{"id":488,"date":"2016-06-13T04:18:01","date_gmt":"2016-06-13T11:18:01","guid":{"rendered":"https:\/\/petsent.com\/?p=488"},"modified":"2017-08-10T16:50:30","modified_gmt":"2017-08-10T23:50:30","slug":"pet-insurance-pros-cons","status":"publish","type":"post","link":"https:\/\/petsent.com\/pet-insurance-pros-cons","title":{"rendered":"Pet Insurance: The Pros, Cons, and Alternatives"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_47_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"ez-toc-toggle-icon-1\"><label for=\"item-644ee7695a37c\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-644ee7695a37c\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-visibility-hide-by-default' ><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\/4\/#Pet_Insurance_Exclusions\" title=\"Pet Insurance Exclusions\">Pet Insurance Exclusions<\/a><\/li><\/ul><\/li><li class='ez-toc-page-4 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\/4\/#Pet_Insurance_Options\" title=\"Pet Insurance Options\">Pet Insurance Options<\/a><\/li><\/ul><\/li><li class='ez-toc-page-4 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\/4\/#I%E2%80%99m_Not_So_Sure_%E2%80%93_What_Are_The_Alternatives_to_buying_insurance\" title=\"I\u2019m Not So Sure &#8211; What Are The Alternatives to buying insurance?\">I\u2019m Not So Sure &#8211; What Are The Alternatives to buying insurance?<\/a><\/li><li class='ez-toc-page-5 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\/5\/#Saving_Wisely\" title=\"Saving Wisely\">Saving Wisely<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\/5\/#Care_Credit\" title=\"Care Credit\">Care Credit<\/a><\/li><li class='ez-toc-page-5 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\/5\/#Pet_Assure\" title=\"Pet Assure\">Pet Assure<\/a><\/li><li class='ez-toc-page-5 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\/5\/#Talk_To_Your_Veterinarian_about_Pet_Wellness_Plans\" title=\"Talk To Your Veterinarian about Pet Wellness Plans\">Talk To Your Veterinarian about Pet Wellness Plans<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>\u00ad<\/p>\n<p>Every pet owner has had that \u201cOH $%!^\u201d moment at the vet.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-560 size-full\" src=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-surprise.jpg\" alt=\"pet wellness plan surprised cat at the vet\" width=\"850\" height=\"650\" srcset=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-surprise.jpg 850w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-surprise-600x459.jpg 600w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-surprise-300x229.jpg 300w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-surprise-768x587.jpg 768w\" sizes=\"(max-width: 850px) 100vw, 850px\" \/><\/p>\n<p>The one where the congenial man or woman at the desk quietly hands you a sheet of paper.<\/p>\n<p>On it: several options, each detailing a level of expense and care for your pet.<\/p>\n<p>You stand there for a moment and consider, thoughts derailed by the confusion that is frequently encountered at the veterinary clinic.<\/p>\n<p>It is disconcerting to have to ask yourself, \u201chow much am I willing to pay for my pet\u2019s good health?\u201d That may seem a little grim, but the point isn\u2019t to bum you out.<\/p>\n<p>The vet is asking an important question, one that you <em>should<\/em> consider ahead of time.<\/p>\n<p>That way if there is an emergency, you can, with a clear head, make the best possible decision for your pet.<\/p>\n<p>We love our pets and consider them friends and family members.<\/p>\n<p>Who are we kidding, OUR PETS ARE OUR CHILDREN!<\/p>\n<p>For a number of reasons, however, the law considers them property.<\/p>\n<p>When money becomes an issue, that legal view can clash with our personal perspective of our pets, and it\u2019s those clashing perspectives that WILL cause confusion, anxiety, and sometimes panic.<\/p>\n<p>How do you balance your pet\u2019s health with your bank account\u2019s?<\/p>\n<p>That\u2019s a question every pet owner has to answer for themselves.<\/p>\n<p>Many people are faced with a similar problem when they run into health issues of their own, and so they look to insurance as a fiscal safety net.<\/p>\n<p>Pet insurance can seem like a very good idea.<\/p>\n<p>After all, health insurance, for all its problems, does allow people to find the healthcare they need. Many people assume that pet insurance provides a similar value.<\/p>\n<p>The truth is, while pet insurance <em>can<\/em> be very helpful, the issue is more complicated.<\/p>\n<p>Should you buy pet insurance? Before you decide, let\u2019s look at some facts.