Pet owners love their furry companions, and they want the best for them. Cat or dog insurance isn’t a bad idea, but it can be a puzzle figuring out which coverage is the right choice. Here is a breakdown of the different kinds of protection and what they mean. It’s also a good idea to consider the current health condition of the pet, their medical history, their age, and breed. Read on for more in-depth details about insuring a pet and selecting the appropriate coverage.
No, this isn’t referring to when Fido pees in the house or Fluffy hacks up a furball. Accident-only coverage is for pet owners who want their insurance to only cover accidental injury. For example, a dog swallows a toy or a cat licks some antifreeze. This type of policy will cover the costs for emergency vet visits, as well as any lab tests the doctors need to run. Owners can also use it for specialist care and hospitalisation, prescription drugs, and surgery. Your pet is eligible for lifelong coverage as long as the policyholder doesn’t break it off or have gaps in the policy due to cancellation or late payments. This could be a suitable option for those who want to get some kind of insurance, but don’t think their pet needs a full-blown policy. It’s always wise to have some level of protection because animals are living creatures, too!
For pet owners who are a bit more serious about insuring their beloved fuzzball, comprehensive coverage may be the way to go. It covers most of the things from the accident plan, but includes additional insurance for illness. This includes allergies, cancer, ear and eye problems, digestive or G.I. conditions, and an annual limit of $1,000 for tick paralysis. Overall, this is a wide-ranging plan that should give people more peace of mind. Most places that sell pet insurance in Australia will have this type of coverage, and it’s best to speak with a representative to get the full story before committing to the plan.
Insurance for Major Expenses
Along with protection for accidents and sickness, this plan includes routine care as well. Regular vet visits keep Fido or Fluffy at the top of their game. These visits usually include routine flea and tick medication, deworming, vaccinations, teeth cleaning, and other preventative treatments. The price may vary depending on whether an owner has a cat or dog, and sometimes there are variables in coverage depending on breed, but this depends on the provider. This is why it’s in everyone’s best interest to get all the details from a representative. At the end of the day, owners are responsible for their pets, so they should take that duty seriously. Pet insurance may seem like a mere suggestion, but it’s actually a crucial part of having a furry buddy. Moreover, animals that are prone to certain diseases, have a family history of illness, or are aging and deteriorating in health are prime candidates for quality protection.