Have you considered low cost pet insurance and its importance in your life? Having a pet brings its joys for the whole family, but unfortunately, it also comes with its worries. Such as wondering what you’ll do when your beloved pet gets sick or injured.

Do you know where to find low cost pet insurance? This could be one of the most important things you do as a pet owner since no one wants to be in the terrible position of having to choose between a pet's life or paying for its medical bill.

In this article you will learn why having pet insurance is so important, what kind of insurance is available, and also where you can find the lowest costs.

Why it’s so important...

The first thing you have to remember is that pet insurance is very similar to regular health insurance and that not all are created equally. Some may cover the majority of emergency visits, while some may only cover half. Also, you have to keep in mind the costs of regular checkups that are not only important to make sure your pet is healthy and that nothing has come up, but also because of necessary immunizations.

When the unfortunate and unexpected sickness or accident happens, you want to be prepared to take your pet to the vet as soon as possible without having to worry about expenses. With insurance, you will never have to think twice about what you’re going to do – and this is a very comforting position to be in.

What kind of low cost pet insurance is available?

The range of pet insurance is very similar to regular health insurance. You can get practically full coverage – which includes really low co-pays for regular visits and low deductibles for major vet visits - but then you’ll also be paying a premium.

The age, health history, and breed of your dog or cat will have a big effect on the cost of the insurance. Pure breeds are more expensive than mixed breeds, because the latter tend to carry less genetic health issues. Also, dogs are generally more expensive than cats because of their size and other factors.

What you want to do is compare prices, but you have to do it in a smart way. When looking at different pet insurance sources you want to be comparing apples to apples, meaning you look at the prices while maintaining the same criteria...like deductibles, co-pay, where your animal is covered in your area, and so on.

Where to find the lowest costs...

There are quite a few different places to find low cost pet insurance. One of them is to ask your current vet, or even to go into a local vet and ask for different pet insurances that are available in the area. There are also numerous places to price compare online.

From my experience, I have been able to find some for only $12 a month, which is really good in comparison to what I’ve seen other people pay for pet emergencies.

To give you a real life example, I had a friend whose small dog’s toe got stuck in an escalator and had to be rushed to the vet immediately.

Unfortunately, the dog lost the toe, and because they didn’t have pet insurance, they were stuck footing the $1200 medical bill. Luckily, the dog ended up being fine, but it wasn’t until about a year later before my friends were able to finally finish paying off the bill.

Don’t put yourself in that situation. Start comparing your different low cost pet insurance options today so you can have peace of mind before something comes up.