Myth: Most pets go throughout life without major illness or disease.
Fact: Animals suffer from many illnesses and diseases similar to humans. To name a few are heart disease, stroke, seizures, cancer, diabetes, skin disease, liver disease and allergies. Also, dogs and other pets suffer from other diseases that are species specific. For example, a few of the specie specific diseases of dogs are canine distemper, heartworm disease, canine parvovirus, canine bordetellosis, canine parainfluenza, and canine leptospirosis. There are so many diseases and illnesses that can come upon your pet throughout its life. Without pet insurance you are not giving them a chance to live because most owners when faced with expensive veterinary bills will choose pet euthanasia.
Myth: Pet insurance works the same as human insurance.
Fact: No, they actually work differently. With most pet policies you can:
See any licensed veterinarian worldwide versus human insurance where you can only see certain doctors. Which as we all know is usually very limited. Also, pet insurance is great because we can pay at the time of service versus making a co-pay. Some pet insurance also allow for owners to make a claim for reimbursement versus using a medical card and number. Honestly, there are many up sides to pet insurance. I’m happy to know that with pet insurance my little furry friend is taken care of just as well as I am, if not better.
Myth: Pet insurance is more expensive than my health insurance.
Fact: Pet insurance is much less expensive than human health insurance. Employers typically pay 80% - 90% of an employee’s health insurance. A recent government survey showed that small companies paid an average premium of $3,003.31 per employee for health insurance coverage. However, the average contribution by an employee was only $396.12. Most pet insurance coverage on average is less than $1 a day. And most of these coverage plans offer a wide range of services for all kinds of animals. Pet insurance does not only extend to dogs and cats, but it extends to all kinds of caged animals, exotic animals, and larger animals such as horses.
Myth: I should wait until my pet is older to purchase pet insurance.
Fact: Young pets are like human babies and toddlers. They lack full coordination, so they are more likely to fall or get injured. They aren’t experienced in knowing which situations can hurt them. And they are so small they don’t know when they’re in the way. Most pet owners not only do not know this, but they don’t have the time to watch their young pets as if they are human babies. In a sense many more accidents, falls, and injuries, are even more likely to occur in pets when they are young then when they are older. It’s always better to enroll them when they’re young and before pre-existing conditions develop, or accidents and illness occurs. Most people that love their pets enough to pay costly veterinary bills suffer from more then just the bills; they suffer from the regret of not purchasing pet insurance. When your pets are younger necessary surgeries from an illness or injury can on average cost more because of the precision and extra veterinary practice it is to work on an animal when it is much smaller, developing and fragile to begin with.
Myth: I should wait to purchase pet insurance until my family talks it over.
Fact: Many pet insurance companies offer money-back guarantees within the first 10 to 20 days of purchasing insurance. Make sure before you sign or agree to anything that you are exactly sure how long the pet insurance will last, and how you can cancel pet insurance at any time, if you change your mind. This is great because this offers you the opportunity to discuss it with your family without delaying the enrollment process to having the best insurance for your pet.
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