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Is Pet Insurance Worth It?

Many pet owners often wonder if it's worth it to purchase pet insurance. The way I see it, there are two main considerations, your opinion when it comes to risk-taking and the expected health of your pet.

Are you a risk-taker or are you conservative? If you are a risk-taker when it comes to insurance and would be okay covering any health-related costs yourself, you shouldn't bother getting pet insurance. Right or wrong, this is what most pet owners do. However, if you are conservative, and want the peace of mind knowing that most major health costs you incur for your pet would be covered, pet insurance might be right for you!

The second consideration is the expected health of your pet. Of course, it's impossible to predict with any level of precision how healthy your pet will be, but if you have carefully researched the lineage of your puppy, kitten or foal, and have sound information about the health of the lines, then that's valuable information for you to use when making this decision.

Next, you might be wondering how pet insurance works. It's pretty simple. You'd pay a monthly insurance premium for your pet, which could be as low as $10 per month (but usually higher). Some plans cover routine care as well as accidents and illnesses, while others only cover accidents and illnesses (the later would be cheaper). When your pet receives veterinary care, you'd submit the bill to the insurance company for reimbursement. Based on the plan you purchase, you'd be reimbursed a percentage of the total cost minus any deductible. Not every procedure is covered, so check out your policy carefully.

With the rising costs of pet healthcare and with the extremes that many of us would go to for our pets, pet insurance is becoming very popular with pet owners.

http://www.thepetman.com

In The News:

A Texas man reeled in a massive 12-foot tiger shark over the weekend, calling it a “once in a lifetime catch.”
An extremely rare 1913 Liberty Head nickel is expected to fetch between $3 million and $5 million when it is auctioned on Wednesday.
A robust clubhook squid washed up on an Oregon beach last week for the second time within the span of two weeks, giving researchers another rare opportunity to study the mysterious deep sea creature.
Florida’s red tide, which was declared an emergency by Gov. Rick Scott on Monday, has been devastating marine life on Florida’s Gulf Coast this summer.
A disgusting wave of swirling garbage was captured on video by a college student in Manila Bay.
Researchers at the California Institute of Technology have gathered hundreds of satellite images from between 1992 and 2011. The images, turned into a GIF, show how the ground in the southern part of the world's fifth largest economy rises and falls when groundwater is pumped in and out of aquifers beneath the surface.
In popular science literature, much ink has been spilled on the supposed collapse of Easter Island, or Rapa Nui, as it's known in the local language.
For nearly two months, there has been no sign of NASA's Mars Opportunity rover.
Right now, as you read this very text, your DNA is getting sliced up by tiny, invisible bullets. The damage-dealers are known as cosmic rays, even though they are absolutely not rays — but the name stuck from a historical misunderstanding. Instead, they're particles: electrons and protons, mostly, but occasionally heavier things like helium or even iron nuclei.
Pictures show the stunning 2018 Perseid meteor shower.

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