Our beloved pets are every bit as dear to us as any other family member. Their health and well-being are as important as our own. And just as with our own health, we will go to great lengths to make sure our furry (and feathered, scaled, etc.) friends are covered when it comes to their medical care.
For New Hampshire residents, finding the perfect pet insurance coverage for your pet is as easy as a quick internet search. Every six seconds a devoted pet parent incurs a veterinary expense in excess of $3,000. In the state of New Hampshire, both dogs and cats are most often diagnosed with two health conditions: Obesity and Dental Tartar. While these may seem like moderately harmless conditions, they can easily lead to far more serious and even life-threatening issues such as diabetes and heart disease.
For the average American, pet insurance costs approximately $352 per year. In New Hampshire, this cost breaks down to $32 for cats and $40 for dogs. An example of veterinary costs for the most common conditions found in Labradors (the most popular canine pet in the state) are as follows:
- Cataracts: $1500-$5000
- Elbow Dysplasia: $150-$4000
- Cancer: $3000-$8000
- -Patellar Luxation: $1500-$3000
- Exercise-Induced Collapse: $500-$1000
- Entrophin: $300-$1500
- Osteochondrosis of the Knee/Ankle: $2000-$4000
- Cardromyopathy: $500-$1500
- Portosystemic Shunts: $2000-$6000
Other common conditions for both dogs and cats can include:
- Tooth Extraction: $800
- Skin Mass: $1000 (benign); $1500 (malignant)
- Inflammation/Ulcer/Abscess: $460
- Torn ACL: $2700
- Bladder stones: $1000
Routine veterinary visits are a given for any responsible, loving pet owner. These expenses are generally calculated in to the family budget. However, oftentimes an emergency situation arises in which immediate and/or extensive medical care is necessary.In these instances, pet insurance can literally mean the difference between life and death for your beloved pet. No matter what the reason for your vet visit, you will want the best, most up-to-the-minute medical advances and equipment available for your pet. These can add greatly to the costs you will incur. Pet insurance will help to offset these expenses. You will be so happy to be able to provide the best health care for your pet should an emergency rear it’s head. Better still of course if there is never a need for it, but that is not a chance anyone wants to take with their most vulnerable little family members. An emergency fund set aside for such an occasion can be gone through very quickly, often with little or no results.
On a positive note, pet insurance is available in affordable plans for everyone. It is important to do a bit of research prior to purchasing an insurance plan in order to make sure you get the most for your money and that you choose the most adequate and comprehensive coverage plan for your pet. As a general rule, insurance policies for younger animals are lower priced. As your pet ages and health issues become a greater concern, the costs of veterinary care will increase. This is when an insurance policy will truly prove itself to be worth it’s weight in gold.
Many people think that a veterinary discount plan is just as cost-effective as an insurance policy. A veterinary discount plan involves one or more veterinarians who work within an organized network to offer specific veterinary procedures and services at reduced prices. This is NOT a type of insurance for your pet. It does not cover any costs for veterinary care beyond the limited services it outlines. There is no reimbursement for your out-of-pocket pet care expenses; it will only provide you with some limited discounted services. Anything that may be necessary outside of the specified services will have to be paid for by you.
A pet insurance coverage plan is backed and guaranteed by a regulated, licensed insurance company. It is covered and guaranteed under consumer protection laws and is far more comprehensive and expansive in it’s provision for your pet’s health care needs.
Providing insurance for your pet will give you the peace of mind to know that, should the unthinkable happen, you will be able to make certain your pet is given the best care available and that you will be able to pay for anything necessary to ensure that they will live a long, healthy and happy life.