Prior to just a year ago, I didn’t know pet insurance existed. If you had said, “Do you have pet insurance for your Bully Breed?” I would have had that look of, “Huh? What is that?” I mean, who has pet insurance? What even is that?
I suppose you can almost think of it like car insurance. You pay a monthly premium in the event something happens to your car. Only, with pet insurance, it’s for your pets. I have pet insurance on my Bully Breed, Atlas. Why?
Several reasons. First, what if something happens? Vet bills are outrageous!
[Affiliate Disclosure: This post may contain affiliate links which means I may earn a small commission if you purchase anything through one of the links. However, this will not affect what you pay!]
Accidents Can Happen.
Most of us know that things can happen. At any time. I don’t know about your dogs, but mine like to get into trouble. Atlas especially, is curious. She’s always trying to sniff things out and wander. One of the many reasons I don’t let her outside without a leash. Regardless of that, she can still get hurt.
Even walking our pets, we know not everyone abides by leash laws. In Alaska, dogs are often off leash. If I’m walking one day, and a dog attacks Atlas, I’m screwed. That person may run off. I may not be able to cover the costs associated with an attack. Vets can be costly.
I know that from an attack, the vet bill can be thousands. So, I have insurance and know that if I pay that up front, I’ll get most back.
Pet Insurance Reimburses You.
Unlike most insurance, you still have to pay up front. So, I would have to cover the vet bill, but then I would get the money back. I’ve actually had to make a claim on mine already. Atlas ended up getting yeast infections in both her ears. So, I covered the cost of $497 up front for all the medications.
After paying the bill, I then submitted a claim on her insurance. Now, I will say, there is a deductible that comes with all insurance. Just like with every other insurance out there. So, I didn’t get my money back. However, it went towards the annual deductible. That means, if something else had happened, then I would have gotten reimbursed.
But let’s imagine the worst case scenario.
The Worst Case Scenario.
An ear infection is small in the world of vet bills. Let’s face it, $497 is chump change compared to some things. Had it been worse, I would have been thankful to have pet insurance for my Bully Breed.
In Hawaii, I had a cat that was outside one day. There was a dog that lived not far down the street from us. The dog got off it’s leash and attacked my cat.
This happened in my yard, and technically, I could have forced the person to pay. But they didn’t have any money. What good is it to find fault, when they can’t pay for the vet bill? Well, the worst happened. The dog shook my cat like a milk carton. The owner was able to get the dog off my cat, but the damage was done. The dog has bitten my cat so hard, that his intestines were hanging out.
Now, I wasn’t home for this. Thank goodness I didn’t have to witness this horrendous event. But, my husband did. He called to tell me what happened, but I couldn’t understand him through the tears and frustration. So, I rushed home. What happened?
When I arrived home, I found my cat hiding under the couch, in extreme pain. My husband was in tears and shock and couldn’t focus. So, I told him to lift the couch. I had a towel in my hand already, reached under and pulled my cat out. Yes, he was terrified and cried, scratched, everything. Hence the towel. I wrapped him in it carefully. I told my husband to get in the truck. It took three times of saying this before he looked at me and understood.
Once he was in the passenger seat, I handed him my cat, Persum was his name. I told him to be gentle, but Persum was meowing and crying in pain. I could see his intestines hanging out and knew already what was going to happen. I took him to the ER driving like a crazy person.
The vet took him back right away, and after an hour passed, he came out to talk to me. He told me surgery would be $4K, but there was no guarantee he would survive. The intestines had been punctured, and the risk of infection was too great. I could pay for the surgery, but his chances of survival were less than 5%. Once the feces enters the blood stream, it’s too late.
I chose option two. I had the vet put him down to save his suffering.
What Pet Insurance Would Have Meant.
With insurance, I still would have chosen the latter path I did. I knew his chances were so slim. I hated making that decision, but it had to be done. However, what if his intestines weren’t punctured? What if it was so simple as a dog attack? Then, I would have paid the upfront costs, and been reimbursed 90%. What about those that just can’t afford care? We see them often asking for help. Pet insurance is there to help our pets.
Petfirst Pet Insurance for example covers:
- Ultrasounds and X-Rays
- And much more.
While we don’t always like paying for car insurance, it’s there when we need it. Accidents can happen at any time and often out of our control. So, imagine if something happens to your dog or cat knowing they’re covered. It offers a peace of mind to me, personally. Thankfully, I haven’t had to use it but once. But if something happens to Atlas, I know it’s there.
Not all pet insurance companies cover the same costs. Hereditary issues for example can be difficult to cover. Petfirst covers these costs. For example, if some breeds have eye problems and something happens, you’re covered. Like pugs and sinus issues. Instead of just paying $2K for surgery and not getting it back, now you can.
Always look for the things you need covered when choosing the insurance. It’s very important down the road when you need it. So don’t delay. Get pet insurance for your Bully Breed today. By using this link you’ll save $10 off your first bill!