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Like any other insurance, pet insurance is designed to offer protection from the unexpected. Every pet owner wants their pet to be healthy, and regular check-ups are the best way to ensure this, but accidents can happen – whether it’s slipping while running in the park, innocently eating something toxic or dashing across the road; things that can happen to pets of even the most diligent owners.

Pets are tough but illness can occur with regular frequency and few warning signs. Although some pets make it to old age without accidents or illnesses, the vast majority won’t be so fortunate. Luckily, the standards and quality of veterinary medicine are high, but this comes with significant costs. Pet health insurance is designed to help cover eligible expenses from these inevitabilities, ensuring that your pet returns to health and happiness as soon as possible.

The premium for pet insurance depends on the type and amount of coverage you choose, the type of pet you have and the cost of veterinary care in your area.

On the surface, this type of savings plan might seem to have more value over insurance, but there can be some challenges along the way. The costs of veterinary medicine are as high as the standards. If a new pet owner puts aside the monthly premium into a puppy/kitten savings account and the new family member gets ill a few months (or even a few years) later, it’s still likely that there won’t be nearly enough to cover the required care.

The other challenge is that if some other crisis arises, your pet’s saving account will most likely be the first one you dip into to cover the costs. Premiums for pet health insurance are very affordable and provide you with protection against significant veterinary costs quickly and easily.