Pets At Home

When pet owners purchase a pet they shop around at the various pet shops, breeders, pet rescues, and animal shelters until they find the dog, cat, or exotic pet that suits them, what very few pet owners do is consider the cost of veterinarian cost for their new pet. The oversight can prove financially devastating and emotionally heartbreaking.

The cost of veterinary cost is on the rise. Technology, liability insurance, medications, and medical research have forced veterinary clinics to raise their cost. Veterinary clinics in rural areas of the country (especially ones that combine their small animal practice with a large animal practice) find it difficult to attract young vets who are graduating from vet school to their clinics; they are forced to offer higher salaries in order to compete with clinics located closer to major cities.  The increase in the payroll is then transferred to pet owners.

It was recently estimated that the average dog owner will spend about two hundred dollars a year at the vet’s office. Cats were a little cheaper; their owners only spent about a hundred and sixty dollars in veterinary bills.  When you consider what the average life expectancy is for a pet, especially on kept inside, that’s a lot of money. And what if the pet isn’t your run of the mill dog or cat? What if the pet is something more exotic like a pot bellied pig, a ferret, a rabbit, a snake, or even a skunk? The more exotic the pet the more the pet owner is likely to spend on the veterinarian bills, especially if they have a pet such as a skunk which will probably require a vet with special skills. What happens to the pet if it suddenly gets sick or is injured in a freak accident? How much will it set the pet owner back if they have to take their family pet to a university’s veterinary school, will they be able to afford it or will they be forced to euthanize their pet for economic reasons? Read the rest of this entry →

Recent revelations in scientific research have provided pet owners with the means to now save their beloved family pets from injuries and diseases that would have caused the pet to be euthanized in the not so distant past.  The sad news is that when the unthinkable happens and a pet life hangs in the balance most pet owners find that they are unable to afford the often staggering price of the treatments which can range from $3000-$10000 and some cases even more, and are forced to euthanize their pets anyway. It is in these instances that pet owners wish they had the foresight to purchase a pet health insurance policy.

Pet health insurance is similar to human health insurance.

Pet owners who purchase pet health insurance plans from pet health insurance companies do so for a variety of reasons. They might be intrigued by the idea that they will be able to save on their pets annual trip to the vet or they might just be worried that if a serious health crisis develops they wont be able to afford the treatment,

Pet owners can pick from a variety of plants such as pet fatality/mortality insurance, major medical insurance, and basic medical insurance (policy names may vary from company to company.) Many pet health care insurance companies offer option a variety of additional riders to complement the pet health care insurance plan.

Mortality/fatality pet insurance is similar to human life insurance.  The owner pays a premium every month the pet is alive in any event of its death the owner is reimbursed a predetermined amount of money. While the mortality/fatality insurance does not take the sting out of losing a beloved family pet it may help of any additional medical bills that accumulated at the end of your pet’s life.  Many owners used the check to assist with purchasing a new family pet. One thing’s owners should be aware of when they possess AA mortality/fatality pet insurance plan is that most companies require that the owner contact them be for the pet is euthanized. They will often asked to speak to the veterinarian in charge of your pet’s case. Read the rest of this entry →