Dog health insurance is a way of spreading the cost of veterinary care for your pet. Almost any dog can be covered from a 6 week old puppy upward.
If you are wondering about the benefits of dog health insurance, keep in mind that one in three dogs will need unexpected medical care within the next 12 months, and two in three dogs suffer from a serious (i.e. expensive) medical problem at some time in their lives.
Veterinarians are now able to treat many diseases that in the past would have been fatal for a dog. However, the cost of these new life saving treatments can be prohibitive. It would be terrible to be in a situation where complicated surgery could save your dog’s life, but you could not afford to pay for it. This is happening to more and more people as the boundaries of veterinary medicine are extended.
Having insurance makes it easier for you to deal with situations where the cost of your pet’s care would be very high. If your pet develops a serious illness or has a medical emergency, it can save you a lot of money to be able to claim the costs on insurance.
Another benefit of dog health insurance is that if your pet is insured, you are more likely to take him to the vet whenever he has a health problem. Although we all like to think that our pet’s health would come first in most situations, there might be times when a trip to the vet was put off because of financial concerns. If you have insurance you do not have to be so worried about the cost when your pet is sick.
As with health insurance for your family, you will find that the different plans offer different coverage. Before you decide on any dog health insurance, take some time to consider various plans from several different companies. Some companies will not cover certain breeds, or they may exclude certain conditions that are common in certain breeds, like hip dysplasia.
If your dog has suffered any health problems in the past, you may want a plan that covers pre-existing conditions. This can mean higher monthly payments but could save you money if the condition recurs. For a puppy, you will want to know if the plan covers vaccinations.
You may also want to discuss dog health insurance with your veterinarian. Some vets are linked up with particular pet insurance companies. This makes it easier to make a claim, but you may not necessarily get the best value for your circumstances.
You can often save on the monthly cost of a pet health care plan by accepting to pay a certain amount of the cost each time that your dog needs treatment. For example if you pay the first $50 or even $25 of any claim, you will pay less per month than if you want the insurance to cover everything.
More and more responsible dog owners are taking out insurance these days. Take a look at a plan for yourself. Dog health insurance can protect your pet as well as your finances.