Does your pet need pet insurance?

Two months into Baby G joining our family she jumped off a chair and broke one of her legs. She couldn't walk for a while and we had to use an ugly carrier since it was pre Shaya prototype days. Now we have the Shaya Carrier, but thankfully haven't had to use it for any medical issues.

Anyways, back to the point. We ended up paying $2,000 in medical fees over Baby G's three month recuperation. After this scary (and expensive) incident we purchased pet insurance. Since then, Baby G has had a lot of visits to the vet for different reasons and her insurance has saved us. 

Finding the right pet insurance is getting harder with all of the options out there. If you don't want to search each providers site individually, you can look to Pawlicy Advisors. They help you compare plans for free so you can find the best option for you and furry friend. 

We wanted to share a few things we considered when making the decision: 

1. Do they cover vet visits? Usually, if they cover vet visits this increases your premium by a substantial amount so make sure you consider how often you'll be visiting the vet. 

2. Do they cover pre-emptive care? Vaccines, dental cleanings, and the other preventative treatments are expensive. It might be worth paying the higher premium to make sure you're covered there. 

3. What is their history of raising premiums? You might have to do some digging but you can usually find out how often the company raises its premiums. Pet insurance companies don't cover conditions found while under a different provider, so you don't want to get stuck with the wrong company.