Dog Health Care Insurance
If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!
Ours is a pet loving society, and wherever possible most homes would not be complete without a dog, cat, goldfish, hamster, rat… the lists is long and varied. Most of us understand just how expensive owning one of the larger animals can be, especially dogs. Because of this dog health insurance may be well worth investigating.
There is no doubt that dog owners need to take their pet to a veterinarian at least once a year, for a physical and inoculations. Most dog owners should be prepared for this expense. But where dog health insurance is useful is when your dog has an accident, develops a chronic condition or a terminal illness. Should any of these befall your much-loved dog, the expense of treatment can be staggering.
Taking out dog health insurance can help owners avoid heartbreaking decisions about the future of their pet. Faced with the prospect of a veterinarian’s bill, which could amount to hundreds or even thousands of dollars, those who can ill afford such expense may not be able to provide the surgery or medications needed to get their dog into good health again.
There are many different providers of pet insurance, and each one will offer plans tailored to dogs, with various inclusions. The level of cover will be reflected in the premium, but just about all insurers will cover injury and common medical conditions, although some hereditary conditions may be excluded. Most insurers do not cover vaccinations, or worming and flea treatments – but do ask about them.
Should your dog’s medical condition require a prescription diet, check with the prospective insurer to see if this is covered. Sometimes insurers will cover diet and other extras for an extra premium payment.
Some common exclusions are blood tests, x-rays and ultrasounds. Some breeds suffer from hereditary conditions, and these too may be excluded.
Prices of dog health insurance policies will vary between insurers. Generally, you get what you pay for. Compare the benefits carefully, and don’t opt for the cheapest if it means you will compromise on quality.
In calculating the premium for dog health insurance, insurers will consider the dog’s age, breed, current health, medical history and any past claims. An excess will probably apply, which means the insurer will only pay above a certain amount. For instance, if the dog health insurance policy has an excess of $200 and your claim is for a $300 bill, the insurance will only pay out $100 (or as the case may be, any amount above the $200).
Shop around for your dog health insurance to find the one that is best for your pet. Take the time to get quotes, and clarify exactly what is covered, and more importantly, what is not covered.
If you want more information on dog health care insurance, check out this book called “Pet Insurance.”
Sign Up for Our Newsletter for More Tips, Special Offers, and Coupons.













