Are you covered?
WHY YOU SHOULD THINK ABOUT INSURANCE IF YOU DON’T ALREADY HAVE IT……
Pet insurance is about covering the unpredictable
Your dog or cat may be in perfect health, full of energy and careful of traffic. You may ask yourself if it is worth insuring your pet if it’s unlikely you’ll make a claim, but an illness or injury is never predictable. As is the case with all insurance, a policy protects you from the unpredictable. Unlikely but real-life instances of a chipped tooth or skin cancer can cost a lot to remedy; pet insurance would step in and cover the bulk of the bill.
So, Should I insure my pet?
Vets unfairly have a reputation in some instances of charging like dentists. It’s not true, but the fees can be expensive for standard procedures making the cost of owning a pet unexpectedly high. Most owners won’t be hit too hard with standard and non-standard treatments, but if you are less lucky (and your pet’s situation is more complicated), you might end up paying a hefty fee. Here are some recent vet bill examples Kiwis have been faced with:
Sending a cat for a CT scan – $1,750
Cat hit by a car, broken femur – $1,800
Surgery to remove ingested material – $1,950
Chipped tooth on a cat – $2,200
Treating a small dog with a broken bone – $2,800
Cat run over by a car, emergency surgery – $4,000
Complicated kidney condition treatment – $5,500
To decide whether to get pet insurance, look at the above costs and be realistic about whether you could afford the bill if it was handed to you tomorrow. Would you be able to cover it? If not, pet insurance may be a good way to avoid an uncomfortable visit to the vet.