Pet insurance might seem like an unnecessary cost for pet owners, particularly if their pet is young, but this is an avoidable mistake too many Australian pet owners have made. It is often the case that pet owners find out how significant the cost of veterinary procedures can be when it’s too late, and the resulting financial scramble can have a massive burden on anyone, whether a family or sole owner. Above all, it is the loss of pets that can have the most long-term ramifications, and there’s no price you can put on a loved member of the family. Read on to learn a bit more about what pet insurance is all about, and a few ways you can factor it into your budget.
Pet insurance isn’t as expensive as you might think
Accidents tend to happen when you least expect them, and this is also the case with our furry friends. A cat may get scratched fighting other cats for territory or a dog may eat something they’re not supposed to, but whatever the situation, it’ll be one that cannot be planned for. It’s these moments that can send finances into disarray – perhaps bills are expected at the same time, you may have just put money down on a big holiday or it’s Christmas time. In any case, finding a large amount of money for a procedure that needs to be done quickly can be extremely tough. Many pet insurers allow for effective budgeting through weekly payments, ensuring you never get caught out unawares and depending on the cover you choose, pet insurance can provide up to 80% of the cost of eligible veterinary bills. This is particularly invaluable in instances where pets need complicated surgery, as the procedure itself can cost owners upwards of $10,000 – not exactly an amount many people have on hand for their pet!
What’s covered with pet insurance?
The type of pet insurance you get will entirely depend on the cover you choose, which will often be related to your budget. Even cheap pet insurance in Australia can still save families from troublesome financial worries, so having it is often worth the small cost in itself. Pet insurance might cover things such as anaesthesia for surgery, the cost of surgery, hospital stays for your pet, any required medication, MRIs, radiography and any lab testing that may need to occur. Many of these procedures incur huge expenses, particularly when related to surgery, so having some of the cost covered can help out significantly. It’s unfortunately not a one-size-fits-all approach, though – pet insurance costs will typically depend on a range of factors, such as the excess selected, the benefits applicable to your cover, the species, the breed and age of your pet, in addition to relevant claim history.
Look into pet insurance today
Pet insurance is an excellent way to manage the inevitable needs of pets to be looked after. Not only will it ensure your pet is helped as quickly as possible, but you’ll also be able to financially recover much quicker. It’s also important to note that if your pet develops an issue before you sign up for insurance, this issue will likely not be included in your cover. For this reason, it’s always a good idea to get in as early as possible to guarantee your pets – and your wallet – the best cover possible.
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