<\/p>\n<h3><span style=\"text-decoration: line-through;\">We Love Them Like Family<\/span>: We Love Them Because They Are Family<\/h3>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-561 size-full\" src=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-high-five.jpg\" alt=\"pet insurance because they are our family\" width=\"650\" height=\"650\" srcset=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-high-five.jpg 650w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-high-five-300x300.jpg 300w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-high-five-100x100.jpg 100w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-high-five-600x600.jpg 600w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-high-five-150x150.jpg 150w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><br \/>\n<!--nextpage--><br \/>\nThe cold-hearted financial answer is relatively simple, so we\u2019ll get it out of the way. Economically and statistically, it does not make sense to buy pet insurance. <a href=\"http:\/\/www.consumerreports.org\/cro\/2010\/09\/is-pet-insurance-worth-the-cost\/index.htm\" target=\"_blank\" rel=\"noopener\">Consumer Reports<\/a> compared nine pet wellness plans several years ago, and in each case a hypothetical pet owner paid out more in premiums than they would have if they had merely paid the vet bills out of their pocket (as if that\u2019s possible for most of us). It was only after they gave their example pup a few (purely hypothetical, no worries) health issues that pet insurance began to be worth it. Many pets fall ill in their lives, so the costs may be closer to even over the lifespan of the pet. However, the odds still say it is cheaper just to pay the vet bills and skip the insurance.<\/p>\n<p>Clearly, you can\u2019t anticipate when your pet is going to be sick. There\u2019s no way to buy your pet insurance just before your dog falls ill, then cancel the policy after they are cured. You would have to purchase your pet insurance policy and pay the premiums knowing that you are most likely paying more than you need to.<\/p>\n<p>However, while straightforward pet insurance may not be worth it financially, there are possible ramifications to playing those odds. Sometimes your pet <em>will<\/em> fall ill. If your pet does face a significant health issue, then the cost of treatments can quickly become an issue. While vet bills don\u2019t get quite as high as hospital bills, frequently, the rarer and more involved procedures can cost thousands of dollars. A trip to an emergency veterinary clinic can quickly cost hundreds or even thousands of dollars. The cost of medications can also run up quite quickly. While our emotions say to pour all of our resources into caring for our pet, that is not always possible. If the cost becomes more than you can pay\u2026 Well, that is another decision most pet owners have faced, and it is not a pleasant one.<\/p>\n<p>It is at these moments that pet insurance becomes a much more worthwhile investment. Because you <em>have<\/em> been paying those premiums, you are suddenly able to afford a much wider range of treatments. Now, money may not always, or even frequently be the deciding factor in treatment choice for your pet. However, as in many things in life, greater financial freedom means more options. With pet insurance, you can feel safe knowing that if your pet does fall ill, you are much more likely to be able to care for them.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-562 size-full\" src=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/dog-wheels.jpg\" alt=\"pet wellness plans for sick dog\" width=\"832\" height=\"478\" srcset=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/dog-wheels.jpg 832w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/dog-wheels-600x345.jpg 600w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/dog-wheels-300x172.jpg 300w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/dog-wheels-768x441.jpg 768w\" sizes=\"(max-width: 832px) 100vw, 832px\" \/><\/p>\n<h3>I\u2019m Buying &#8211; What Do I Need To Know?<\/h3>\n<p>As mentioned up above, pets are considered property (legally speaking, that is), and so pet insurance is actually (and, admittedly absurdly) a form of property insurance. It is not health insurance (even though it is considered veterinary insurance), though some policies may look similar to human health insurance policies. When considering which policy to buy, it may often seem like you are comparing apples and oranges, so it\u2019s important to have a good understanding of the basics.<br \/>\n<!