Should You Get PET INSURANCE?

How to decide if coverage makes sense for your family

We all love our four-legged family members, but it can be very expensive to care for them. Insurance for pets is similar to health insurance for people in that there are a variety of companies, plans and levels of coverage to choose from. Despite the growth in the number of plans, many pet owners don’t have insurance. Here’s what to consider if you’re thinking about getting insurance for your pet.

WHAT IS PET INSURANCE AND WHAT DOES IT COVER?

Pet insurance is a health plan that covers specific medical exams and treatments. Each company has a distinct plan and coverage options that vary. Among the most common plans are Nationwide, ASPCA,

Embrace and Fetch.

By Jennifer Amato

A sample pet insurance policy can range anywhere from $11 to $70 a month, depending on the animal’s species, breed, age, pre-existing conditions and where you live, according to U.S. News & World Report.

The cost of coverage also depends on the level of care you choose, according to the Insurance Information Institute. Basic coverage includes accidental injuries and illness, but not cancer; comprehensive office visits, diagnostic tests, X-rays, lab fees and prescriptions; and wellness care would provide reimbursement for preventative care, including vaccinations.

Kimberly Schwartz, DVM, a vet at Country Animal Hospital in Old Bridge, says there are a good number of insured pets who come into