Some people have come to think of pet insurance as one of the many essential types of coverage any financially responsible person should have. Others look at it as a frivolous expenditure that only eccentric people buy – while some of those with this opinion are pet owners, many are not. Perhaps there are some valid points on either side of the argument, but when the pros and cons are weighed, it turns out that getting an insurance policy for your cat, snake, dog, or other domesticated animal might not be such a bad idea.
What Happens When You Don’t Have Pet Insurance?
Those against the idea of health and life coverage for animals likely have failed to consider what might happen when this type of insurance is not had. Veterinary bills can get to be very expensive very fast. Even something as simple as getting a dog its heartworm pills, required immunizations, or checkups can easily run the owner several hundreds of dollars, especially over the life of the animal. Pets are just as much subject to health issues as human being are.
Many people have experienced their beloved dog or cat needing to have a costly surgery. Sometimes the medical procedures veterinarians perform are lifesaving and sometimes they aren’t. But, when a pet has a disabling condition, the owner has to bear the consequences, whether the animal has to be put down or is left to live. The coverage acts as a financial buffer to the owner and is a tool by which to ensure that veterinary care can be given whenever the need arises.
Why Would Someone Not Want Pet Insurance?
It does not take long for a rational person to conclude that pet insurance is essential for all who own a domestic animal. Some people generally don’t like the idea of people having dogs or cats that get treated like a family members, but they should not let their biased way of thinking blind them to the fact that having an insurance policy for a pet is not a frivolous expense, but a rational one. The only real reason why any pet owner would not want to have this type of coverage is a financial issue – they might think they can’t afford it.
Like the problems that arise when a person has to go to the hospital but without health insurance, financial troubles can start the moment an animal that’s not covered has to visit the vet. Those avoiding getting insurance for their pets due to budget constraints would be better served in the long run by making sure that they have this form of financial protection in place.
Help in Setting Your Priorities Straight
A lot of children who want puppies will be told by their parents that they must first learn to be responsible. The need for responsibility in pet ownership does not fade away as the age of the owner increases. Many people hold on to their pets even through hard times because they are emotionally attached to their animals. The intensity of the devotion, however, does not cancel out the financial commitment that accompanies ownership. In other words, if you are going to have a pet, then you must have pet insurance because such is your responsibility.