--nextpage--><\/p>\n<h4>The Basics of Pet Insurance<\/h4>\n<p>Most people\u2019s experience with insurance usually comes in two forms: health insurance and car insurance. Of the two, pet insurance will in some ways more closely resemble car insurance, at least in terms and expectations. With health insurance, the bill usually goes to the company first, and the patient after. With animal insurance, you will most likely have to pay up front, and submit a claim for reimbursement. As pet insurance becomes more popular and we take better care of our pets, some insurers are offering plans that operate closer to a traditional health insurance plan. These policies, however, are still rare.<\/p>\n<p>Many pet insurance policies will include a deductible. Just like health insurance (and most other insurance policies), this is an amount you must pay before your insurance begins to pay out. A helpful tip is to try to get an idea of how much money you\u2019re spending on your pet\u2019s health per year. If the deductible is higher than that amount, the policy might not make financial sense. If it is on the lower end of the spectrum, then the plan could be a better investment.<\/p>\n<p>Another term that might be familiar is co-insurance. With these plans, after a deductible is paid, the program simply pays a flat percentage of the total cost of your pet\u2019s healthcare. While these are not as popular for human health insurance plans, they can make lots of sense for pet owners who may not be able to afford a more traditional pet insurance policy. Some policies may only pay for particular types of care, however. For example, they will pay for care related to injury, but not an illness.<\/p>\n<p>Instead of paying a percentage, some plans use something called a <a href=\"http:\/\/www.embracepetinsurance.com\/compare\/benefit-schedules\" target=\"_blank\" rel=\"noopener\">benefit schedule<\/a>. These are tables that usually list the maximum the policy pays for an illness or injury and its treatment. They are often bewildering documents that can be difficult to decipher. If you can figure out which row and column apply to your situation, however, you can learn the exact amount your insurance will cover.<\/p>\n<p>The other important aspect to consider is what is covered. Not all plans cover the same things. Some focus more on emergency care; others are more helpful for routine visits to the vet. Most plans will have different levels of care, some covering only injury, others covering illness as well. The more expensive plans will also include the congenital health problems some dog and cat breeds face. With most pet insurance policies, there is a list of things that are explicitly not included. As with health insurance, these are called <em>exclusions<\/em>. Read more about exclusions by clicking the &#8220;next&#8221; button below&#8230;<br \/>\n<!--nextpage--><\/p>\n<h5>Pet Insurance Exclusions<\/h5>\n<p>Perhaps this is obvious, but it has some important implications. None of the Obamacare reforms that have been applied to health insurance for people have been applied to pet insurance policies. You could most likely have guessed that, but what it means is that pet insurance companies are still free to exclude pets from things like pre-existing conditions (or for many, many other reasons that has no rhyme or reason for that matter).<\/p>\n<p>Certain treatments may also be excluded from the policy. Frequently, the most expensive treatments such as organ transplants are not covered. Extra costs incurred through pregnancy may also not be covered. Most importantly, remember that this is considered legally to be property insurance, not health insurance. If the insurer believes that the problem is due to neglect or deliberate injury, they will not pay a claim.<\/p>\n<p>Other exclusions may also include behavioral therapy, limits on surgical procedures, and experimental treatments. You either agree to them on signing day or not.\u00a0 Just make sure you know what they are so your not caught off guard at your most vulnerable.<\/p>\n<h4>Pet Insurance Options<\/h4>\n<p>We found a fantastic slideshare document that is a great resource.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe class=\"lazyload\"  data-src=\"https:\/\/www.slideshare.net\/slideshow\/embed_code\/key\/L8VZlcCuMZRo6M\" width=\"427\" height=\"356\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" style=\"border:1px solid #CCC; border-width:1px; margin-bottom:5px; max-width: 100%;\" allowfullscreen> <\/iframe> <\/p>\n<div style=\"margin-bottom:5px\"> <strong> <a href=\"https:\/\/www.slideshare.net\/caninejournal\/pet-insurance-reviews\" title=\"Pet Insurance Reviews\" target=\"_blank\">Pet Insurance Reviews<\/a> <\/strong> from <strong><a href=\"https:\/\/www.slideshare.net\/caninejournal\" target=\"_blank\">Canine Journal<\/a><\/strong> <\/div>\n<p>We looked at a few options for pet insurance. These include plans that both use benefits schedules, and plans that pay a percentage. To compare these plans, we used a healthy, medium sized dog, about 5 years old. Prices might vary depending on breed and age.