Pets are great companions and emotionally attached to you. Pet insurance helps to protect the health of your furry companion. It covers expenses for accidents, sickness, and surgeries except for things broken by pet!
Treatment of some illnesses can be expensive; insurance plays the role of savior in such a situation plus regular expenses of vaccines are also covered with an additional wellness plan.
Let’s find out more about pet insurance
What is covered in pet insurance? | Pet insurance inclusion and exclusion
Pet insurance provide coverage for accidents, surgeries, injuries, illness, allergies, and diagnostics tests. Some policies are customized to provide only specific cause example accident insurance, which makes insurance super affordable.
Additional wellness plan covers dental care, vaccines, and Vet visits.
Exclusion
Pre-existing conditions, food, supplements, and non-medical expenses.
How to get dog bite insurance? | Pet liability insurance
Dog bite insurance is a part of homeowners’ and renters’ insurance policy. It covers medical and legal charges. Some companies have exceptions to specific dog breeds. Check home insurance
How pet insurance works? | Pet insurance works with reimbursement only
Pet insurance is different from health insurance (human health), you must pay for the treatment of your pet and then you claim for the expenses, which are reimbursed to you as per policy coverage for example it will consider copayment which is your part of payment, the deductible must be paid to start your reimbursement, waiting period should be completed, and claims must not be for exclusion.
How and what makes pet insurance worth your pocket? | how to check pet insurance requirements.
Check your past monthly vet expenses, and forecast it for a year with the growing age of your fur for its life span. Allocate some fund for emergency and find out the average monthly expenses. Now compare it with insurance cost which has emergency it should give you a clear understanding.
Still need more details, below checklist might help.
- Do you have experience in growing pets and treating them?
- If yes how many are at home?
- Is your play area risky?
- Arrangement for road accident, surgery requirement
- Number of Kids playing with pet.
How to control pet medical expenses if you have only accident insurance for your pet.
- Healthy food and enough physical activity make your pet healthy and fit.
- Make sure your pet is vaccinated and fulfills the required condition as per accident insurance.
- Check with your vet for precautions and healthy habits to protect your pet against common and seasonal diseases.
- Also, check the list of medicines that are to be kept at home in case of any emergency and some common medicine.
- Schedule time for a bath, dental cleaning, and nail trimming.
- Check the requirement of worm killer every 6 months.
- Observe your pet for any behavioral changes so that it can be treated without delay.
- Train your pet.
- Do not overfeed
Popular Pet Insurance companies
- Nationwide
- Trupanion
- Healthypaws
- Banfield
- Pets Best
- Embrace
- Figo
- Petfirst
- Petplan
How much does insurance cost for pets?
Insurance cost depends on the pet’s breed, age, pre-existing condition, location, type of coverage, deductible, and annual coverage limit.
Average Annual Pet insurance Cost for a dog
Average annual spend for insurance is $ 1200 to 1700 including accident & illness + Routine care cover. You can reduce insurance cost by adjusting deductible and coverage limit.
Insurance cost for a Labrador Retriever
One year old Labrador Retriever in New York might cost $110 to $125. Insurance cost is more in a city like New York.
Common Pet Vaccines
The rabies vaccine is mandatory by law and other common vaccines are for the below diseases.
- Rabies
- Distemper
- Hepatitis
- Leptospirosis
- Parvo and
- Parainfluenza
Apart from the above vaccines, there are some common diseases that are to be treated.
- Stiffness / Pain
- Obesity
- Dental problem is common mostly after the age of 2.5 years
- Skin infections
- Ear Infections
- Vomiting and Diarrhea
- Urinary Problems
Employment benefit
Many employers are providing pet insurance as a benefit
Tips to potty train your dog
- When your dog is smelling the floor or walking around it means he searching for a place to potty or pee
- Take him outside immediately.
- Initially do this every 2 hours for at least one to two weeks to make him understand the potty/pee place.
- Do not bring him inside the home without an empty bladder.
- Reward your dog when he grabs your attention.
Consider enrolling your pet in the pet training program
Enroll in the pet training plan, you will love when they understand you and make them emotionally attached to you and your family.
The most favorite and most popular Dog Breed in America
Retriever Labrador/golden, German Shepherd, and French Bulldogs are the most popular as per various surveys
You must register your pet and get license for yourself.
Why does a dog get euthanized?
Pet gets euthanized only in the below situation
- When vet recommends
- There is no adaptation available or is not adaptable
- Pet has an incurable illness, aggression and
- When the shelter is overpopulated with old age pets.
The procedure is painless.
How to take care of a pet when you have to travel?
There are many options
- Pet boarding,
- House pet sitting,
- Pet hotel
When you keep it to the above places it may get traumatized, and aggressive also there are chances of getting infected.
There are more options let’s explore
The best way is to keep it with your family
Whenever you pay a visit to your family take your fur along so that your pup gets familiar with your family and you also get to spend quality time with them. If you have somebody from your relationship staying nearby and if they are ok to leave your fur there then your four legged will also enjoy stay and will get the best care. If they also have a pet then ask them to drop their pet at your place when they want to go out.
Neighbors or friend
You have neighbors and they also have pet then what’s stopping you to check with them, take one step forward and check with them and I am sure they will also like the idea, help each other, make a whatsapp group and remember you don’t have a single neighbor.
For a small trip I prefer to keep my fur at my neighbor’s place, I drop it off with sufficient food and toys. Whenever they want to travel, they drop in and you make sure pets are well fed and they get to drink fresh water.
You can create multiple options like-wise, it’s a win-win situation for both, can save money and the pet will feel at home.
How to prepare the best medical first aid Kit for pet
Although there is a ready kit available in the market, many might not have sufficient items. Check the below list, we have tried to include all possible items.
Note: Pet tends to lick the wound/cut hence when any antiseptic or ointment is applied to the wound make sure it is covered with adhesive tape to avoid ingestion.
Include the below items in the first aid kit
- Antiseptic for wound cleaning
- cotton pad
- adhesive medical tape
- Cotton swabs or cotton buds
- Vomiting inducer as per vet recommendation
- Gloves
- Scissors in a cover
- antibiotic ointment
- pet specific shampoo
- towels
- flash light which can fit in kit
- Clinic phone number, address
- Nail clipper
- Copy of insurance policy
- Vaccination record and previous prescriptions
- Existing medicines
- Photo of pet and pet owner.
- Some food to eat.
- Items that you feel can be added.
Pet Microchip or neck collar
Chip is useful when your dog is lost but it is not a GPS tracker, neck collar can also carry the owner’s information. My dog identifies me, I hope I don’t smell bad hope he doesn’t want to go away.
Pet Playtime is very important
Make your pet active not lazy, active pet is strong and healthy. Some breeds are very active and have a lot of energy and want to play a lot, it is good to make him play in your fence yard where it can play and you can also stay fit running behind him…
Exercise helps mellow down aggression,
Conclusion
Pet insurance is a great way to park your worry about your pet’s health expenses. there are verity of plans as per your need.