Do I Need Pet Health Insurance?

Over the past several years the medical care that can be provided to your dog or cat has become extremely sophisticated.  Diagnostic ultrasound, MRI’s, CT Scans, Radioactive thyroid treatments have all become commonplace. For your pet, a most important family member, this is great news.  However as we all are aware technology and exemplary care comes at a price.  The knowledge of the importance of dental hygiene has propelled the study of pet dentistry forward light years yet that too can push the cost of pet dental care out of reach.  So how can we make this all work?  How can we as doctors and you as pet caretakers avoid the painful experience of not being able to provide your dog or cat the best care available?

Too often in the attempt to make care affordable for the pet owner shortcuts are taken.  This compromise doesn’t always affect the outcome of the pet’s illness but may result in the delay of a diagnosis or recovery.  Yet in a worst case scenario it could end in the premature loss of your beloved dog or cat.   When this occurs we all lose.  As veterinarians it is our goal, duty and intent to provide the most current, successful and effective diagnosis and treatment.  In a perfect world this would be the case.  However reality often dictates otherwise.

Enter pet health insurance.  Health insurance for your dog or cat is not a new idea.  It has been around for many years yet recently there has been a significant growth in the number of providers.  This market competition couldn’t be better for we the pet owner.  Although not nearly approaching the options (and confusion) of human health insurance, pet health insurance can now be written to cover:

-routine vaccinations

-elective and non-elective surgery

-cancer treatment

-prescription diets

to name a few of the enticements now offered by pet health insurance  providers. In the next post we will take a look at some of the options available to you as a pet owner.  Take some time to research the field to get a sense of what is available.  Ultimately pet health insurance can provide you with the confidence that regardless of the condition of your pet, financial concerns can at the very least be one worry that can be easily minimized.