Select Page

Pets can be a wonderful addition to any person’s life, especially in a state like North Dakota. It is full of wide, open spaces that are perfect for exercising dogs and keeping their humans company on long walks. They can also do a lot to keep their people warm on cold nights.

All of those benefits do come at the cost of responsibility. All pets, from dogs and cats to birds and horses, depend on their humans for survival. That normally means that their humans need to provide food and shelter, but it also means dealing with medical problems. No animal can expect to make it through life without needing a trip to the vet, either due to an infectious disease or to an accidental injury.

Why Get Insurance?

Those veterinary visits can get expensive. Even a simple physical examination can cost a lot, and that type of examination is a vital tool for catching problems early and fixing them before they get worse. The price only gets higher if the animal suffers from a serious disease, especially if that disease requires long-term treatment. Most pets are unshakably loyal to their humans, and most people want to repay that loyalty in kind, but the sheer cost of treatment can make that difficult.

Pet insurance offers a solution to that dilemma. It works just like health insurance does for humans in that the company will cover some or all of the animal’s medical costs in return for a regular fee. Most companies will offer a variety of different plans, ranging from options that provide comprehensive coverage to those that only cover a subset of particularly rare and expensive medical problems. Pet owners should take the time to consider the options carefully, since the best deal will depend on many different factors, such as the pet’s breed, lifestyle, and age.

Choosing A Plan

Every plan is different. In most cases, people start by looking at the cost and coverage, but that doesn’t always work to find a good plan. The plan’s price will usually depend more on the pet’s breed and general health than the company, while many companies offer plans that are similar to those offered by their competitors. Fortunately, there are other ways to make that choice.

A company’s policy towards charity can help to make the choice. Most companies that specialize in pet insurance are full of people that love animals, so they tend to dedicate some of their profits to supporting animal shelters and other charities. Some of their larger competitors decline to do so, which means that people who want to support animal shelters should look at smaller companies. Even those companies have a great deal of variation in their policies because they choose to support animals in different ways, so it can pay to examine them closely.

Customer reviews can also help. Pet owners tend to enjoy talking about their fuzzy friends, so it isn’t hard to find reviews for most companies. They can provide information about customer service and coverage problems that are impossible to find anywhere else. The best results come from reading both good and bad reviews about every company to draw complete conclusions about each.

The Choices

The residents of North Dakota have plenty of choices when it comes to pet insurance. The people of the Midwestern states tend to value their animals, so it’s no surprise that many of the most successful companies come from the region.

Nationwide Pet is one of the oldest choices, and it also offers options that are unavailable elsewhere. It is notable because it is one of the few companies that offers a comprehensive plan, and it’s also one of the only options for people who need to get insurance for rarer pets, such as birds.

People who are looking for insurance for their dog or cat should also investigate Embrace. The company offers customizable policies, so it’s reasonably easy for owners to find one that fits their needs. Since Embrace focuses on cats and dogs, it can also offer plans that are designed to provide optimal coverage for each stage of the animal’s life cycle. It also covers a variety of unusual medical problems to make sure that pets are protected even under the worst circumstances.