when to get pet insurance
Pet insurance saves pet parents thousands of dollars and can spare them from making a heartbreaking decision about whether or not they can continue their pet’s care. Signing up for pet insurance is one of the first and most important steps a responsible pet parent can take.
A surprisingly large percentage of pet owners do not have pet insurance. This puts them at risk for sizable, unexpected vet bills.
Here are three of the most common misconceptions:
1. Young pets don’t need coverage.
When it comes to getting pet insurance, early enrollment is key to ensuring your new puppy or kitten is covered against the unexpected.
Owners of pets under a year old are 2.5 times more likely to submit a claim for an unexpected accident or illness.* Even the youngest of pets suffer from broken bones, ear infections and even dental conditions. Once they’ve reached the age of two, 80% of dogs and 70% of cats have begun showing signs of periodontal disease.**
While many pet insurance providers don’t offer dental coverage, Petplan will cover dental diseases and injuries for cats and dogs. This is just one of the many issues that young pets can experience and medical treatments can cost up to tens of thousands of dollars without insurance.
2. It’s too late to insure my older pet.
Even senior pets can benefit from enrollment. While pre-existing conditions aren’t covered by any pet insurance provider, it’s always smart to enroll pets before they develop new health problems. In some cases, pets may even become eligible for an existing condition if they remain symptom-free for an extended period.
3. Coverage is limited.
While there are a few exclusions from coverage, like wellness care, flea and tick prevention and vaccines, pet insurance covers up to 90% of all new injuries and illnesses, and unlike your own personal health insurance, you aren’t limited to the constraints of networks. Visit any licensed vet in the US or Canada and your pet will be covered for things like:
- accidents and injuries
- new illnesses
- vet exam fees
- prescription medications
- cancer treatments
- dental disease or injury treatments
- surgery and rehabilitation
- and more...
The sooner, the better
The best time to enroll your pet in a policy is now. Whether you have a brand new puppy or a senior cat, accidents and illnesses can happen at any time. Investing in pet insurance as soon as possible is the best way to ensure that your pet is covered no matter what happens. With pet insurance, you can skip the worry over vet bills, so you can focus on what’s important—keeping your pet healthy and happy.
* According to Petplan claims data.
** Wiggs R, Lobprise H. (1997). Periodontology. In Veterinary Dentistry: Principles and Practice (pp. 186-231). Philadelphia, PA: Lippincott Raven.