Low Cost Pet Insurance – Pet Health Insurance – Pet Medical Expenses

Getting pet insurance is a great way to control your pet’s medical expenses without going broke. Taking this route is a whole lot better than one day having to make some heart wrenching decision to either go into debt to save your pet, or making that choice to euthanize your pet simply because you can’t afford to save its life. Pet health insurance makes sense and there are many affordable plans to choose from.

How much does pet health insurance cost per month?

To get medical insurance for your pet, you can expect to pay an average of $20 to $30 per month for a dog and $10 to $25 for a cat. Pet insurance companies will work with pet owners to provide them with affordable monthly payments. If you have a medical service pet for the disabled, or have a therapy pet used in nursing homes, you may be eligible for a 10% discount.

What does low cost pet health insurance cover?

This type of insurance provides preventative care to avoid serious medical conditions as well as major medical surgeries. It just depends on the plan you choose.

Preventative Care:
• Spay/neuter
• Vaccinations and yearly exams
• Heart worm treatments
• Flea control medications
• Teeth cleaning
• Microchip identification
• Kennel costs when you go on vacation

Medical Operations:
• Surgeries
• X-Rays, MRI, Cat scans
• Serious Illnesses

If you decide to not get pet health insurance, this is an idea of the expenses you could potentially expect to pay at your veterinarian.

• Gastroplexy – A bloated condition in a dog’s stomach due to excessive gas, fluid or food. This can cost anywhere from $1,200 to $5,000.

• Bladder Infections – $2,800

• Hip Dysplasia – $2,400 plus medications.

• Ingestion of foreign body – $4,300 (Your pet gets into the trashcan and swallows a chicken, pork or steak bone)

• Gets hit by a car – $5,000

• Fractured leg – $2,400

• Diabetes – $1,500 – $2,000 (Very common with cats)

• Cancer treatments – $3,500

• Cataracts – $1,500 – $3,000

• Spay/Neuter – cost depends on the weight and age of dog. Average cost is $150 to $200. You could also check on-line with the ASPCA.org. When you type in your zip code, it will give you a location of a pet program in your community that can do it cheaper, like in the range of $75. If you live in NYC, there are actually mobile veterinary clinics that will travel to certain neighborhoods since there’s an overpopulation of stray animals on the streets.

There are a lot more operations pets have, but these are the more common medical conditions that can develop in a dog or cat’s life span. As you can see, you could potentially spend thousands on your pet between preventative care, diagnostic fees, operations, medications, and the costs to keep your pet in pet hospital while healing, or you could choose to get a low cost pet insurance plan that will fit well within your budget.

The amount of people in the U.S. that have pet insurance for their pets is only 1%, but that could be due to the fact that they either don’t know that affordable insurance exists, think they can’t afford it, or just hope for the best that their pet won’t get sick.

Ultimately, getting pet health insurance will give you that peace of mind if anything should happen to your pet and the comfort of knowing you won’t be surprised with unexpected medical expenses. If you decide to get an opinion on pet insurance plans, you could always check with your vet and compare pet insurance, per the health condition of your pet.

Resources: Pet Article courtesy of http://pet-articles.blogspot.com.