Medical Aid for Pets – A beginners Guide

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More than a third of pets will get sick or hurt every year. While veterinary medicine has come a long way, an unexpected trip to the veterinary clinic or the need for surgery can quickly rack up bills in the tens of thousands of Rands.

However, many of us cannot afford the sophisticated treatment that contemporary veterinary science offers for our animal companies. Pet owners who have pet cover never have to weigh the cost of a lifesaving procedure against the value of their companion animal.

Here, we provide a beginner’s guide to medical aid for pets to help you understand how you can protect your fur-kids and your wallet from the costs of life-saving veterinary care.

What is pet insurance?

A pet owner can protect themselves financially against expensive emergencies by purchasing pet insurance. This is often for expensive veterinary care they might have to forego otherwise due to an unexpected crisis.

If you didn’t have pet insurance, you’d have to make tough decisions about your pet’s care without financial protection.

If your pet gets sick and needs emergency care, hospitalisation, and/or rehabilitation, you can get coverage through a pet insurance policy. Skin illness, gastrointestinal issues, and lameness are very common and can be quite expensive to treat.

Then there are the unavoidable mishaps, such when your pet is hit by a car, ingests a deadly flower, or swallows an unwanted object. Accidental expenses are typically covered by pet insurance, up to the policy’s annual maximum.

How pet cover works

Pet owners can pick the best option for their needs, preferences, and financial situation. They must pay a premium on a regular schedule (monthly or annually).

As long as they keep making their payments on time, they will be covered. No matter how old their pet is, they can still file claims for care under their selected plan.

What many pet owners don’t realise is that purchasing pet insurance is really just entering into a short-term contract with an insurer based on a set of estimated risks relevant at the time of purchase.

This essentially makes it a month-to-month commitment that can be terminated at any moment. Your premiums and policy terms, such as excesses, will be determined in part by how often you file claims.

Your coverage and rates will be revaluated each year at renewal to account for inflation, rising veterinary costs, and other factors.

Here are two of the most crucial aspects of pet insurance:

  • Pre-existing conditions are not covered by pet insurance.
  • Pet insurance, like vehicle or home insurance, is not intended for routine care or several claims for the same condition.

How pet insurance covers you

Pet insurance coverage, like medical aid, come in a variety of shapes and sizes. The coverage you receive is determined by the plan you select. The greater the cost, the broader the coverage.

In-hospital and post-surgery treatment should be covered by basic pet insurance coverage. This includes follow-up visits and diagnostics following mishaps such as allergic reactions, car accidents, and injuries caused by other animals.

Limited plans cover a set number of claims within a set amount of money for both accidents and illnesses. They do not provide additional coverage such as rehab or supplements.

Accidents, diseases, and emergencies are all covered by a comprehensive plan. There are also other advantages such as prescription food, behavioural treatment, and holistic wellness (which may include physiotherapy, homoeopathy, hydrotherapy, acupuncture, and other therapies).