My family consists of three children, a cat (Skyrim), and a dog (Princess). The six of us are inseparable. We eat, play, and share as much as we can. Sky sleeps with my middle child and Princess with my youngest.
I would unquestionably get pet insurance for Sky or Princess if either one manifested a sign of chronic illness. The treatment they receive at home is one of respect and love. They are bathed often and fed twice a day. The litter box is changed after three or four days and the wee wee pads are thrown away after every poop.
Sky is not allowed outside of the house. As a family we decided that we did not want him to travel the neighborhood and bring back any bugs or diseases. We are constantly checking his fur, eyes, ears, and waste. So long as all is healthy, there is no reason to have an extra monthly bill on our hands.
Princess is an indoor pet as well. She is allowed in the backyard once a week for a very short time as we look at her every move. Then we bring her in and bathe her. She is also checked for fleas, lice and any other pesty bugs.
Taking your pets to the veterinarian is vital when they are kittens and puppies. Vaccinations must be in order. And, of course, if the pet gets hurt then you should visit a pet hospital or vet. Other than that, there is no reason to see a pet doctor. Paying for insurance would be a waste of money if you’re living on a fixed income or from check to check.
Keeping animals clean, fed, and loved are far more important than pet insurance.
Pet insurance is a must when pets have chronic illnesses such as allergies, chronic renal insufficiency, periodontal disease, obesity, etc. Just as you have medical insurance, your beloved pets should also be taken into consideration because of their medical delicateness.
Insurances such as Healthy Paws, Veterinary Pet Insurance and ASPCA Pet Health Insurance offer different types of packages that will tailor to your pet’s needs. There are lifetime insurances, accidental insurances, and everyday care insurances, just to name a few. Most American Kennel Club members use the Pet Healthcare Plan which is quite comprehensive and used throughout the United States.
Your decision to buy pet insurance should depend upon your pet’s medical condition more than anything else. Having it does not mean you love your pet more. It just means you have a very sick pet or enough money to add it to your monthly budget.