Pet Health Insurance

The main reason to buy insurance is to have the security of knowing that you will be able to deal with a catastrophic illness.  If your pet gets sick or hurt, will you be able to pay for the kind of care you would like him or her to receive?  If not, you may want to have insurance.

Some things to look for when researching insurance plans:

• What will the insurance pay for?  Some breeds may not be covered for some illnesses. 
• Are hereditary conditions covered?
• What happens to the premium and the insurance as your pet ages, or if you make more than an average amount of claim?
• What is the maximum payout?  Is it per illness, per incident, per year, or lifetime?
• Are chronic and continuing illnesses covered?  If your pet gets diabetes, for example, is it covered for the rest of the pet’s life, or only for the year it was diagnosed?
• What is the deductible?  Is it per illness or per incident?
• What, if any, dentistry is covered?

It’s a good idea to speak with your veterinarian about what are the most important things for insurance to cover, given your pet’s species, age, breed and lifestyle.  This can be done during your puppy and kitten visits, or any wellness exam.

Nakusp Veterinary Clinic does not sell pet health insurance or endorse any specific company.