When you buy a puppy, you should also consider purchasing pet insurance for your new companion. Although the expense may seem high, it is worth the peace of mind that you’ll be able to get if something unexpected happens to your pet. You can even switch to a cheaper policy each year if you find out your new pet has an existing condition. However, you should remember that pet insurance is not like home insurance – it is designed to be used and not just stored in a cupboard.
First, it’s important to understand the difference between preventative and curative care. Most pet insurance policies don’t cover routine health care for pets that have already suffered from an illness or injury. If your new puppy has a medical condition, they may not be covered by any insurance plan. If you have a dog that already has a medical condition, you might have to pay for all the costs yourself.
You should also keep in mind that young dogs can enjoy lower monthly premiums than older dogs, so it’s worth it to invest in pet insurance. Plus, young dogs don’t usually have a lot of pre-existing conditions and can have lower premiums. In addition, pet insurance isn’t a substitute for proper pet care, so you’ll have to set aside funds to cover unexpected vet bills.