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It is estimated that one percent of cats, and less than five percent of dogs are covered by pet insurance. However, if you do not have pet insurance, then you should definitely consider purchasing it. You never know when a medical emergency may strike. However, one of the best things that you can do to prepare for a medical emergency is to get pet insurance.

Get a Plan That Fits Your Budget

The cost is one of the reasons that many people opt not to get pet insurance. However, it is possible to get a plan that fits your needs and budget. You also have the option of playing the insurance quarterly, monthly or semi-annually.

Chance of Having Medical Problems Increases as Your Pet Gets Older

It is exciting to see your pet grow older. However, the older your pet is, the more likely he or she is to have health problems. Not only is your pet more likely to have health problems, but health problems in older pets are more expensive to treat.

Choose the Coverage You Need

Some people only want to have insurance to cover major accidents and surgeries. Others want an insurance plan that will cover routine examinations and vaccinations. You can select the coverage that you want. However, it is a good idea to get a plan that covers vaccinations and routine examinations. The cost of basic vet care is also going up.

Peace of Mind

Dealing with a sick pet is hard enough already. However, if you have pet insurance, then you will have one less thing to worry about. You will be able to spend more time focusing on getting your pet well instead of worrying about how you are going to pay for the treatment.

The amount of coverage that you get can vary. However, you can get up to 80 percent of the cost reimbursed on many insurance plans. Keep in mind that it is easy to get reimbursed. Most insurance companies require that send them a receipt from the vet. After that, you will be able to get your check within a few weeks.

Protect Your Emergency Fund

Many people have to take money out of their emergency to pay for vet bills. However, you will be less likely to need to use your emergency fund if you have pet insurance. You can save this money for other unexpected expenses, such as vehicle repair.