Is Pet Insurance Necessary? and Which One Should I Buy?

Pets are like family members. Even if they are living together with you, they have to be taken care of even when they are sick or not. And of course, the treatment will inevitably come with a lot of expenses. Having pet insurance is a good option wis which can reassure both the owner and the pet. Let’s see which pet insurance is suitable for your pet.

What is Pet Insurance and Is It Necessary?

Pet insurance is a type of insurance coverage that helps protect pet owners from unexpected veterinary costs. it is quite similar to health insurance for humans, providing financial reimbursement for medical expenses incurred for while treating a pet’s illness, injury or accident and includes compensation if our pets cause injuries to others or damage the property. It also includes funeral expenses. Getting pet insurance is a way to express love and concern for your pet. and can give you peace of mind and protection from medical expenses that might occur.

What Factors Should You Consider Before Getting Pet Insurance?

Types and sizes of your pets.

When choosing the right pet insurance , many factors may be considered such as breeds, sizes, habits and behavior. For example, if it is a large dog and behaves mischievously, you should choose pet insurance that has coverage mainly for accidents. Or for small dogs and cats who like to play outside and are known for escaping, pet insurance should also cover lost pet declarations or you can choose an insurance plan that is suitable for owners who don’t have much time to take care of their pet that will provide coverage for alimony expenses so you don’t have to worry about your pet getting lost.

The risks.

There are risks all around. Owners should not overlook it as it can be caused by many factors such as weather, food, pet habits, diseases caused by crossbreeding and also the age of the pet. These are all factors for owners to consider before purchasing pet insurance that will help protect their pets and give owners more at ease.

The acceptable premiums.

After selecting the insurance plan, the next thing to consider is insurance premiums which must be related to coverage and most importantly, it must be an affordable rate that does not affect owners financially. In general, most insurance premiums start from 500 Baht or more, depending on the breed, age, size, and insurance plan of each company as well.

Pet Insurance from dSurance.

To this point, those owners who would like to get pet insurance to protect their pets and want to reduce expenses in emergencies. We recommend pet insurance from dSurance which can provide up to 118,000 Baht*. Premiums start at only 1,950 Baht per year, with an average of only 163 Baht/month. It provides coverage for 10 medical expenses per year. It also covers vaccines fee, advertising expenses for lost pets, and pet funeral expenses and provides death compensation. You can get pet insurance for pets from the age of 3 months to 7 years old without any medical examination and can be renewed up to 9 years (health check-up is required) and there is no need to implant a microchip.

dSurance would like to recommend the XL pet insurance plan which covers expenses from accidents up to 15,000 Baht, twice a year and coverage of medical expenses up to 2,000 Baht, 10 times/year. You can simply apply for pet insurance, just need to prepare the following documents:

1. Fill out the insurance application form.
2. Copy of the owner’s ID card.
3. Copy of the pet’s vaccination book or health certificate.
4. Photos of pets (front, back, left, right and lower abdomen)

Pets are creatures that can get sick just like humans. When you get a pet, you should treat them like they’re one of your family members. Purchasing pet insurancecan help protect the whole life of the pet and also help pet owners manage the cost of veterinary care and provide peace of mind to owners that they have support. However, like any insurance, it is essential to review the coverage, and the terms and conditions of the policy thoroughly to understand what is covered and what is not in order to get the insurance that will suit you and your pet the most.