Article From SubmitYOURArticle.com: Pet Insurance: The Most Expensive and Inexpensive Pets To Insure

Often, when people think about getting a pet,
they only think about how fun it will be. A cute,
cuddly little critter of their very own -- what
could be more fun?

The problems start when they realize that, just
like humans, pets should be insured as well.
Often, this realization occurs when they're
buying the pet and talking with the pet shop
employee, but sometimes, it's not until after
they've already gotten the pet that they even
think about pet insurance; they have to take him
or her to the vet and then are hit with a huge
bill.

Before you make any big decisions at the pet
store, consider what kind of pet you want -- and
more importantly, if you can care for it
properly. Hopefully you're realistic about
whether or not you're responsible enough to
regularly feed and pay attention to a pet, but in
case you're still uncertain about the long term
responsibilities, listed below are different
kinds of animals, broken down by how costly their
pet insurance is.

Least expensive:

-Housecats

Housecats that tend to stay inside are less
likely to sustain injury, and other than optional
surgeries like spaying/neutering and declawing,
there won't be a lot of high-cost things to take
care of.

-Non-exotic birds

Birds like parakeets are very inexpensive. The
most costly thing you'll have to worry about is
an egg-binding surgery, in the event that a
female is unable to pass a formed egg. Other
problems such as feather picking or
self-mutilation will be covered by insurance.

-Rodents

Hamsters, guinea pigs, mice, rats -- all these
small mammals are pretty much fuss-free in terms
of insurance. They rarely need medications or
surgeries, so the total cost of their pet
insurance likely won't exceed a couple hundred
dollars over their lifespan.

Most expensive:

-Outdoor cats

Cats that spend a lot of time outside are very
susceptible to injury (like car accidents or bad
falls) and illness. They're also in danger of
exposure to violent or sick animals.

-Large animals

Animals like horses and cattle are some of the
most expensive to insure, because they usually
have to see a specialist. (When was the last time
you sat next to a horse in the waiting room of
your vet?) In the long run, the cost of how much
money you'd have paid without insurance would
greatly outweigh how much you pay for insurance.

-Exotic pets

Exotic pets like hedgehogs, potbellied pigs and
alligators require specific care, and probably by
a specialist. Because they're rare (as pets) most
practicing veterinarians don't have experience
with them.

All of this, of course, depends on the pet
insurance carrier. Don't let price cloud your
judgment too much -- be wary of carriers that are
almost suspiciously inexpensive. Make sure you
read the fine print when researching companies,
and try to have an idea of what kind of pet you
plan on getting to see what kind of coverage
you'll be able to get for him or her under
certain plans.

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