Benefits Of Pet Insurance

Because of the advancements in modern medicine, pet owners and their veterinarians can now perform many unheard-of operations and procedures for suffering dogs to significantly increase their life expectancy and keep them comfortable.  You should be aware that these procedures and treatments do come with a high-priced tag.

As many pet owners have already found out, tests, examinations and procedures can cost hundreds – if not thousands of dollars.  Even a routine exam for your dog for vaccinations and preventative tests – can range anywhere from $200-$400 or more.  As a pet owner, you can only imagine the reality and the cost of chemotherapy or a hip replacement for a dog that is in pain.

Enter – Pet Insurance!Pixabay Image 781422

With the advancement of pet insurance, it now enables and allows caring pet owners to be able to enjoy their dog for many years without facing a large financial hardship or a difficult decision resulting in having to choose between helping their beloved pet or euthanizing their pet due to an exorbitant price tag.  A number of pet insurance companies exist that can relieve the burden of life-saving procedures and care.  These companies all vary in services covered, cost, customer service, and claim reimbursement.

Important Things To Look For In Pet Insurance

There are several things to consider before you select and settle on a pet insurance provider, the first among them is coverage.  You need to find out what procedures and services the plan you are considering covers, and if there’s any flexibility in selecting a plan that meets your specific needs.  You should also find out if there are any services that are excluded in the plan.

BannerAdCustomer service is another important one.  Because if there’s an emergency, and you need to place a call, you need to make sure that there will be a human on the other end of the phone to answer your questions.  And, if there is no call center where you can connect with an actual human, then you also need to find out when the company is open for assistance.

Insurance premiums can be a burden for a family on an income, so you need to find out how much your premium will be for the pet insurance that best meets your needs.

DSC_0681_black3Reagan Uses Embrace

For my French bulldog Reagan, I carry pet insurance from a company called Embrace.   Embrace leads the industry in pet insurance providers.  Their plans are truly custom-tailored and can meet most everyone’s needs.  I was looking for a company that had a website that is easy to maneuver and has lots of terrific information.   Based on personal experience, their claims are paid quickly and with no hassles.  One of the things I really like is that their claims are paid based on your veterinary bill not on what they think the charge should be.   They also cover many congenital and hereditary conditions, as well as routine and wellness care, and they cover specialist charges with no additional fees.  Embrace is one of the first pet insurance companies to offer a diminishing deductible feature – which translates to meaning that for every year that there is no claim reimbursement, you will receive a $50 credit towards your dog’s annual deductible – so overtime you could actually shrink your deductible down to zero dollars if you have a healthy dog!

Even though pet insurance is an additional cost for you concerning your dog, it can save you money.  Since most people view their dogs as family members and not pets, and most pet owners want their family members to live long and healthy lives, one of the best ways to make sure that happens is by investing in pet insurance.

Just Like Humans, Dogs Get SickPixabay Image 809930

Just like humans, dogs can’t get sick or be involved in accidents.  They also need routine preventative healthcare in order to stay healthy – all of which can cost a bundle of money!  Pet insurance plans are designed to help shoulder the burden of these costs thereby giving pet owners a choice in caring for the pet versus having to euthanize the dog due to insufficient funding to pay for necessary medical procedures.

Currently only 1% of the pet population in the United States is insured.  That equates to about 3 million animals – but since pet insurance is becoming more and more popular, there’s anticipation of those numbers increasing up to 10% within the next five years.

My Final Thoughts

Since I am one of those pet owners that view my dog as a family member, I have insured my current dog (and past dogs going back as far as 15 years) because I never wanted to have to make that heart wrenching decision to euthanize because I did not have the funds to care for an ill dog.  Most pet policies cover most issues making them a good investment for pet owners, and with a variety of companies and plans to choose from, pet owners can find one that is not only affordable for them but one which also covers their pets annual medical needs.

I would love to hear your comments, feedback, stories and ideas.

Scoops is a pooper scooper, dog waste clean up and pet waste clean up service located in central New Jersey – Check us out at

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