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Pennsylvania has a climate that is great for many different pets, but especially dogs and cats. The summers are very warm, and the spring and fall seasons are mild. Colder temperatures don’t usually hit until the month of November, and even then residents of the state can enjoy some really sunny days that require just a light jacket. Pennsylvania pets enjoy the weather, as well, as most days are nice enough to go for walks at the dog park, down the street, or just romp around the yard. And most dogs love to play in the snow, so winters are a bonus!

Unfortunately, all animals can easily end up getting injured outside or fall ill at some point in their lives. It’s at that point many pet owners realize just how much their pet can cost them when it comes to paying vet bills. However, your pet becomes part of the family when you adopt them and it is your responsibility to provide them with quality vet care for any problem, even minor ones. Since your pet can’t communicate his or her needs, when you believe there is a health issue you must take them in to be seen. Pet insurance is vital for all pet owners who wish to provide a high level of care to their pet without going broke in the process.

What Does Pet Insurance Cover?

puppykittensToo many people think that having pet insurance is a waste of time. They may have just adopted a new puppy and don’t believe they will need to see a vet anytime soon. But you never know when your beautiful pet will need emergency care. Pet insurance covers a multitude of issues for pet owners. These include, but are certainly not limited to, the following:

  • Chronic illnesses
  • Accidents
  • Blood tests
  • Ultrasounds
  • X-rays
  • Prescription costs
  • Overnight stays
  • Hereditary conditions

Pet insurance isn’t just for emergencies, however. Many pet insurance policies can be used to cover costs associated with office visits, flea and tick medications, dental care and more. It is important to make sure that you understand what your policy covers before you purchase a plan.

Cheap Insurance Companies

aspcaWe know that you don’t want to pay an exorbitant amount for pet insurance, and you shouldn’t have to. There are many inexpensive plans that still cover a multitude of conditions. For example, ASPCA Pet Insurance allows you to request a quote for free using their website. In just minutes you can see how much you will have to pay for insurance for your pet. You can also add pets to the quote later. This is a great choice when you want to compare different companies to find the one that works the best for your situation.

trupanionAnother company, Trupanion, allows you the opportunity to pick your own deductible, anywhere from $0 to $1,000. This way, you can find the plan that best fits your current financial needs. Illness, injuries, hospital stays, diagnostic tests, surgeries, prosthetic devices and carts and more are covered under this inexpensive pet insurance plan. They cover any illness, provided that it is not a pre-consisting condition, with no cap on treatment. That means they will pay 90% of any vet bill, no matter how high it becomes.

Pet insurance does not have to be highly expensive, but it is important that you have it. Your pet may be healthy today, but a tragic accident can happen in minutes, resulting in extraordinarily high emergency vet bills. Or, your pet may come down with a nasty virus and need to be hospitalized. Whatever the case may be, pet insurance will be there to ensure you have the funds to pay for anything your pet needs.