Getting the right pet insurance plan for your cat or dog is an important way to care for your pet’s health.

Insurance for your furry friend can help to ensure that you can always get the best health care in the case of an accident or serious illness.

Many pet owners shy away from arranging to get their pet insured because of misconceptions about pet insurance.

Are you putting off getting pet health insurance because you are not sure about it?

Find out about the top 5 myths surrounding pet insurance and why you should consider pet insurance today.

1. Pet insurance is too expensive

It is a common misconception that pet insurance is too expensive. Of course, arranging for pet insurance is an extra expense in the household budget. However, if your pet develops a chronic disease or is involved in a serious accident, pet insurance will dramatically reduce your vet bills.

Find out why pet insurance is really worth it and how it can save you money in the long-run.

2. Pets who have had previous illnesses can’t be insured

It is not true that you can’t get insurance for a pet who has had prior health issues. Most pet insurance companies will cover dog or cat health care even if there are pre-existing conditions. However, you can’t get health coverage to treat a pre-existing condition. Any new pet insurance plan will only cover treatment for health issues that develop in the future.

3. You can’t get preventative medical cover

Most insurance packages for pets don’t include preventative medical cover in their core insurance plans. Many companies offer a package of preventative care for an extra cost.

Most pet insurance companies in the U.S. follow guidelines set out by the North American Pet Health Insurance Association (NAPHIA).

4. It is too difficult to make a claim

It is usually very easy to make a claim on your pet insurance depending on your insurance provider. Most veterinarians offer to assist with the claims process and pet insurance companies do pay for legitimate claims for pet health care.

5. Pet insurance will limit my choice of veterinarians

Unlike health insurance for us humans, pet insurance isn’t limited to a small network of medical providers. You should be able to take your pet to any licensed vet in case of an emergency and then receive reimbursement from your insurance company for vet bills.

To find out the best type of insurance for your pet dog or cat, please speak to your local veterinarian. They will be able to advise you on what type of pet insurance would adequate for the specific breed, age, and health condition of your pet.