Vet Care Doesn't Have to Break the Bank; Pet Insurance

Sad cat needs pet insurance

Thanks to Pet Insurance, Vet Care Doesn't Have to Break the Bank

Unexpected veterinary bills can quickly drain your bank account or emergency fund. Since you never know when disaster will strike, pet insurance helps you ensure that your companion receives the care it needs without straining your finances.

Why Pet Insurance Is a Good Idea

Your pet may be healthy now, but what about next month or next year? Illnesses, infections, and injuries happen without warning and can be costly to treat. If you don't have pet insurance, you may need to use funds earmarked for household expenses or rely on credit cards to pay veterinary bills. When you have pet insurance, your budget won't take a hit due to an unexpected bill.

Pet insurance also offers peace of mind. When you know your pet's health care needs are covered by insurance, you won't have to make a difficult decision about whether you can afford a particular treatment or procedure.

Veterinary care can be expensive, particularly if your pet is injured or has a complicated condition or illness. Even a seemingly minor problem like a stomach issue can be more expensive than you expected. According to the Healthy Paws' Pet Insurance 2019 Cost of Pet Healthcare Report, treatment of a stomach problem could cost as much as $29,000, depending on the treatment. Stomach problems were the top reason both dogs and cats visited the veterinarian based on the report's findings.

During your pet's treatment, the veterinarian may need to analyze your furry friend's blood, take X-rays or ultrasounds, perform endoscopies or surgery, or prescribe medication. Your bill increases with each test, procedure, or medication your pet needs.

Although treatment of a stomach issue could cost tens of thousands of dollars in an extreme case, most pet owners will only pay a few thousand dollars. Of course, a $2,000 bill may easily derail your budget if you don't have pet insurance.

What to Look for When Buying Pet Insurance

When you're comparing pet insurance plans, take a look at:

  • Coverage. Does the plan cover well visits in addition to accidents and illnesses? If well visit coverage is available, will you need to pay more for it? Does the policy list specific conditions and injuries that will be covered, such as cancer, parasites, broken bones, ingestion of foreign objects, etc.? Does it cover routine vaccines?
  • Exclusions. Are certain conditions excluded from the coverage? What about chronic and long-term diseases and conditions? Will the policy cover care for your pet's diabetes or hip dysplasia? In some cases, insurers may cover new illnesses and injuries, but might exclude pre-existing illnesses or chronic conditions.
  • Reimbursements. Most pet insurance plans reimburse you after you pay veterinary bills. You'll need to pay the veterinarian with cash, check, or a credit card, then wait to be reimbursed. Ask the company how long it takes to provide reimbursements and what percentage of your costs will be covered by the plan.
  • Premiums and Other Charges. How much will you pay for the coverage? Are there co-pays and deductibles? Will the premiums go up every year? Will you pay more as your pet gets older? How often are premium payments due?
  • Breed Coverage. Does the insurer cover your pet's breed? If the breed is known to have many health risks, the insurer may choose to decline coverage or not offer coverage for specific conditions.
  • Veterinarians. Can you use the insurance at any veterinary office you want? What if your pet needs to see an emergency veterinarian? Will the policy cover emergency visits to other veterinarians or trips to veterinary specialists?

If you're having trouble deciding between two plans, check out Money's list of 10 best pet insurance companies or call the veterinary office. The staff may be able to offer information about companies that offer the best coverage or promptly reimburse their clients for expenses. Contact our office if you have any questions about pet insurance or your pet's health.

Sources:

AVMA: Do You Need Pet Insurance?

Money: 10 Best Pet Insurance Companies of July 2022, 7/7/2022

Healthy Paws Pet Insurance 2019 Cost of Pet Healthcare Report

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Testimonials

Read What Our Clients Say

  • "Absolutely incredible service and the best veterinary experience we have ever had. Every time we visit Progressive Vet Care, we are blown away by the attentiveness, professionalism and care shown by Dr Tim and the team. Dr Tim is highly capable and we feel very confident that our dog is in his care. Dr Tim always has time and goes above and beyond in answering our questions and providing a great service. I highly recommend Progressive Vet Care. I seriously cannot think of a single improvement to this practice as everything is already so well done."
    Shavini
  • "Fantastic friendly and professional service at this practice -so glad we have found this vet!"
    Adriana
  • "Tim and the team run an amazing vet practice at Progressive Vet Care. Gus the pug nearly died when he ate a keyring last year but Tim saves his life, quite literally. We are blessed to have such a great vet around the corner and their renovated practice is beautiful."
    Pip
  • "I highly recommend Progressive Vet Care. I used to take my dog to a different vet clinic for 10 years but when my dog got very sick, I just didn’t feel right and looked for a different clinic. Thank god I found Progressive Vet Care. Dr Tim was spot on with diagnosis and he & his team did everything they could for Leo. It was a very sad experience for our family to say good bye to Leo but I was so grateful to Dr Tim for his professionalism, loving care and compassion towards both Leo and our family. I wish I knew Dr Tim 10 years ago and took Leo to this fantastic clinic from the first place."
    Shinko
  • "Our first experience with Progressive Vet Care and extremely happy. Our dog needed emergency surgery which is always stressful to hear. Dr Tim was very supportive and gave us options to consider. He saw us on short notice on a Friday night and managed to fit our dog in Saturday morning for the surgery. Highly recommend !"
    Kerrie
  • "I brought my puppy here for his first visit and the staff were so helpful and attentive. A welcoming and happy environment, glad I chose this place!
    (And thanks for the help over the phone when I had concerns about my puppy, the girls at reception are so lovely!)"
    Stefani
  • "We were so grateful to Dr Tim (Bowden) and the team at Progressive Vet Care for their care and treatment of our very special Jack Russell x in the last few weeks of her life. I discovered the practice through looking for a vet that was open on a Sunday. They also have an emergency number to talk through concerns after hours. Dr. Tim was so thorough and patient in explaining all the options. We had the best, most compassionate care I could have wished for."
    Roz
  • "If i could give 10 stars i would. Dr Tim is a miracle worker he has fixed up my little Lolly and is always super attentive and thorough. Could not recommend this place any more.
    Love it!"
    Andy
  • "Exceptional service and trust. I recommend this vet clinic to any friends who welcome a new pet into their home. They work closely with rescue groups, the vets are very knowledgeable and the team who coordinate the reception are wonderfully friendly and easy to deal with. Won't be taking my doggo anywhere else!"
    Tassie
  • ""I adopted my cat from progressive vet care, he is the most beautiful loving boy, not only did they take amazing care of him as a new born kitten, they provided wonderful health care to him and have continued with such great care of him with each of our visit, such a wonderful team""
    Katrina
  • "The experience we had with Progressive Vet Care was outstanding. Both Dr Tim and the other staff members were efficient and helpful. Also very compassionate towards our dog Millie when she was desexed and afterward care. Soon we will need to take her for her vaccinations. There is definitely no other place I will take my Millie. Well done guys and many thanks."
    Maryanne
  • "We were very happy with Progressive Vet Care. Dr Tim was very thorough and even called up four days later to check on the progress of our whippet after his treatment and advise. I am going to bring all my animals to this vet clinic in future."
    Jessica