Brini’s Guide To Pet Insurance For First-Time Pet Owners
Hi there!!! But this morning, I tried to enjoy some breakfast in peace and was interrupted by my dog whose main plan was to lick all the toast out of my hands. It’s almost like they can tell when you’re about to start unwinding. I am so fully aware now, being a first-time pet owner exactly how random pets can be. This is why I had some pet insurance lined up before the next ‘adventure’ occurred!
As a new pet parent, you are excited about your furry friend coming to live at their forever home. However, I soon understood that with love and companionship came a lot of responsibility, particularly towards my pet’s health. As a first-time pet owner, though, I had never thought of how expensive veterinary care can get – especially if there is an unexpected illness or accident. Well, that was when I started looking into pet insurance and discovered how important it can be for both my pup and my pocketbook. One of the best things I did as a pet owner was to get pet insurance for them in case something goes wrong.
From a simple vaccination visit to an emergency surgery, the proper insurance plan can literally mean the world of difference. This pet insurance explanation guide covers everything you need to know about how it works and the types of pet insurance coverage available, based on everything I learned for our own first pet. I hope if you’re embarking on a new pet parent journey, this will encourage you to consider the benefits of pet insurance and point you in the right direction for your new fur baby.
What Is Pet Insurance And Why Do You Need It?
First, let me just say that pet insurance is a lifesaver (quite literally). It’s a type of insurance policy that you pay to help cover the costs for your pet when going to the vet, such as accident or illness treatments, and sometimes even routine care. I learned this the hard way in my first year with a furry friend. emergency vet visits can appear from thin air. I knew that if I suddenly required surgery, within a month I could be looking at hundreds of dollars and in some cases, thousands, and I wanted to make sure that these costs would not cripple my family.
Pet insurance would save you money. If your furry buddy becomes sick or injured and you do not have to determine between their health and a complete inside-exterior renovation on your scrotum, it gives you peace of thought. For first-time owners like me this is a big deal since you don’t really know what to expect – anything can happen. And you will never find yourself in a position of having to make that choice between finances and your pet’s health.
Exploring Different Types Of Pet Insurance Plans
The first time I decided to research pet insurance, I was inundated with choices. Not all plans are created equally, so be sure you know what each gets you. Here’s what I found out:
Here Are The Three Types Of Plans:
Accident-Only Plans
This plan will cover you against an accident such as broken bones or cuts from running around. They are typically cheaper but do not provide coverage for diseases or preventive care such as vaccines.
Accident And Illness Plans
This plan covers accidents, as well as illnesses, such as infection or chronic conditions. A longer and more comprehensive option, this is the one I ended up with (for my cat) as it gave me the best coverage for unknown degenerative health issues.
Comprehensive Plans With Wellness Benefits
These plans include coverage for accidents, illnesses, and preventative care (vaccines, flea treatment, annual check-ups). They tend to be more expensive but they offer the best coverage if you want your pet to receive preventive care.
How Does Pet Insurance Work?
The first time I decided to research pet insurance, I was inundated with choices. Not all plans are created equally, so be sure you know what each gets you. Here’s what I found out:
This is what you will have to pay on a monthly basis or annually for your pet’s insurance policy. Depending on your pet’s breed, age and your location the price can fluctuate drastically. I noticed premiums were lower for younger pets, so it pays to enroll early.
This is the money you must spend before your insurance begins to cover things. It is an amount you need to pay before your plan starts paying stuff out of pocket. Deductibles differ, and you should take one into account that fits well within the budget.
This is a part of the bill you will be left to pay whenever you’ve reached your deductible. This is usually a fraction of the total price (20%, 30% etc). Other plans have an option where you can choose a co-pay level that works for your budget.
After your pet receives treatment, you will submit a claim to your insurance company (typically with a copy of that vet bill). After that, it is up to the provider to reimburse you under their coverage. It is worth noting that this process could take time (usually, a handful of weeks).
You will receive reimbursement via check or direct deposit, depending on the plan. Be sure to inquire about how long your claim will take, so you aren’t blindsided.
How To Choose The Best Pet Insurance For Your Pet?
Buying the best pet insurance plan for your dog is not a one-size-fits-all scenario.
Here is what you should ask yourself when selecting the best coverage.
Breed, Age, And Health
Some health issues are more common in certain breeds; this should always be considered. I selected a plan that would help pay for any breed-specific issues my pet might have. This means the earlier you get your pet insured, the cheaper their premiums will be great if you are getting a puppy or kitten.
Established Coverage Caps
Various plans offer limits per calendar year or in a lifetime amount for your pet. You should read the fine print and find a policy with limits that are in line with what you expect.
Exclusions And Pre-Existing Conditions
Most pet insurance will not cover pre-existing conditions, find out what they exclude. You can only claim conditions on your policy that are not pre-existing before getting insurance for your pet.
Use Tools To Compare Providers
It helped me greatly when I use online tools through which I can compare multiple pet insurance providers. Read customer reviews, where other types of coverage are offered and special features (for example, wellness coverage) to choose the one that is best for your pet.
Conclusion
Finding that perfect pet insurance for your new pet is not just about a good deal, it means making sure your furry friend will always get the care they need no matter what life has in store for you. It is overwhelming for first-time pet owners to differentiate among various insurance plans and details but trust me it is worth the time. Because I have pet insurance, I get to enjoy the life of a pet owner without worrying every moment about how much it might cost if my dog gets hurt or sick.
Pet insurance can help you sleep easy, whether that means choosing a more accident-only plan or one that covers everything from an annual checkup to emergency surgery as well. That said, it’s a choice that helps you comfort yourself over the health of your furry family member knowing you have the money to pay for any mishap. Our primary goal as pet parents is to ensure our pets live long, healthy, and happy lives and pet insurance plays a vital role in that. With plenty of options to suit every kind of pup, use this time to pick the best plan for your pet, and rest assured that whatever happens next, you’ll be prepared.
Frequently Asked Questions
Is Pet Insurance Worth It For First-Time Pet Owners?
Absolutely. It gives you some support and reassurance especially when a medical bill comes out of nowhere.
What’s The Best Age To Get Pet Insurance?
It is a good idea to get your pet’s insurance as early, and as healthy, in their lives as possible.
Can I Use Pet Insurance With Any Vet?
While most policies let you go to any licensed vet, you’ll want to confirm with the provider.
Does Pet Insurance Cover Routine Care?
Some plans do, but usually, it is included in wellness plans or comprehensive policies.
How Long Does It Take To Get Reimbursed After A Claim?
It takes a few weeks for reimbursement to process, so be patient. Different providers have different schedules.
