Unexpected high vet bills can make you feel insulted on top of being worried about your injured or ill pet.
Sixty percent of pet owners in the UK are not taking out pet insurance for their companion animals and so carrying the risk to be overwhelmed by the costs of even basic veterinary care.
The right pet insurance coverage will help to provide the necessary funds.
If you shop around and compare pet insurances, you will find that getting the best deal is not always easy: "wading" through the jungle of exemptions and possible impossibilities can be dreadful.
Think about the individual needs of our pet: how old is it? Is it healthy? Do you live in a busy town or more remotely? What species and breed is it? Ask your veterinarian what breed-specific diseases and illnesses you might be faced with in your pet's later life.
Writing down all these factors will help you to find the best and cheapest insurance coverage.
Not having any health cover for your companion animal at all could prove as the wrong decision, really.
Veterinary treatment and medication is expensive especially if your pet requires specialized diagnostics and/or surgery.
On the other hand, everybody expects the very best veterinary care for their ill or injured pet.
Without appropriate insurance cover treatment costs can easily exceed the budget you put aside for paying vet bills and cause a lot of grieve.
In the event of the unexpected you are emotionally distressed and long term consequences of your pet's injury or illness are not straight away apparent.
Would it not be a fair reassurance in this situation to know that the pet insurance you just bought really covers it all? So, what is usually not covered by a pet insurance? Routine procedures carried out by your veterinary surgeon, like neutering, vaccinations, worming, routine dental care and similar treatments.
Do not forget that surgical procedures will usually need to be carried out under general anesthetic, which is quite expensive.
Pre-existent conditions and health problems are usually not covered.
The best time to insure your pet is in its early life when it is still healthy.
Do not forget the policy excess you agreed to: you will need to pay for every treatment that costs up to this predefined amount yourself.
The insurance company pays only, if the costs are higher than your agreed excess up to the maximum amount of your policy.
You still need to pay the excess though.
Most insurance companies do not insure older pets.
A usual limit in dogs is if they reach seven years of age, in cats it is nine years.
After all, keeping a pet can become expensive, if you do not prepare for the unexpected.
Adequate pet insurance for your companion animal is in our modern society vital, and as a responsible and sensible pet owner you need to research and choose the pet insurance tailored to your individual needs.