<\/p>\n<p><a href=\"https:\/\/www.aspcapetinsurance.com\/research-and-compare\/pet-insurance-basics\/pet-insurance-basics\/\" target=\"_blank\" rel=\"noopener\">ASPCA<\/a> Pet Health Insurance<\/p>\n<p>The American Society for the Prevention of Cruelty to Animals offers three basic levels of insurance. The least expensive was about $12 dollars a month, depending on the breed and age, and only covers injury. The most expensive plan, at just over $40, also covered illness, hereditary problems, and behavioral therapies. These are on the cheaper end of the expense scale for pet insurance.<\/p>\n<p><a href=\"http:\/\/www.petinsurance.com\/\" target=\"_blank\" rel=\"noopener\">Nationwide<\/a> Pet Insurance<\/p>\n<p>Hannah Renaldi wrote a quick overview that can be seen <a href=\"https:\/\/han34renaldi.wordpress.com\/2015\/12\/07\/nationwide-pet-insurance-review\/\" target=\"_blank\" rel=\"noopener\">here<\/a>. \u00a0Nationwide is the largest pet insurer in the US. Their plans allow you to use any vet, anywhere in the world. These plans are more representative of the cost of pet insurance. The most basic plan cost $40 a month. However, this plan had limited coverage for hereditary problems, coverage for illness and injury, and coverage for cancer.<\/p>\n<p><a href=\"http:\/\/trupanion.com\" target=\"_blank\" rel=\"noopener\">Trupanion<\/a><\/p>\n<p>See a quick overview of their service <a href=\"http:\/\/blog.petinsurancereview.com\/index.php\/trupanion-continues-fast-growth\/\" target=\"_blank\" rel=\"noopener\">here<\/a>. \u00a0A policy from this company was the winner of that Consumer Report study a few years ago, giving the most value when the test pup in that study incurred some vet bills. These plans are similar to Nationwide in price, with the cheapest being about $40 as well. Trupanion also allows you to customize your insurance policy by adding and subtracting coverage to find a price you like.<\/p>\n<h3>I\u2019m Not So Sure &#8211; What Are The Alternatives to buying insurance?<\/h3>\n<p>If you\u2019ve decided that a veterinary wellness plan or pet insurance isn\u2019t for you, for whatever reason, you should know that there are some alternatives that might be worth looking into. While not pet insurance, these may help you pay for your pet\u2019s care if it becomes necessary.<br \/>\n<!--nextpage--><\/p>\n<h3>Saving Wisely<\/h3>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-569 size-full\" src=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/IMG_0447.jpg\" alt=\"veterinary wellness plan- kitten sleeping on back with paws spread\" width=\"360\" height=\"480\" srcset=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/IMG_0447.jpg 360w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/IMG_0447-225x300.jpg 225w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/p>\n<p>It\u2019s boring, but it\u2019s true. Saving is a great idea. Of course, you can save money for many reasons, or just as a rainy day fund. But, some have floated the idea that taking the money you would pay toward a pet insurance premium every month and save it instead might be the best way to hedge your bets. You\u2019d end up with some extra cash to draw on if your pet does get sick. And if you need to, you could use that money for other things. That\u2019s also a downside, of course. And saving may not always be an option.<\/p>\n<h4><a href=\"http:\/\/www.carecredit.com\/\">Care Credit<\/a><\/h4>\n<p>If you haven\u2019t been able to put some money into savings, you still may be able to pay for a pet\u2019s healthcare. Care Credit is one way to finance the expense. Unlike many credit cards or banks, however, this is money meant specifically for costs related to healthcare. As a result, their terms can be much more reasonable. Just remember, this is a credit account. This incurs all of the impact on your credit and finances that a normal line of credit implies.<\/p>\n<h4><a href=\"https:\/\/www.petassure.com\/\">Pet Assure<\/a><\/h4>\n<p>Pet Assure is a discount plan, rather than insurance. You pay a small monthly fee ($8 a month for a cat, $10 a month for a dog, though costs might vary depending on your location) and then get a discount of 25% on a whole range of pet-related expenses.\u00a0 This includes health and dental care, and treatments for illness and injuries. The discount is slightly smaller for medications. According to their website, there are no exclusions.