Hey friends! With National Disaster Preparedness month upon us, it seems like the perfect time to chat about pet insurance. Many pet owners have questions or doubts about whether pet insurance is worth it, so we’re tackling some myths and misconceptions head-on. Here are the top five myths about pet insurance and the truth behind them!
1. “Pet Insurance is Too Expensive.”
One of the biggest misconceptions is that pet insurance is prohibitively expensive. In reality, the cost of pet insurance can be surprisingly affordable. Monthly premiums vary based on your pet’s age, breed, and location, but many plans cost less than a daily cup of coffee. For instance, a basic plan for a healthy young dog might cost around $20 to $30 per month. And when you consider that a single unexpected vet visit could cost hundreds or even thousands of dollars, the insurance cost seems like a small price to pay for peace of mind.
2. “Pet Insurance Doesn’t Cover Pre-Existing Conditions.”
Unfortunately, it’s true that most pet insurance plans don’t cover pre-existing conditions. But that doesn’t mean the insurance isn’t useful. If your pet develops a condition after you’ve purchased the insurance, that condition is typically covered. For example, if your pet develops a new illness or injury after starting the policy, the treatment for that condition will likely be covered. So, while you can’t get insurance to cover a condition that was already present, it’s still a valuable tool for future health issues.
3. “Pet Insurance Doesn’t Cover Routine Care.”
Many people think pet insurance is only for emergencies, but that’s not always the case. Some insurance plans offer coverage for routine care, like vaccinations, annual check-ups, and dental cleanings. These are often included in wellness or preventive care add-ons. So, if you’re looking to cover not just the unexpected, but also regular vet visits, you can find policies that include these benefits.
4. “Pet Insurance is Too Complicated and Hard to Use.”
Navigating insurance can seem daunting, but many pet insurance companies have made the process straightforward. From choosing a plan to filing a claim, the steps are designed to be as simple as possible. Most companies offer user-friendly online portals where you can manage your policy, submit claims, and track reimbursements. Plus, many insurers have customer support teams ready to help if you run into any issues.
5. “My Pet Will Never Need It.”
It’s easy to think that your healthy, active pet will never need insurance, but the unexpected can happen at any time. Accidents, sudden illnesses, and injuries can occur, and having insurance can provide a safety net. For example, a playful puppy might accidentally swallow a foreign object, leading to a costly emergency surgery. With insurance, you can have the financial support to handle these situations without stressing over the costs.
Pet insurance isn’t just for those who anticipate major health issues—it’s a proactive measure to ensure your furry friend gets the best care possible without breaking the bank. Here at Riverside Vet, we accept most pet insurance types. We encourage you to take a closer look at how pet insurance can benefit you and your pet. Reach out to different insurance companies to find the one that is the best fit for your family’s needs. After all, our pets are family, and their health and happiness are worth every bit of effort!