Pet insurance: Pros, cons, and whether it's right for you and your Pets

Owing a pet is a privilege but being responsible owner insurance is one of the many ways of caring for their pets, like feeding, grooming and exercise. Animals too are susceptible to illness and injuries as humans. The fact that 90% of the claims paid out in 2013 were for illness as opposed to accidents is a testament to genuine need for per insurance.  

People say the only time you benefit from having a pet insurance is if you make a claim. It’s wasted money. You’ll find that insurance policies have waiting periods and exclusions like cover up to certain age, selected diseases covered and policies may require you to pay the veterinary bill up front, and then claim a refund from them. This means that you still be able to access money to pay for your dog’s veterinary care, before you see any money back from your insurer.

It’s an unsolved dilemma whether pet insurance is a good idea?

It depends largely on whether you could afford a massive veterinary bill, or whether you’d prefer to pay smaller monthly premiums and let the insurer pay out if and when your pet needs treatment.  Pet insurance is like you won’t need to be worried about money when you’re already worrying about your pet health. Pet insurance not only provides cover for veterinary fees if your pet become ill or injured but also grants several other benefits as well like

• Third party liability cover in case your dog inures someone or damage someone’s else property.
• Paying you the price you paid for your pet if it is lost, stolen, or dies because of an injury or an illness before a certain age
• he cost of advertising a reward your lost or stolen per, and the cost of reward itself, if your pet is found or recovered, up to a certain amount
• Paying the costs of looking after your pet if you have to go into hospital for emergency medical treatment
• If you have taken Pet Travel Plan, it will bear the cost of emergency veterinary treatment for your pet even if you take it to abroad also.

Every insurance plan will have some exclusion as well inclusions. So cover provided by different products can vary considerably, ranging from accident-only policies to lifetime-cover policies. Bow Wow Meow Pet Insurance - serving Aussie pets & their family since 1995. On its online portal you can easily compare the features of each plan. Bow Wow Meow’s insurance plans provide genuine life-long cover for chronic conditions and a range of additional benefits.

There are many other unforeseen risks involved in owing a cat, dog or rabbit. Several people don’t care about the needs of their pets and least bothered about buying pet accessories. These days’ people treat their pets as a part of their family, so they are always in look for the latest updates regarding health of their pets. Pet accessories are of paramount importance to ensure healthy and safe living including pet clothes, warm and cold clothes, hats, best food, feeding and grooming products including flea and tick control medicines. It is tiresome to shop from one location to another location so these days’ online pet accessories stores offer best in class solution for this. If you have the specific list that you want to buy, with just a couple of clicks of the mouse, you can purchase your shopping orders and instantly move to other important things, which can save time & energy as well.