<\/p>\n<h4>Talk To Your Veterinarian about Pet Wellness Plans<\/h4>\n<p>Many of the financial details of your pet\u2019s care will be up to your veterinarian. For a variety of reasons, vets can have more latitude for working with you when it comes to making difficult decisions and managing the associated costs. They may have programs that can help financially, or be able to put you in touch with organizations that can help.<\/p>\n<p>The numbers seem to say getting pet insurance is not a good idea financially. Of course, your pet\u2019s health is not a traditional investment, and there is an emotional component to the decision that is impossible to quantify. Whether you do decide to go for the security of a pet insurance policy or look into some of the alternatives, you are planning for your pet\u2019s future well-being, which is never a bad idea.<br \/>\n<!--nextpage--><br \/>\nAdditional Resources:<\/p>\n<p><a href=\"http:\/\/www.nbcnews.com\/id\/43916934\/ns\/business-consumer_news\/t\/pet-insurance-good-deal-or-rip\/\">http:\/\/www.nbcnews.com\/id\/43916934\/ns\/business-consumer_news\/t\/pet-insurance-good-deal-or-rip\/<\/a><\/p>\n<p><a href=\"http:\/\/www.preventivevet.com\/dogs\/is-pet-insurance-worth-it\">http:\/\/www.preventivevet.com\/dogs\/is-pet-insurance-worth-it<\/a><\/p>\n<p><a href=\"https:\/\/www.aspcapetinsurance.com\/research-and-compare\/compare-plans\/know-before-you-buy\/\">https:\/\/www.aspcapetinsurance.com\/research-and-compare\/compare-plans\/know-before-you-buy\/<\/a><\/p>\n<p><a href=\"https:\/\/www.petinsurancequotes.com\/petinsurance\/cost.html\">https:\/\/www.petinsurancequotes.com\/petinsurance\/cost.html<\/a><\/p>\n<p><a href=\"http:\/\/www.petmd.com\/centers\/insurance\/evr_alternatives_to_pet_insurance\">http:\/\/www.petmd.com\/centers\/insurance\/evr_alternatives_to_pet_insurance#<\/a><\/p>\n<p><a href=\"https:\/\/www.petinsurance.com\/whats-not-covered\">https:\/\/www.petinsurance.com\/whats-not-covered<\/a><\/p>\n<p><a href=\"http:\/\/www.consumerreports.org\/cro\/2010\/09\/is-pet-insurance-worth-the-cost\/index.htm\">http:\/\/www.consumerreports.org\/cro\/2010\/09\/is-pet-insurance-worth-the-cost\/index.htm<\/a><\/p>\n<p><a href=\"https:\/\/www.aspcapetinsurance.com\/research-and-compare\/pet-insurance-basics\/pet-insurance-basics\/\">https:\/\/www.aspcapetinsurance.com\/research-and-compare\/pet-insurance-basics\/pet-insurance-basics\/<\/a><\/p>\n<p><a href=\"https:\/\/www.petinsurance.com\/images\/VSSimages\/media\/pdf\/Superior_Plan_07_Ben_Sched.pdf\">https:\/\/www.petinsurance.com\/images\/VSSimages\/media\/pdf\/Superior_Plan_07_Ben_Sched.pdf<\/a><\/p>\n<p><a href=\"https:\/\/www.aspcapetinsurance.com\/more-info\/sample-plans\/NPE\">https:\/\/www.aspcapetinsurance.com\/more-info\/sample-plans\/NPE<\/a><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-568 size-full\" src=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-insurance-pint.jpg\" alt=\"cute kitten in need of pet wellness plan\" width=\"735\" height=\"1100\" srcset=\"https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-insurance-pint.jpg 735w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-insurance-pint-600x898.jpg 600w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-insurance-pint-200x300.jpg 200w, https:\/\/petsent.com\/wp-content\/uploads\/2016\/05\/cat-insurance-pint-684x1024.jpg 684w\" sizes=\"(max-width: 735px) 100vw, 735px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00ad Every pet owner has had that \u201cOH $%!^\u201d moment at the vet. The one where the congenial man or woman at the desk quietly hands you a sheet of paper. On it: several options, each detailing a level of expense and care for your pet. You stand there for a moment and consider, thoughts [&hellip;] <a class=\"g1-link g1-link-more\" href=\"https:\/\/petsent.com\/pet-insurance-pros-cons\">More<\/a><\/p>\n","protected":false},"author":2,"featured_media":4741,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[25,29],"adace-sponsor":[],"jetpack_featured_media_url":"https:\/\/petsent.com\/wp-content\/uploads\/2017\/07\/IMG_3786.jpg","wps_subtitle":"","_links":{"self":[{"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/posts\/488"}],"collection":[{"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/comments?post=488"}],"version-history":[{"count":0,"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/posts\/488\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/media\/4741"}],"wp:attachment":[{"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/media?parent=488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/categories?post=488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/tags?post=488"},{"taxonomy":"adace-sponsor","embeddable":true,"href":"https:\/\/petsent.com\/wp-json\/wp\/v2\/adace-sponsor?post=488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}