Why You Might Need Pet Insurance

Pet insurance is essential for when your beloved furball faces unexpected health issues.

After all, you’re a proud cat parent or a devoted dog lover, who only wants the best for their pet, right?

And you would because our furry companions bring joy, laughter and unconditional love into our lives.

Should I Get it?

Consider getting an insurance for your pets for the following reasons:

• Animals get sick. Just like humans, pets can fall ill. From minor infections to chronic conditions, their health is unpredictable. Pet insurance can help ensure you’re financially prepared for unexpected medical expenses.

• Accidents happen to everyone. Pets are curious creatures. They explore, play and sometimes get into scraps. Whether it’s a broken bone or a bee sting, accidents can happen. Pet insurance can help cover emergency treatments and surgeries.

• Prepare for hereditary and breed-specific conditions. Certain breeds are prone to specific health issues. For example, German Shepherds may develop hip dysplasia, while Siamese cats are susceptible to respiratory problems. Animal insurance helps manage these genetic conditions.

• Getting insured is the responsible choice. Adopting a pet means being responsible for their well-being. Pet insurance is a commitment to providing the best care, even during challenging times.

• Vet bills can be unexpectedly high. A routine checkup might reveal an underlying issue that requires extensive diagnostics or surgery. This can help ensure you won’t have to choose between your pet’s health and your wallet.

• Protect your savings. Instead of dipping into your savings or emergency fund, let your insurance cover the costs. It’s a smart way to protect your financial stability.

Exclusions

Pet insurance typically excludes the following:

• Preventive care—Routine exams, vaccinations and heartworm tests are typically not covered; however, some insurers offer add-on wellness policies for an extra fee.

• Preexisting conditions—Any health issue your pet had before getting insurance won’t be covered.

• Exam fees—The cost of physical exams during emergencies or accidents is usually not covered, although some policies offer exam fee add-ons.

• Elective procedures—Spaying/neutering are generally excluded, but they may be covered under wellness policies.

Pet Insurance in Saint Marys, PA

Contact Pacelli Insurance to determine if pet insurance is suitable for your circumstances.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.