illness and injury. If your pet lives a healthy life, the monthly premiums you pay for pet insurance is overkill--you'll lose money in the long run. When she surprises you with a midnight snack of antifreeze, however, pet insurance might just make the difference between high-tech treatment and instant euthanasia.
Peace of mind and tragedy aversion is the name of the game when it comes to pet health insurance. Those of us with substantial expendable savings? Statistically, we're better off without it. After all, the insurance companies are in the biz to make a profit. But how many of us can boast a lotto-size stash under the mattress?
If you would like to research pet insurance policies, try PETCO Insure your Pets Today and QuickCare Pet Insurance.
Read entire Doolitter's article Part 1.
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Posted by Molly & Jessie at March 14, 2008 6:00 AM