Pet Insurance for Personal Lines Clients

Posted September 24, 2015

Should your beloved four-legged family member become ill or get hurt, your first stop is the veterinarian. Though their expertise is invaluable, it can also be quite costly. Read on to learn more about budgeting for the unexpected with pet insurance coverage.

Protect the Health and Safety of Man’s Best Friend!

Sharing your life with a cat or dog (or any other pet for that matter) can be extremely rewarding. Animals provide unconditional love, joy, companionship and protection to their owners on a daily basis. Unfortunately, pets can have medical problems just like humans, which may yield expensive veterinary bills. Fortunately, pet insurance coverage is available to combat those risks. This way, if your pet is injured and requires emergency care or simply needs a vaccine, you won’t have to worry about the cost of the medical procedure.

Coverage Basics

Premiums can range from less than $10 to about $75 per month, depending on the level of coverage that’s right for your pet. Many pet insurance policies have the following features (check yours for specifics):

  • Allows pet owners to select a coverage percentage or monthly premium that will fits their budget and coverage needs.
  • Pets must have an annual exam and owners must adhere to the recommendations of their veterinarians to remain covered.
  • Coverage is not extended to existing conditions and injuries.
  • Policy covers expenses relating to:
    • Accidents and Injuries
    • X-rays
    • Surgeries
    • Cancer
    • Prescription
    • Hospitalization
    • Vaccinations
    • Heartworm
    • Flea Control
    • Urinalysis
    • Dental
    • Spay/Neuter

Steep Costs

Medical costs for your pets can add up quickly. Here are some of the most common veterinary treatments whose costs can range from hundreds to thousands of dollars:

  • Dog involved in a motor vehicle accident
  • Dog or cat ingesting a foreign object
  • Dog cancer treatments
  • Dog bladder infection
  • Dog hip dysplasia
  • Cat fractured leg
  • Cat pneumonia
  • Cat diabetes

Your pet’s health can be quite expensive to maintain. Don’t take the chance of not being able to afford to provide medical care for your furry family members. Call Horst Insurance today to learn more about all of our insurance solutions.

Disclaimer: This article is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy.