Using Pet Insurance to Cover Unexpected Veterinary Costs

A recent article on LakeForestPatch.com, a website providing comprehensive local coverage of Lake Forest, California, told the story of a pet owner named Gina and her Flat-Coated Retriever McKenzie. Flat-Coated Retrievers are prone to cancer and at seven years old McKenzie was diagnosed with malignant histiocytosis.

The author goes on to say:

Luckily for McKenzie, she has two things going for her. The disease was caught in the very early stages, during her twice-yearly wellness exam, and Gina had pet health insurance that covered the diagnostics and chemotherapy for McKenzie’s disease–$3,000 and counting.

While not a big proponent of pet insurance in general, the author (and close friend to McKenzie’s owner Gina), said pet insurance would absolutely be a priority purchase for her for certain breeds she knows were prone to major health conditions. But she felt that it wasn’t a priority purchase for her now because:

My dogs don’t live in an environment where they might be prone to accidents, such as being hit by a car or finding something poisonous, and the costs of managing their old-age problems and mitral valve disease have been within reach so far. For myself, I’m more a fan of setting aside the amount I would spend in premiums to cover any unexpected veterinary bills or of getting an interest-free Care Credit loan if necessary.

While we absolutely agree that pet insurance is beneficial for dogs like McKenzie that are prone to severe health conditions, we also believe that all pets are good candidates for pet insurance because the health of a pet is such an unknown. Even though a Chihuahua isn’t necessarily prone to cancer, for example, it doesn’t mean that Chihuahuas never develop cancer. And wouldn’t you like to be prepared for the unknown so you have that support when needed, like Gina did?

Setting aside money in a pet-specific savings account also sounds like a great idea until you realize how long it would take to save the $3,000+ it costs to treat severe health conditions. And credit cards? We all know how those can get out of control.

Pet insurance offers peace of mind so you can use your savings on other unexpected expenses (like car trouble or fixing a roof) without guilt and never have to worry about how that credit card you may (or may not) be able to pay will affect your credit.

What do you think? Is pet insurance only beneficial for dogs prone to cancer and other major health issues?

Read the full article here.

About Heather @FamilyAndFur

Heather Kalinowski lives in the Seattle area with her husband, newborn son, and two rescued pups – an Italian Greyhound named Ava and a Spaniel mix named Jackson. She enjoys reading, writing, spending time with her family, and volunteering with Italian Greyhound Rescue. Google+

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