Pet Insurance: Yes, It Really Exists (Part 3)

Be aware of any waiting periods that are written into your pet’s policy. The waiting period will determine when your pet’s coverage actually begins – waiting periods can last anywhere from two weeks to six months. Once your plan takes effect, you may have to choose a veterinarian from a list of approved providers.

What Are the Alternatives to Pet Insurance?

If your pet does not qualify for insurance or if you simply choose not to buy a policy, there are a few money-saving options you can try. One example is a pet health care discount program (i.e. Pet Assure). When you join the program, you receive a discount (up to 25%) on your pet’s medical care as long as you patronize participating veterinarians. Other benefits, such as prescription discounts and access to product coupons, are also included in the membership fee.

If your uninsured dog needs emergency medical care and you have no funds available, ask your vet if their clinic offers any sort of emergency funding. Sometimes veterinarians will set aside funds for pets whose owners cannot afford care, especially if the treatment does not involve long-term care and multiple visits. If there are no such funds set aside, you may be able to finance the fees. A final option (and definitely a long-shot) is the humane society or non-profit pet support group that offers financial aid. You have to apply for their limited funds and few applicants actually receive enough money to pay the totality of their pet’s medical bills. Insurance is really the only way to make sure that your pet can receive costly medical care if he needs it.

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