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Pet Health Insurance


Should You Have Pet Health Insurance Coverage For Your Dog?

We think so... It might not be a bad idea - even if your pet is healthy! As a new puppy owner or dog owner, having pet insurance certainly ensures you peace of mind knowing you can take care of your new puppy in an affordable way.

A pet care plan or pet insurance, for your dog is designed to protect your dog and your finances against health problems, damage caused by your dog and other potentially very expensive possibilities. If any of these are your concerns, you might be wise to sign up for an insurance plan to give yourself more peace of mind. Check all your options before committing to any pet insurance plan.

How horrendous it would be if you're beloved dog needed treatment but you could not afford to pay! Most people are now taking out a pet care plan or pet health insurance to cover their dogs in case of illness or accidents. Pet care plans and pet insurance policies are designed to protect your dog and your finances against health problems, damage caused by your dog, and other potentially expensive possibilities.

Pet Health Insurance Coverage:

Most pet owners are glad to pay for the peace of mind that comes with knowing that veterinary pet insurance will cover the costs of emergency treatment. If you're considering pet care insurance, you'll have to decide first what type of coverage you want for your pet. Different insurance providers have varying terms however, they all tend to cover the following provisions:

  • Veternarian Fees

  • Death of Pets

  • Kennel Costs

  • Missing Dog Benefits

  • Accidental Damage

  • Emergency Pet Insurance

  • Third Party Public Liability

Typically Emergency pet insurance covers the costs of emergency procedures, minus a deductible. Keep in mind that the frequency with which you pay deductibles can vary. One pet insurance company might charge you for the deductible once a year, another might apply a deductible fee for each incident. Doing some homework might pay off for you in the long run.

Emergencies Usually Covered Wth Deductibles:

  • Motor vehicle accidents

  • Allergic reactions

  • Broken bones

  • Ingestion of foreign substances

  • Infections and injuries sustained in encounters with other animals

Did you know your pet's chances of living to a ripe old age are increasing steadily as veterinary research comes up with new life-saving medications and technologies? These miracles, however, come at a price: some procedures cost thousands of dollars as you read the example above about my friend. You may be faced with choosing between the loss of a beloved family member and the liquidation of your savings or mounting debt.

Some Fringe Benefits Coverage:

  • Microchip implantation for locating lost pets

  • Lost and found registry

  • Ear cleaning

  • Dental work

  • Damage to a rental home by your pet

Clearly, the more options you select and the more comprehensive the coverage, the higher the cost of pet health insurance. Before you sign up for any plan, be sure to compute the costs of your expected annual veterinary care and the approximate charges for emergency visits. Then, assess your pet's risk. How much are you willing to dig into your personal funds to save your pet's life or allow him more comfort?

Most insurers offer discounts for insuring multiple pets in one household. Many also allow you to choose any veterinarian and don't limit you to a network of practitioners. A growing trend in companies that have more than 100 eligible employees is to offer pet health insurance as part of an employee's benefit package, greatly reducing the costs of premiums for pet owners.

When you get a quote from a pet insurance provider, be sure to check what the policy covers and ask questions about items that don't appear on the policy. Verify the list of exclusions. Don't be afraid to ask them what medical situations they don't cover!

Until just a few years ago, the idea of having insurance for pets seemed pretty ridiculous, however, these days more and more people are taking advantage of pet health insurance to ensure that their pet will receive the best care available should an emergency arise.

Please Note:  Always consult your dog's veterinarian before making any dog health care decisions. Your veternarian will be able to help you decide the best course of action when it comes to caring for your dog.

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