Pet Insurance Cover for Euthanasia

When a pet is no longer capable of enjoying a good-quality life because of age or terminal illness, its owner might consider putting an end to its suffering. Euthanasia is a humane way to put your pet out of its misery. Vets can carry out this procedure at a pet hospital or a veterinary clinic. Some pet owners prefer to be present while others decide to leave the room when this process is carried out.

A few people choose to get this procedure done at home so that the pet passes away in an environment that is familiar and comfortable.

The process starts when the vet gives the pet a tranquilizer that calms and relaxes them, followed by the lethal injection. This injection makes them unconscious and stops the brain’s functions without any pain or suffering.

While it may be hard to make a decision about this procedure, sometimes it is the only option for your pet. Therefore, when you are getting an insurance plan for your pet, you need to look at the policy’s benefits and whether it provides coverage for euthanasia.

Does pet insurance provide coverage for euthanasia?
Most of the insurance providers extend coverage for euthanasia. Your pet’s policy might stipulate a minimum age before the coverage activates in case of any illness or injury. Some insurance providers might also direct you to specific vets to certify the need for the procedure. Coverage for euthanasia is only provided if it is necessary and humane due to an incurable or terminal illness or an injury. However, even if insurance providers offer coverage for euthanasia, they include a few common exclusions in their policies.

Here are some pet insurance providers who offer coverage for euthanasia:

Trupanion
Trupanion was created with a view to help your furry family members. Once a claim is submitted, they will cover 90% of the eligible expenses. Trupanion covers the cost of euthanasia if the veterinarian suggests it because of the progression or presence of an incurable condition.

Healthy Paws Pet Insurance
Healthy Paws is a non-profit pet insurance provider who has assisted many pet rescues and animal care shelters. It offers services for homeless and sick pets through their Every Quote Gives Hope medical assistance program. This pet insurance provider is willing to cover the expenses of euthanasia if it is medically essential for a situation. However, it does not pay for the cost of aftercare procedures such as cremation or burial.

Economic euthanasia is heartbreaking for pet-loving parents as well as for dedicated vets who are willing to work hard to save a pet’s life. However, in some cases, pet owners are unable to cover the rising medical expenses of their furry companion, and thus have to make the painful decision of putting their pets to sleep. Pet health insurance can help in reducing the cases of “economic euthanasia” wherein a pet owner may feel the need to euthanize an animal due to the unmanageable expenses of essential medical care. With the right pet insurance policy, you can give your pet all the care they require to make them better.

Pet insurance policies do not have any benefits similar to life insurance, although they may cover the cost of euthanasia. Even though personal motivations might vary, most pet owners decide to take this step only when the situation is beyond all hope.

With the right pet insurance policy, you can plan and care for your pet’s medical expenses due to an injury or old age. Thus, you can avoid the financial burden of unplanned medical procedures, and ensure that your pet lives a long and healthy life.