San Antonio Texas Pet Insurance | Is Pet Insurance Worth It?

We take good care of our health as much as we’d like the members of the family to be healthy as well. There were even times when we put their wellness first before ours, and that’s because we love them and we want to give them a fabulous life. These members of our family includes not only our wife or husband, parents, and children, but also our pets. In fact, our pet is more like our second half that we reflect our care to them as to how we want to be treated. More than just that, we cannot deny the truth that our pet satisfy our emotional needs in ways more than the surrounding people do.  They are an irreplaceable part of us, indeed, a jewel that we wanted to keep for a lifetime. So what happens when these precious creatures got sick? What should we do? Do we have enough funds to cover the expenses? Do we have to get a pet insurance? Is it worth it?

San Antonio pet insurance is getting popular these days, but numerous pet owners still argue whether getting their pet insured is the right decision. If you are one of these pet owners who are still indecisive about pet insurance, here’s to help you decide wisely. 

1. Cost Calculation for San Antonio Texas Veterinarian Care

The very first thing to consider whether pet insurance is worth it or not is to understand how much their health care can cost without financial guaranteed assistance. According to the statistics of the Texas Veterinary Association, as more technologies are developed in the field of medicine, so is the discovery of better treatments for our pets. And this took us to have higher spending than before. Vaccination and health check alone can cost up to $150 per pet for each visit, aside from that you have to include flea and worm control to secure your pet is growing wholesomely inside and out. Unforeseen health concerns can happen as well like vomiting, sudden weakness, and loss of appetite where you should get your cat or dog check immediately to prevent complications.

2. Chance is Small

No one wants their buddy to feel ill, but do not assume that your pet is fit at all times. Do not leave things to chance, because there might be underlying symptoms of sickness you are unable to see and you could have prevented if you have enough funding to bring your pet to a regular checkup. 

3. Determining Types of Texas Pet Insurance

It is also necessary to learn about the different types of pet insurance in order to recognize whether it is worth the expense or not. By doing so, you’ll be able to identify what’s most suitable for your pet’s needs. 

a. Accident Cover Only

Please take note that this type of insurance does not cover everything and is limited to particular accidents only such as snake bites, scratches from fighting other pets, and broken bones due to accidents. If your pet has a pre-existing condition, for instance, your Beagle just came back from vet care for a fractured leg due to an accident and it makes her clumsier than usual, she wouldn’t be covered if stripped off and injured her other parts of the body. Also, flea and tick bites are excluded from this insurance as well. This type of insurance is often most beneficial for younger pets since they only need to visit their vet for accidents and annual checkups.

b. Accident and Illness Cover

This type of insurance covers the accidents as mentioned earlier, including sickness and disease diagnosed by a veterinarian. Example of illnesses covered is infectious diseases, skin complaints, cancer, and hereditary conditions. However, just like the previous type, this includes some exclusions like a disease with a known vaccine and pre-existing conditions. If your pet is frequently experiencing health problems, you might consider picking this type. But if your pet is prone to possess health issues; Bulldog, for instance, are predisposed to respiratory-related health concerns, you might want to review the next type of pet insurance.

c. Accident, Illness and Routine Care

This third type is also called the Comprehensive level of insurance that includes not only accidents and illness as mentioned above but also consists of a component of coverage for routine care. This type of pet insurance plan gives pets with admittance to some beneficial and preventive health medications such as worming treatments, vaccinations, de-sexing, behavioral therapy training classes, plus dental care. Although this type of plan shields your pet towards plenty of ailments, like the first two types, there are some standard exclusions that you may also find on this policy. First, your guaranteed assistance may be void if there is evidence of animal abuse or neglect, and as discussed previously, anything your pet had experienced before he got insured may not be carried. Ambulance costs and complicated operations like organ transplantations may not be part of the coverage as well. A comprehensive plan is most helpful for our aging pets since they are most likely to acquire age-related diseases and injuries. 

4. Identify your Pet’s Needs

Before concluding whether San Antonio Texas pet insurance is worth it or not, you must first distinguish what your pet needs. Consider the age of your pet, its type of breed, whether it has pre-existing conditions or not, and the possible medication health might demand eventually. If you do this, you’ll be able to choose the appropriate type of pet insurance that is beneficial for your pet and convenient for your pocket.

5. Review Policy Inclusion and Exclusion

The different types of pet insurance stated earlier might have different policies of what is covered and what is not depending on the insurance company where you’d like to enroll. It is essential that you should read and carefully examine the policies before joining to secure that the plan you’ve selected is advantageous for your pet and you. 

Getting a pet insurance San Antonio Tx is like setting up a savings account for your pet. We can never really say whether pet insurance is worth it or not based on a single perspective. It always depends on the pet owner’s emotional connection with their pets, their resourcefulness, and wise decision making.

