I don't carry pet insurance for my 4 pets, but I have a plan - Business Insider

. Our new puppy, Claire, brought our fur family to an even four, with two cats and two dogs.

We don't know what kind of trouble our new puppy will get into, but what concerns me more is that we don't know how much of those pet insurance premium payments will actually go towards our puppy's future medical care. Pet insurance costs are specific to each animal and the type of coverage you're looking to buy. That is why many pet insurance companies don't post specific plans on their websites and require you to call or fill out a form for an official quote.

What the representative was implying, I believe, is that we should purchase coverage while the animal is young, prior to a pre-existing condition. That's because pre-existing conditions are not covered under pet insurance policies as a norm. Many major vet bills for young animals were often due to a lack of preventive care. Not vaccinating an animal on time or socializing a pet before the vaccine series was complete meant the animal was susceptible to contracting a disease. Sadly, this required many pet owners to pay up or put down the animal.

Throughout the life of an animal, we know that a few hefty bills due to an ear infection or UTI might be a reality. These kinds of expenses can be covered by pet insurance, but we found an alternative. We prefer to keep our cash in our control, rather than paying a monthly pet insurance premium and crossing our fingers every time we need to submit a claim.

Still, this is not a case where I look back and wish we had been paying for pet insurance. Instead, we had two other viable options to pay off the vet bill.Privately owned veterinary practices often have a payment plan option if you can't pay the bill. Where I was employed, we would offer this on a case-by-case basis.

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