Do you really need pet insurance? Sure you love your fur-babies, but is getting a separate cover a bit too much?
Of course, getting pet insurance can offer some kind of help with lessening the costs of your expenses. But, up to what extent can it cover? Is the price and additional expense worth it for the benefits you get?
Here’s what you need to know about getting separate insurance for your pets in New Zealand.
Raising a pet is no easy feat, especially when it comes to finances. Every pet owner knows how regular vet visits, treatments, and medications can easily cost thousands of dollars! Raising pets with special conditions such as cancer, diabetes, and respiratory infections can cost even more! Luckily, pet insurance can help you shoulder these costs.
Pet insurance covers not only dogs and cats, but also a wide inclusion of pets such as reptiles and insects. It’s becoming more popular among New Zealanders, especially with policies becoming more accessible and affordable.
The leading insurers that offer pet insurance policies are:
There are several requirements set by the insurance company to get coverage for your pets. It may differ per pet and insurer but generally, pets should only be 7-8 years old.
It can be a challenge to find the right cover for senior dogs as they can also pose a loss for the insurer due to their age. Simply consult a pet insurance company to know your options. This is important to note if you ever decide to adopt senior pets.
The coverage for the pet insurance policy may differ greatly. These are the most common situations that most pet insurance cover.
Note that your policy may incur excess. You may also need to have a co-payment agreement where you share up to 30% of the costs. Of course, you have to pick the right payment option as it can easily affect your premiums.
Getting covered by a policy means you can avoid these common vet bills. As mentioned, you may have to pay for an excess and have a co-payment arrangement for some of these conditions.
Take a look at the most common vet bills in New Zealand.
These prices are only estimates, so some vets may charge more or less. Always consult your vet for more specific prices.
It goes without saying that pet insurance leaves out a wide variety of situations as well. To get some idea, here are the most common exclusions for pet insurance policies in New Zealand.
Remember to always disclose every little detail about your fur-babies to get the right coverage for you.
All is looking good for pet insurance, right? However, will you ever use this to cover the costs of taking care of your fur-babies?
According to the Society for the Prevention of Cruelty to Animals (SPCA) executive director Bob Kerridge, most pet owners use their policy two to three times a year to get coverage for different conditions, especially routine vaccinations.
Although uncommon for most Kiwi pet owners, you can also claim for emergencies and illnesses depending on your policy. This makes pet insurance all the more worth it for a wide range of scenarios that may happen to your pets.
There are a lot of factors to consider if the insurance is right for your pets. This includes their conditions, age, breed, and more. It always changes depending on your situation.
Before finalising your pet insurance, get a customised quote from a trusted provider in New Zealand. Or, you can simply use our comparison tool, right here at glimp!
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