How to Get Health Insurance

As the saying goes, health is wealth. However, if not taken care of properly, our health can lead us to bankruptcy. Who would not want to be perfectly fit at all times? Everyone does. We enrolled in fitness classes, research about healthy tips, and work on how to prepare dishes that are good for our well-being to avoid diseases. Still somehow, at some point, sickness is inevitable. Or let’s say, we’ve prevented diseases by being health conscious, but how about those unpredicted misfortunes we do not wish to occur? There are health-crippling circumstances that we cannot control, what would we do then to prepare ourselves when it happens? 

Before WWII, a program to help people prepare for future health expenses is not familiar to many. However, after the war, the government mandated a wage freeze as their response to inflation. Due to this crisis, companies cannot give a salary increase to their employees, so they look for alternative compensation to address this. This is how health insurance was born.

Health insurance is a term used to represent any form of guaranteed assistance to protect you against the costs of medical services. It is the same insurance you got for your apartment or car. The only difference is that health insurance covers the most valuable subject, which is our wellness. This type of insurance works best by defending your life savings from being wiped out due to unforeseen major accidents, chronic diseases, and other medical emergencies. Indeed, this can save you from spending your entire savings due to the expensive cost of medical care, which leads most Americans to bankruptcy.

Furthermore, unlike other insurance, health insurance is an irreplaceable necessity that you should not delay. Like for example, if you do not have car insurance, you can ride the bus until you have your car fixed. However, when you broke your neck, you cannot temporarily fix it by yourself until you have earned enough funds to see a doctor.

Depending on your needs, different kinds of health insurance provides a different level of financial protection. Make sure to choose an adequate plan that meets your needs. Before you select your type of care, you have to be familiar with the following terms first.

1. Coinsurance – is the percentage of the bill you pay in case there was a surgical procedure conducted or for hospital stays. There are also instances where you have to copay the doctor’s visit and hospitalization. Usually, a copay for a doctor’s appointment is $20, around $50 for the hospital visit,  and $10 to $40 for each prescription. 

2. Deductibles – this is an annual contribution you have to pay before the insurance company provides their assistance. This payment can range from $500 to more or less $10,000, which starts over every January 1 of the year. Deductibles can be at low cost if you have a company-sponsored plan.

3. Monthly Premiums – this is a monthly payment that insurance companies collect even if you don’t make a claim

According to the Affordable Care Act, personal spending for health care should not exceed above $6,000 for one person and should be limited to $13,200 for one family. After subtracting these out-of-pocket costs, the insurance company should pay the rest of it 100 percent.

However, how do premiums, copayment, and deductible works? Well, the higher you pay for the monthly premium, the lower you pay for deductibles and coinsurance, and vice versa. Many believe that the chance to get sick is small, so they opt to pay for a more economical premium, which leads them later to a problematic scene when they bump into unpredictable health issues because they are obliged to pay for the costly deductibles and copays.

If you have a chronic illness like kidney failure and you know you’ll have to be seeing your doctor regularly, it would be recommendable for you to choose to pay higher premiums than spend more on the deductibles and copay per your appointment.

In general, there exist public and private insurance. Public insurance such as Medicare and Medicaid is available for seniors and low-income families who meet the eligibility requirements. While private health insurance is for everyone and can be acquired through the following:

1. Employment-based 

    a. Large Businesses – most health insurance is sponsored by employers as part of the employee-benefit package they offer. Employers paid for the monthly contributions on behalf of their employees. Typically,  the employer grants up to 85% of the premium for their employees and 75% for their employees’ family, and the employee himself shoulders the rest of the premium.

    b. Small Businesses – some employers do not have the same financial state to incorporate their employees’ health benefits plan. Instead of contracting health insurance company, they fund their own health care programs for their employees.

2. School-based

Many universities and colleges, even graduate, professional, and trade school, sponsor health insurance plan when you enroll. 

3. Individual-purchased

If you are self-employed, you are most likely to purchase your health insurance plan directly from a health insurance company.

    a. Traditional fee-for-service health insurance plans – the most expensive, yet you have the freedom to choose your health care provider.

    b. Health maintenance organizations (HMOs) – this offers less extra copayments, but your chance to select a particular health care provider is reduced to those part of HMO only. 

    c. Preferred provider organizations (PPOs) – gives the same advantage as HMO, but your choice of health care provider is extended to many without restriction.

Health insurance provides plenty of benefits, not only for our health but also to our pockets. You may think that enrolling to a health care plan is an additional burden aside from our bills, but when you are a person of preparation, this benefit is a lifetime investment. 

Love your health, and your health will love you back. Invest in a health care plan, and you’ll reap the fruit by the time you need it. Health is truly an investment. If one wishes to become rich, they must put their health on top of their priority list.