Pet Insurance—Should You or Shouldn’t You?

One of the greatest joys in life is being able to share your home with a pet cat or a pet dog. Not only do they offer protection, companionship and loyalty, pets also offer us love. Therefore, it is not much of a surprise that pets win their owners’ hearts rapidly and become members of the family. The bad news is that pets are just as likely to go through accidents or go through illness as much as every other family member. At times, this becomes even more true. From allergies, falling down the stairs, cancer or car accidents, it is not unusual for pets to need the expert care of veterinarians. This can even happen at a time when money is the last thing you really want to think about. For this reason, you get the chance to manage associated risks with the right insurance program for your pet. Most pet owners believe that finding affordable, flexible insurance programs will give you peace of mind when it comes to your pet.

Insuring Your Pet

Policies of pet insurance protect your pet against risks to wellness, illness and accidents. These are the type of expense that can arrive when you are expecting it least. Fees at the vet can be very pricey and you might have to face a large expense when you own a dog that becomes ill. If you buy insurance for your pet, the company will pay costs at the vet if your pooch or cat becomes ill. This may even protect you from large future expenses. As a general rule, there are available pet insurance policies for animals that include rabbits, pigeons, reptiles, turtles, horses, fish, birds, cats and dogs. You can keep your pet healthy and fit by availing of insurance policies that are right for your needs.

Claim Limits

There is a limit for pet claims for between two and four million for liability claims as of the year two thousand and ten. These also make an inclusion of endorsements that are not that common providing coverage for control, custody and care of pet clients from ten to two hundred thousand dollars for each occurrence.


Usually, the pet insurance coverage includes negligence claims that include lost keys and fire damage. Plans of insurance also provide pet transport coverage. Most insurers for the pet industry also provide control, custody and care liability for every animal minus the loss of income that happened if the animal was involved in farming or other business ventures.

Mark Perry is a dedicated veterinarian for Canada Vet with over 20 years experience. A farm boy born and breed, Dr Perry loves all animals but he has a special place in his heart for working animals, particularly working dogs and horses.