As a pet owner, you take your furry friends to the veterinarian at least once a year for a checkup. But, have you planned for an emergency? Or, if you have a specific breed that’s prone to chronic diseases, like bulldogs, have you thought about cost-saving measures you can take? Pet insurance is a fantastic way to prepare for your pet’s future and ongoing health concerns.

What Is Pet Insurance?

Typically, it’s a way to save you financial stress if your pet gets an injury or illness. Through most insurance companies, you can customize your plan to your pet’s needs. You’ll still need to pay for treatments upfront, but in an emergency, pet insurance will help you cover the costs of veterinary care by reimbursing 70% up to 90% of your payments. 

If you file a claim with your insurance provider, you may qualify for reimbursements for vaccinations, heartworm testing, and spaying/neutering. However, this depends on the policy you signed up for. Pet insurance doesn’t cover pre-existing conditions, and premiums for older animals are usually higher; it’s best to start considering insurance options while your pet is still young.

How Do You Choose?

Consult your veterinarian about the available providers as well as the plans that they offer. Trupanion®, Embrace®, Nationwide®, and Figo® are all considered quality options. Your pet’s species, breed, as well as your personal budget, should all be a part of the decision process.

Compare providers and ask your veterinarian about their experiences with pet insurance companies. Read the fine print about what’s covered and what might affect the policy. 

Give your pet the best care available at Kapolei Pet Hospital in Kapolei, HI. They offer routine veterinary care, dental treatment, eye exams, and much more. Their exceptional staff treats your pet like their own with reliable, warm, and affordable care. They’re proud participants in stem cell therapy to treat common pet health problems like arthritis and hip dysplasia. To schedule an appointment, call (808) 462-8040 or email them. For your convenience, their website offers information in both English and Japanese.