Pet insurance - does your pet need to be insured?

It's a pet owner’s worst nightmare, your best friend has suddenly taken ill, or been involved in an accident and now you are facing a bill you hadn't budgeted for.  

Petplan Pet InsuranceAdvances in veterinary medicine and equipment means that Sanford Veterinary Clinic can now offer far greater diagnostic, treatment and surgical options than ever before.  Needless to say, this capacity comes at a greater cost.    Don’t let cost become a deciding factor in treatment options.  Your pet gives you unconditional love and loyalty and we, as vets want to give them the proper care they deserve.  

Research tells us that 2 out of 3 pets need veterinary attention each year and 66% of all veterinary visits are due to a sudden illness. Pet health insurance can help contribute to unexpected and routine veterinary expenses by paying 80% - 100% of costs.

There are many companies that offer pet insurance, so you do need to do some research before choosing the cover that’s best for you and your pet.

Most companies will offer a range of policies including ‘accident only’ and ‘accident and illness’. A few companies also offer some cover for routine items like vaccinations and prescription food.

 Some helpful hints on pet insurance

  • Compare company brochures
  • Ask for a policy wording booklet
  • Call each company for further advice
  • Decide on accident only or accident & illness, do you want routine health care as well?
  • Add up routine health care cover per year, does it make the extra monthly premium worthwhile?
  • Take into consideration your pets breed and age, does that mean a higher premium?
  • Insure pets as early as possible, before any medical conditions develop.
  • Keep in mind senior pets do require more frequent medical treatment due to illness, so get in early.
  • What excesses are involved?
  • Do the excesses change with certain breeds or age?
  • Is there an age limit?
  • Are both accident and illness covered once my pet becomes a senior?
  • Is there a waiting period? When can I make my first claim?
  • Please clarify exclusions for my pets breed, or age, can I have a written copy?
  • When does a medical complaint stop being covered, due to being deemed “chronic” or ongoing?
  • What would happen if I wanted to cancel my pet’s insurance?

Other questions to ask insurance companies

Focus on the positives of pet insurance and what it will cover, not on the uncovered items.

Having pet insurance takes the cost factor out of your decision regarding treatment options.  Only then can veterinarians truly focus on providing the best possible outcomes for your best friend.

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