Spokk’s advice on Pet Insurance: When Should You Get It?

Spokk’s advice on Pet Insurance: When Should You Get It?

You aren’t alone if you were wondering when to get your pet insurance. Most pet parents think their pets are either too young or too old for this. Even when their dogs are in excellent health, individuals still hesitate because they believe it would be an essential expense.

However, life is unpredictable, and you don’t know when insurance will be a lifesaver. Unfortunately,36% of American households can’t cover an emergency of $400 or more with cash. This is according to the Federal report on American economic well-being in May 2021. It’s not nice being on this bandwagon.

Spokk petcare Insurance would cushion you from spending a lot of money when your four-legged family member gets into an accident or is sick. If you need clarification about when to get your pet insurance, read on for all the details.

Better sooner than later: why?

Once you bring your pet home, it’s time to get them a pet plan animal insurance. Getting it early gives you more lifetime value. Insurance for young animals is less expensive than for older animals. Ideally, you should be able to receive it within six months after getting your pet. Pet treatments are expensive.

Also, you can’t predict the future; anything can happen to your pet at any time. The pet could get into contact with electrical sockets, wires, batteries, or open flames.  Always look out for the furry to avoid such. The furry animal might suffer from arthritis at one point in their life. It could be a few months after you bring it home.

Unfortunately, most insurance companies don’t-cover pre-existing conditions. Spokk only covers curable pre-existing conditions. Some pre-existing conditions that aren’t covered by insurance include heart, obesity, cancer, gastrointestinal issues, and kidney problems.

“When to get pet insurance should I?” If this is your question, always get the insurance that covers common diseases associated with your pet’s breeds. Once you get it, be prepared to foot the insurance monthly. Read your provider’s pet plan animal insurance policy and understand what you need to do before making a claim. Ensure the terms are to your liking.

Summer pet insurance

Your pet can suffer or develop different conditions or allergies during the summer. Since it’s a different season, they are exposed to various dangers. Taking precautions is necessary to avoid paying huge medical bills if your furry is sick.

Some of the conditions your pet can suffer from include the following:

  • Overheating;
  • Heat stroke;
  • Dehydration;
  • Sunburnt skin;

Always keep your pets hydrated during summer. Give them plenty of water. The pets could additionally suffer from allergic reactions to summer plants like poison sumac and poison ivy. Some signs of pet poisoning include diarrhea, nausea, vomiting, and convulsions.

The animals could also be affected by ticks, fleas, and other insects which are more active during the summer. A pet wellness plan with your insurance provider can provide tick and flea control coverage. Fortunately, most insurance companies cover accidents and injuries when your pet suffers a severe bite that might require veterinary attention.

Winter pet insurance

A little exposure to cold can harm your pet. Look for insurance that covers conditions that might affect your pet during winter.

During the winter, dogs and cats are susceptible to hypothermia and frostbite. Animals find it challenging to move around because of the cold. Additionally,  dogs can get skin irritation and hurt paw pads.

Given that the cold restricts their activities, they are also more likely to become obese and put on weight. According to the association for pet obesity prevention data in 2018,  50 million dogs are either overweight or obese.

When does pet insurance start to work?

A pet insurance period is the waiting period when you purchase your insurance and when it starts to pay benefits.  The waiting period depends on what you want to be covered.

The waiting period for an accident cover ranges from 1 to 15 days, depending on the insurance company. Most illness covers have a waiting period of 14 days. Lastly, the waiting period for specific problems like hip dysplasia starts working after 6 to 12 months.

When is the best time to get pet insurance?

Pets are exposed to more dangers in summer than they are in winter. However, this doesn’t mean that they are safe during other seasons of the year.  Any day or season of the year, a pet might get ill by exposure to bacteria and viruses, as well as potentially hazardous chemicals or foods

Once you get your pet, don’t hesitate to check the different insurance plans. The sooner, the better.

In conclusion

Pet insurance is an excellent way to get peace of mind.  Illness and pet insurance will help you cover most of your medical bills.  You get financial protection once your pet suffers from any health issues.

Do you have a pet with no insurance coverage? If not, now is the time to get one.