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Is Pet Insurance worth it? | Everything you need to know - YouTube
Channel: Finder Australia
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spoiler alert there's going to be a lot
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of cute pets in this video
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Ozzy's love forking out for their furry
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friends we paid big bucks for premium
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dog food baller outfits customized
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kennels and fancy kitty litter but what
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about pet insurance that's exactly what
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we're here to investigate so let's
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understand what pet insurance is it's
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basically a health care policy for your
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cat or dog and much like health
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insurance for humans it can help you to
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save big or medical costs or in this
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case vet bills for example if your
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four-legged friends well it's something
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that shouldn't have and needing an
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urgent operation to remove it pet
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insurance will cover up to 80 percent of
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the treatment costs this means to the
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thousand-dollar procedure may only leave
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you two hundred dollars out-of-pocket so
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how much does a cost like any insurance
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policy this depends on a handful of
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factors your level of cover along with
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the age sex and breed of your pet can
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all impact the price of your premium on
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average pet insurance for dogs will set
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you back around three hundred and
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seventy two eight hundred and forty
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dollars per year this might seem like a
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lot but when you consider an operation
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can set you back thousands it's a
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no-brainer
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good news for cat lovers cats are
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usually cheaper to insure than dogs and
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their breed won't impact the price of
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their premium the best way to understand
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when to get pet insurance is to
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understand when it's worth it and when
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it's not it can be worth it when your
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pet is young insuring your pet early on
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means they'll still receive cover in
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their old age and this is when health
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problems are more likely to occur older
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pets age seven to nine years and over
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are usually excluded from new policies
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other than an accident only secondly
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when your dog's breed is more prone to
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hereditary diseases some dog breeds are
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much more likely to get sick than others
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and while you may have to pay a higher
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premiums depending on your dog's breed
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you'll be covered for the cost of their
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medical care should they need it down
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the track so if you've got a little
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Frenchie or a German Shepherd it's
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probably a good idea to get cover if
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you've got a terrier or a mix treat you
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might be able to get away without it
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then you want peace of mind
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comprehensive policies include regular
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vet visits and checkups so if something
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doesn't seem right with your best buddy
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you can get it checked out straight away
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plus you won't be faced with a
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heartbreaking reality
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of having to put your pet down because
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you can't afford the cost of treatment
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pet insurance may not be worth it
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for example if your pet already suffers
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from a condition prior to taking out pet
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insurance and you won't be covered to
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that particular issue or any other
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related illnesses this means that if
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your dog has a skin condition and you
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decide to take out pet insurance you
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won't be covered for any skin related
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illnesses in the future even if your pet
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has never had it before secondly if
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you've got enough savings in the bank if
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you're comfortable you have enough
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savings stashed away to cover an
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expensive medical emergency you might be
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better off relying on this instead makes
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you wonder though can't you just stash
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away a little each month to cover these
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bit fields this is a good option if
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you're disciplined by opening a
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high-interest savings account and
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setting aside a portion of your pay each
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week you could build up enough money to
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cover a small emergency however if you
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only start saving once you bring your
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pet home it's going to take you a while
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to build up a decent emergency fund
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which wouldn't help you if an expensive
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vet bill came in straightaway chances
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are your pet is going to have to see a
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vet for an expensive medical issue at
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some point in their life whether they
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get a tick need dental work or break
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their leg the necessary treatment could
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end up costing thousands of dollars by
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taking out pet insurance your
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safeguarding both your furry friend and
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your finances against the unexpected but
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if your pet is too old or too sick to
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qualify for a new policy a savings
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account could be a good option so what
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do you think let us know about your pets
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and whether you think insurance is worth
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it in the comments below if you'd like a
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quote or want to find out more
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information we've got a link below to a
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bunch of providers or if you prefer a
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high interest savings account we have a
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link below to some of those options too
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