Why You Need Pet Insurance Before Winter Comes Down – The Motley Fool | CarTailz

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There are even more dangers for your dog and cat these days.

Important points

  • Vet bills can get expensive.
  • In cold weather there is a risk of slipping on ice and frostbite.
  • Your pets are also at risk from your holiday decorations and visitors to your home who may not be aware of your routine — or what your pet may or may not eat.

If you have pets, chances are you love them like family, and the holiday season is a great time to be thankful for them. I’m personally lucky to have my three cats – they bring me so much joy. While we love our pets, we probably don’t love the money they cost us in the form of food, toys, and especially veterinary care. The good news is that for a set amount per month, you can get pet insurance that can help cover some of those medical expenses.

Pet insurance coverage comes in a few different flavors. There are guidelines that can help cover the cost of routine and preventative measures like spa visits, annual vaccinations, and flea and tick treatments. However, where pet insurance really shines is in reimbursing pet owners for accidents, illnesses and major medical needs of their animals.

While having pet owners reimburse vet bills is a more common practice with pet insurers, you can also find some that pay your vet direct, so you don’t have to fetch your credit card at the vet’s office.

If you’ve considered pet insurance and were just trying to decide when to buy a policy, now is a good time to move on. Why? Winter can be dangerous for your pets due to a number of hazards that are not as common during the rest of the year. Here are some examples.

Cold weather

Some people love cold and snow – I’m not one of them. But as a human, I have the ability to wrap myself (and complain) in warm clothes. Your pets have fewer opportunities to cope, and it’s important to watch out for hypothermia and frostbite in the winter. Paw pads and earplugs can be particularly sensitive parts of your pet’s body, so make sure they aren’t outside longer than necessary during extreme temperatures. Your pet can also be at risk from slipping on ice and snow, so use caution on those winter walks. Also, some health issues can cause your pets even more discomfort in cold weather, such as: B. Osteoarthritis in older pets. If your pet suffers from a cold-related medical condition, you’ll be glad you have pet insurance.


Many people travel on vacation and often bring their dog with them. But being in an unfamiliar environment can bring the possibility of more accidents. If your puppy is accompanying you to your parents’ New Year’s Eve party and they haven’t puppy-proofed their home, you could end up with a hefty bill if the puppy chews and swallows something dangerous. And if you are traveling with family and get into a car accident, your pet could be injured. While some auto insurance policies cover a driver’s pets, not all do.

visitors to your home

Conversely, taking in family and friends during the holiday season can also pose a hazard to your pets. Perhaps your cousin is unknowingly feeding your dog onions or some other food that is toxic to dogs, and you have to rush to the vet. If you have family members living with you who aren’t familiar with your routine, they could also accidentally let the dog or cat outside, and their risk of injury (eg, from a car accident) increases exponentially.

holiday plants

Finally, winter is a time when many people display beautiful plants like holly and mistletoe in their homes. If you have an inquisitive cat that likes to chew on plants, eating holiday plants could put them at risk of illness or worse.

I hate to say it, but even your Christmas tree can be a hazard to dogs and cats. It’s a tall, not always entirely stable structure, complete with fragile ornaments (often made of glass), tinsel, ribbons and lights attached to your wall. It pays to be careful with the festive furnishings you bring into your home and consider getting pet insurance before you fully focus on the holiday decor.

Winter can be a time of love and nurturing (not to mention great food), but it can be a particularly risky time for your pets (and, consequently, your wallet). If you’ve been waiting for a sign to get pet insurance from a reputable insurer, then you’ve got it – before winter gets in full swing.

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