Is Pet Insurance a Luxury or Necessity?

Adopting a pet is one of the most exciting and rewarding things that you can do, but pets also come with a great deal of responsibility. They can also be expensive, which is why most experts recommend being financially stable before you bring home a new pet. Money spent on treats, toys, and accessories can add up over time. In the event that your dog experiences a health issue or requires veterinary care, you could end up owing thousands for treatment and medication. That's why many pet owners opt to invest in a pet insurance policy, which can help cover the cost of their care. If you're considering insuring your pet, keep reading to learn about whether pet insurance is a luxury or a necessity.

Do you need pet insurance?

A lot of new pet owners find themselves wondering whether it's worth it to purchase pet insurance. While no one wants to think about the possibility that their pet could get sick or injured at some point, even the most doting pet parent can't prevent every accident or illness. The reality is that vet visits and medical bills can easily cost thousands of dollars, even to treat issues that may seem minor to you. Pet insurance policies are designed to help reduce the financial burden of paying for medical care for your pet.

What your insurance policy covers will depend on the amount of coverage you purchase and the details of your plan. The most comprehensive plans typically cover accidental injury, illness, medical procedures, and routine care. Some examples of services that you can have covered include microchipping, vaccination, dental procedures, hospitalization, and after-hours care. You can even find policies that cover emergency boarding fees for your pet in case you require a prolonged hospital stay.

While some pet owners may be hesitant about paying a monthly premium, especially if they believe their dog is in good health, the peace of mind that pet insurance provides is often worth the cost on its own. The costs of pet ownership can be high even without factoring in the cost of veterinary care. That's why it's a good idea to guard yourself against having to cover thousands of dollars in vet bills by enrolling your pet in a pet insurance plan.

How else can you protect your furry friend?

Before bringing home your new pet, it's important to pet-proof your entire house. It's your job to eliminate hazards, move breakable items out of reach, and secure areas where they aren't supposed to be. You can use childproof latches to keep pets out of cabinets, trash cans, and other containers. Food should also be stored somewhere safe and inaccessible, especially products like chocolate, grapes, and any type of alcohol, all of which can be toxic for your pet.

Pets also need regular exercise, which they're often dependent on their owners to provide. Take the time to go for a walk with your dog when they need to go outside, rather than just rushing back in after they take care of their business. Look for interesting toys and structures that allow for climbing if you have indoor pets. If you need ideas, you can talk to your vet about what activities might be best suited for your pet based on their specific needs.

Every animal lover wants to keep their pet as safe and happy as they can. One of the best ways to do that is to purchase comprehensive insurance coverage to defray the cost of medical expenses like emergency care, surgery, and routine preventative care. It's also your responsibility to protect your pet from safety risks within your home by taking steps like using childproof latches on cabinets and securing the lids of your trash cans. Even if your pet never has a severe health issue that requires the use of your insurance policy, you'll sleep better at night knowing that they're covered in case something goes wrong.

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