Did you know that September is National Pet Health Insurance month? I didn’t. But what a great month to spread awareness about Pet Health Insurance.
National Pet Health Insurance Month
September is nationally recognized as Pet Health Insurance month, and Kroger is inviting pet owners to learn more about policy options for their furry friends. This year marks the second annual celebration of the pet insurance month in the United States with pet insurance becoming more and more popular.
Vet care has increased significantly within the past few years. Pet owners can now seek treatment for their pets from dialysis to cancer treatments to surgeries, and pets are living longer than ever. But with the increased level of care comes an understandable increase in cost. According to the American Pet Products Association vet bills topped $11 billion across the nation in 2008.
Pet insurance is an option pet owners may want to consider. Pet insurance can allow owners to have coverage for the unexpected, and it can allow them to better budget for planned expenses. Some plans, such as the accident-only pet insurance plan covers treatment that results from an injury or accident, such as a car collision or unintentional ingestion. But with a more inclusive policy, pet owners can seek reimbursement for preventative care, such as teeth cleaning, flea control, annual exams and behavioral training. Pet insurance can provide peace of mind for pet owners, knowing they will not be stuck making a decision between proper care for their pet and possible “economic” euthanasia.
As a fur baby mama I will tell you that if we are willing to insure our children why not our furry children as well? Just last summer at this time our family was celebrating Big G’s birthday, a joyous of all occasions. But the occasion turned for the worse when we found our English Bulldog Ginger unconscious and unresponsive in our back yard due to heat stroke. The extreme summer heat of Arizona and all of her activity with the excitement took an unhealthy toll and she suffered heat stroke. The Chad and I rushed to her aide to cool her down as fast as we could without dropping her temperature too drastically resulting in permanent damage. We loaded her up and rushed her to the ER where she was treated and in a few days we had our beloved family pet back home with.
However, with that ER trip came a costly bill. The bill though was mitigated by the fact that we invested in pet health insurance for Ginger. While the entire bill was not completely covered a large portion of the bill was and all because we took the time, the small investment, and love of our fur child to adequately protect her in the event of this sort of catastrophic event. More so her general checkups are covered 100%.
While plans may differ in price and characteristic here are some helpful tips:
- Get the coverage you want. Take the time to review what policies are available. Some carriers, like Kroger and PetFirst Healthcare, offer accident-only coverage, which pet owners may find more attractive than a premium coverage plan which costs more per month. Pet owners should examine how much they’re willing to spend on the monthly premium and match that with the benefits of each plan.
- Buy early. Most, if not all pet insurance providers will refuse a pet with a pre-existing condition. Just like in humans, a pre-existing condition means the pet was diagnosed with an illness or disease prior to seeking pet insurance. It’s best to seek coverage from Day 1 to avoid the possibility of a pre-existing condition.
- Know your coverage. Not all treatments will be covered, and what’s covered varies from policy to policy. Because pet owners pay out-of-pocket and then file a claim for reimbursement, some pet owners may not know a treatment isn’t covered until their claim is denied. Avoid that scenario by knowing the coverage benefits before walking into a vet’s clinic.
In addition to supporting pet health insurance awareness, Kroger provided me with a $20 gift card from its One-Stop Gift Card Shop so that I could select my pet-related products at Kroger, as well as a gift card for one of my readers so they could do the same.
Leave me a comment telling me about your fur baby and what you would get your fur baby with your Kroger gift card. See the rules page for all your entry options.