Choose Pet Insurance? | Smart Pets
Dogs Insurance

Choose Pet Insurance?

Pet insurance exists to protect you from losing money to cover the payment of veterinary bills. The costs of treating pets in veterinary clinics are increasing year by year and this trend is expected to continue. You and your pet must visit the vet each year and the frequency of these visits increases with the age of your pet. It is important that you check the health of your older pet more often than for younger animals to avoid complications or late diagnosis. Fortunately, top insurers like Petplan allow older dogs and cats to be enrolled in their pet insurance plans, so you don’t have to worry about your elderly pet ending up without any financial support.

   The costs of treatment-related to accidents and injuries are also very high. Emergency visits or surgery can cost more than $1,000 each, while in more complex cases, the total value of treatments and full hospitality can exceed $20,000. You should also think about the cost of healing when choosing pet insurance. The time it takes for the animal to recover from a serious injury or operation can be very long, and therefore very expensive.

Examples Of Standard Procedures (Exact Prices May Be Different, Depending On Location)

> Vaccination (each) $15 – $28

> Office calls (do not include emergency) $45 – $55

> Heart worm Tests $45 – $50

> Treatment when dog does have heart worms $400 – $1.000

> Ear Infection $100 – $200

> Fecal exams (part of annual checkup) $25 – $45

> Geriatric screening (usually over 7 years) $85 – $110

> Allergy testing (skin + blood) $400 – $550

> Dental Cleaning $700 – $400

Importance Of Having Pets Insurance:

   The average value of an insurance claim for a pet is several hundred dollars. However, it can exceed a few thousand if your pet develops a serious or permanent illness. If you’re wondering if pet insurance is really necessary, ask yourself how you would cope with a very high and unexpected cost. This is fine if you have the amount covering the cost of treatment, on the other hand, it is understandable that the accumulated funds are not always available in the savings account. However, what if you don’t have any funds or savings? Can you afford to pay a high bill or will you have to quit something in your life to make the payment? You may need to cancel family holidays or karate lessons for children?

These difficult questions may arise if your uninsured best boyfriend gets sick or gets hurt. Like all humans, you are responsible for the life of your pet and you should not endanger this life by cancelling a very expensive but life-saving treatment.

People often call insurance companies to purchase full coverage after their pet has fallen ill or been injured. Unfortunately, it is too late for any protection and the processing costs are entirely at the expense of the insured. Do you also want to buy insurance too late? The purpose of pet insurance is to protect yourself from the loss of your own money, when something unexpected happens to your pet.

Examples Of Canine Treatment:

Chronic Vomiting

$500 – $8.000

Breathing difficulty

$500 – $5.000

Bloat or Stomach dilatation

$500 – $10.000


$2.500 – $6.000

Examples Of Feline Treatment:

Muscle Disease

$200 – $2.000

Fainting (collapsing)

$200 – $3.000

Difficult breathing

$500 – $4.000


$500 – $6.000

How Much Does Pet Insurance Cost:

  Monthly payment depends on many factors such as your pet’s bread, gender and age. The location and veterinary costs in your area are also very important. The exact values are calculated individually, but the average cost of pet insurance ranges from $30 to $80 per month for dogs and $10 to $50 for cats. This amount covers a wide variety of diseases and post-accident treatments. However, if your pet is older, you will, in most cases, have to pay a higher premium with a lower refund.

How To Choose Pet Insurance.

– Start looking for insurance when your pet is healthy. Most providers do not accept pets with pre-existing conditions, for example.

– Decide what level of coverage you need and what should be included in the standard plan (for example, does pet insurance cover allergy tests or does it offer a wellness plan)

– Choose the level of refund and deductibles that are best for you. In general, higher fees will reduce monthly premiums.

– Determine the amount of deductible you can afford and the level of monthly payments you can accept.

– Check the details of the agreement for each policy, taking into account exclusions, waiting periods and information on how to terminate a pet insurance policy.

– Check for any additional costs of the “extras”, what exactly they offer and whether they are worth an additional premium.

– Compare pet insurance quotes received. This is not always the first time you should subscribe. There are many variations between insurance companies, with conditions that often partially overlap. The final decision must, therefore, be made by judiciously comparing all your needs with what exactly each pet insurance covers. On average, people choose between 3 and 5 options before making a final decision.

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