Congratulations! The furriest member of the family is getting insured. One question remains though: which policy is best for them? There are a few things to take into consideration before jumping into an insurance plan. Check out the tips below to learn more about the types of coverage that make the most sense for your pet.
Consider the Age of Your Pet
While the best course of action is usually to get insurance for a pet early on, circumstances happen where that just isn’t possible, and that’s okay. However, it’s a determining factor for those trying to cover their dog or cat. Younger animals (such as people) are less likely to suffer from illnesses or diseases, so their coverage tends to differ a bit from their older counterparts. Moreover, as pets age, they tend to require more frequent trips to the vet and maybe even some specialised care. Therefore, age is one important preliminary factor when looking at different insurance plans.
Look at Their Current Wellness Routine
Think of pet insurance as an extension of the dog or cat’s existing wellness routine. As an owner, what do you do to keep your pet happy and healthy? Consider whether an insurance policy could ease the burden of some of those things. For instance, animals that spend a lot of time outdoors are much more likely to suffer from a flea or tick problem. Their wellness routine may include regular doses of flea and tick medication. Those expenses can add up, so maybe there’s a healthcare plan that can help out. Of course, this is just one example. It’s important for pet owners to be honest about their pet’s needs, whether it’s frequent ear infections, constant bad breath, or some other ailment. An insurance plan could be a great way to get some extra assistance with paying for treatment.
Check for Breed Restrictions
Finally, all dog and cat owners should pay attention to policies that differ depending on the pet’s breed. Different dog and cat breeds are predisposed to certain medical conditions. For example, Huskies are prone to autoimmune disorders that lead to skin rashes, while bulldogs and pugs are more likely to have respiratory problems. Dogs with floppy ears, such as Cocker Spaniels, are prone to ear infections, and those such as the Dachshund, with their long bodies, are susceptible to back problems.
It’s not just dogs either, certain cat breeds come with their own health risks and predispositions. Ragdoll cats are prone to heart disease while Siamese cats often get afflicted with eye problems. Maine Coons are gorgeous, but their large size often predisposes them to elbow and hip dysplasia. This list isn’t meant to scare pet owners, but knowledge is power! Just because a specific breed is more likely to get a certain ailment, it’s not definite. Even so, the more you know, the more informed a decision you can make when it comes to getting insurance for your pet. Check out a range of companies to compare and contrast price points and protection plans. Don’t be afraid to speak up and ask for additional information either.