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Many Delaware residents are considering pet insurance as a protection for their furry family members. While such coverage rarely covers expenses in full, it can often defray costs such that pet owners do not face the painful decision to either put a beloved pet to sleep or go into significant debt to pay for expensive, life-saving procedures and treatments.
As veterinary medicine has made incredible progress in its ability to treat a range of conditions, the costs of such treatment have also skyrocketed; for example, treating liver cancer in a dog can cost nearly $9,000, while removing a foreign object from a cat's digestive tract can result in a bill of more than $2,000. Pet insurance allows people to plan for possible illnesses and injuries in the future so that if something does occur, they can focus on getting their pets well rather than on their bank accounts.
As there are a number of companies offering pet insurance in Delaware, prospective customers should shop around to find a plan that best suits their needs. Some prefer a comprehensive plan that includes not only catastrophic coverage but also routine annual checkups, vaccinations, and even spaying or neutering; naturally, such plans will also have higher premiums. Others prefer to pay for more predictable expenses out of pocket and select a plan that will cover any unexpected, major conditions.
Regardless of the type of plan chosen, consumers should be sure to understand all of the conditions of the policy, as pet insurance tends to differ in significant ways from plans offered to humans; older pets may not be eligible for coverage, and some breeds (e.g. chow chows, Lhasa Apsos, and Rottweilers) may only be covered by limited plans, if at all. Pre-existing conditions are also allowed to be excluded by pet insurance companies.
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