Pet Insurance is a fairly standard healthcare policy in which typically monthly payments to an insurance company, can help to pay off large, future vet bills either wholly or partly, depending on whether or not a person’s pet qualifies. By paying a premium most medical costs are reimbursed. While the cost of insurance can seem like a lot (it is dependent on how comprehensive you want your coverage to be, the pet you have, and where you live) at first as they want you to pay out of pocket and then file a claim with your insurer to be reimbursed, without it you could end up paying out of pocket for anything from a split-tail caused by a too-happy large dog to something more serious like feline aids, or even cancer.
However, each insurance varies on what type of surgery or medical care they can take care of (like how home insurance may cover a flood but not a volcano). The majority of insurance companies have a waiting period to prevent people from applying while their animal friends are already sick. As so few insurances cover pre-existing issues (such as if a great dane had a heart defect from birth; something common with that breed of dog). The few that do will more than likely only pay for part of the care or medication. Most insurance don’t cover hip dysplasia, grooming care, behavioral problems, dental care, or elective surgeries.
Elective surgeries for pets pertain to those requested by the pet owner rather than suggested by a veterinarian after a physical exam’s findings, blood work or x-rays. Typical surgeries suggested by a veterinarian for the health of the pet are: the removal of lumps, tumours of the skin, subcutaneous tissue or muscle, treatment of abscesses and other wounds,cystotomy-removal of mineral stones from the pet’s urinary bladder, dental surgery (teeth are very important), and abdominal surgery to remove intestinal obstructions or masses.
All things pets would need to be taken care of to live comfortable lives. Elective surgeries on the other hand typically only mean when a pet is spayed or neutered.Spaying refers to the removal of the reproductive organs of female dogs and cats, while neutering is the removal of the testicles in male dogs and cats. The surgeries are always performed while the animal is under anesthesia. For decades it was normal to allow dogs and cats to mate as they pleased which led to overpopulation, an increase in animal abuse and abandonment. This is starting to change though, as out of the top pet insurance providers, seven of them offer the purchase of a wellness plan, which provides coverage for routine and preventative care. Depending on the provider, wellness plans may include sterilization as a covered procedure. As people are starting to understand the harm that can happen to a pet or want to prevent unexpected and unwanted litters from coming to harm.
Another common reason to spay or neuter pets is to reduce or eliminate unwanted behaviors. For males, these behaviors include spraying their environment, which often includes the walls and furniture in the home, and running away to roam the streets due to an instinctual urge to mate.
Also Read: Does Pet Insurance Cover Cataract Surgery?