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Do You Need Pet Insurance?

Updated on November 5, 2015

Have you thought about your pets future?

There are a large number of people in America that own pets. Many people have more than one pet. For most, pets are just another family member. You get them as a puppy or kitten and you plan to watch them grow old.

There is that future I was talking about. When your pet gets old do you have a plan to pay for the care he or she may need? Besides the care that an elderly pet may need there is also the possibility of an unexpected injury or illness, even when they are young.

There are things that you can do to help plan for your pets future to make sure he/she has a happy healthy life with you.

Start by Saving

The best place to start is by saving money for a rainy day. This is one of the most important things you can do you help your pet in the event of an injury or illness. If your pet is unexpectedly injured it will be up to you to pay the vet costs associated with his care. If you are unable to afford the care he needs he may not be able to receive addaquet care and this could negatively impact his quality of life. Also no pet owner wants to be thinking about how much will this cost the whole time they are talking to a vet. They want to be able to think about what the best option is to help their pet.

Look into Pet Insurance

The next thing to think about is looking into pet insurance. I know many pet owners have turned this down because there is a small chance of ever having to use it. Many times if your pet was never in an accident you would have spent a lot of money for nothing. Things are changing though and many procedures that were only used on humans are now being used to treat pets. With these new procedures you will also be paying a higher price.

Some Pet Insurance companies also offer things like regular preventative care and hereditary coverage. It is important to look around for a good rate and see what each company offers for plans. You have to know about the breed of dog you have in order to have them covered properly. Some breed have genetic problems that can be covered by insurance.

Care Credit

If you find yourself in a situation where you are unprepared for vet costs due to and emergency vet visit, there is help. There is a credit card carried by some Vet facilities called Care Credit. It's owned by GE Money and can be a lofe saver if your pet is injured and you are unable to pay the cost in full. You can apply at the vets office and find out if you are approved in minutes.

This credit card is great because it also covers people, not just pets. If you are in an emergency and have not saved up or have pet insurance this is a great option. even if you do have insurance but the procedure isn't covered then you can use Care Credit.

The card allows you to have no interest for 3, 6, or 12 months depending on the bill amount. This may just be enough time for you to get your finances in order to pay off the bill. The interest rate is a little high once it kicks in, but if you have to do it I think it's a pretty good option.

Please plan ahead

It's very important to think about these things before you adopt a pet. If you are unable to afford your pet think about what may happen to him/her. There are a lot of kill shelters out there, especially in highly populated areas. Think about your future with your pet and provide a safe an happy home for them.

Plan for that rainy day, and hopefully it will always be sunny.You and your pet deserve the best care possible, especially when you are hurt or sick. Check out what is going on in the news with pet insurance. The topic is spreading around with so many pet owners in the world, hopefully a change in pet care is coming.


What do you do to prepare for your pets medical future?

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© 2009 RedZulu


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    • Tracy711 profile image


      11 years ago

      I liked your hub I have two dogs and both are on insurance. It's more cost efficient. I pay almost $40 dollars s month but that's like the cost of one vaccine. So it's really a good idea. When I got my male fixed I didn't have to pay for anything but the pain medecine. Taking two dogs to the vet for shots can run well over $300 but this way I pay less than $40. I will be back to read more of your hubs and you are more than welcome to read mine..God bless


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