Pet Insurance: Is it Worth the Price?
Is pet insurance worth the price? This is a question which virtually every pet owner must have asked themselves at the time they buy their pet. The first instinct, as soon as you fall in love with your new cherished family member, is to want to do everything to protect it, and this will make you think that insuring against possible veterinary bills is an essential. While in many cases buying insurance will be the right way to go, it is by no means certain, and each case will need to be judged on its own merits.
One important consideration is which type of pet you actually own. The more exotic and unusual your choice of companion, the more certain it is that you should insure it against medical bills. An unusual pet will need to be treated by a veterinary surgeon who has an in-depth knowledge of the species, and this will obviously cost more than the treatment of a domestic cat or dog which can be carried out by any vet, including a student. Of course, your choice of company will be limited in the case of an exotic pet, but some of the biggest and best insurers in America have departments which can cover any pet you could wish to name.
Even if your pet is not exotic or unusual, it is certain that insurance should be considered if the breed is prone to any disease which will require extensive treatment. This can be a major consideration in the case of dogs, where the purity of the breed can have a profound effect on the risk of certain illnesses developing. As a rule, the more the breed of dog, the more inherent risk there is. Although this will obviously be taken into account when the premiums are calculated, it is still going to be far too much of a risk to leave such a breed without insurance.
In the case of cats, there is a significant risk of them developing cancer, and this can be a significant deterrent to having no insurance. Cancer is an incredibly painful condition, and it can be long and drawn out, so the risk involved in going without insurance is probably going to be too great. It will be better to get part cover insurance, which will be substantially cheaper than comprehensive insurance but will still cover you against the worst cases, and cover the less likely occurrences yourself.
Ultimately, any choice as to whether pet insurance is worth it depends on your own financial position, and whether or not you are prepared to underwrite the risk yourself. It is quite possible to have no pet insurance, if you are able and prepared to cover any medical bills which come your way. Certainly, there are many pet owners who insure purely against accidents, which can happen to any pet, and take the risk of underwriting their own illness risk. This can be because they intend to be pet owners over the course of a long lifetime, and know that the percentages will even out over time. In the end, only the individual can give the definitive answer to the question: Is pet insurance worth it?
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