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Should You Buy Dog Medical Insurance?
With all the things in today's world, is dog medical
insurance another thing you should have on your mind? The
simple fact is yes. There are several practical and logical
reasons why buying dog medical insurance is not only beneficial
to you, but to your family and dog also. This article will
briefly explain some basic costs and coverage facts, and also
some very important reasons why dog medical insurance is needed.
-Quick Cost Facts-
Medical insurance for your dog, like medical insurance for
yourself, has annual premiums and deductibles. * Dog insurance
premiums depend on the breed of your dog and the type of policy
you decide upon. If you have more than one dog, there is usually
a reduced rate after the first policy.
Dog medical insurance deductibles can vary as well. The average
annual deductible is about $100. You may choose among different
coverage plans which are based on your dog's age, breed, and
pre-existing medical conditions. Some policies even consider the
dog's lifestyle; for instance, whether your dog is purely a pet
or a watchdog, too.
-Quick Coverage Facts-
Dog insurance healthcare plans can vary greatly. Some canine
medical plans are quite comprehensive, covering annual checkups,
routine care, vaccinations and other preventive medications, and
spaying/neutering, as well as illnesses and accidents. Others
only cover unexpected sickness or injuries. Dog insurance
coverage for emergencies begins immediately on most new dog
health plans, with a 30-day waiting period for illness and other
claims.
Your dog's age can affect your dog's medical insurance coverage.
Typically, policies begin veterinary healthcare coverage when
the dog is 6 to 8 weeks old, although some will start when the
dog is younger. Similarly, some dog health insurance companies
only will cover dogs under 8 years old unless the animal was
already insured with them before turning 8.
Many dog medical insurers will not cover your pet if she has a
preexisting condition or a terminal illness. Some will insure
the dog only if the condition is controlled or stable, usually
for 6 months. With all these options, it is important you check
out the various dog health insurance companies, their pet
insurance policies and corresponding dog healthcare plans.
-Reasons to Purchase Dog Medical Insurance-
Peace of Mind: No one plans on their dog getting sick or
being in an accident. With dog medical insurance, you don't have
to worry about being faced with unexpected medical bills. You
will be able to provide the best possible care for your pet when
the unexpected happens. Responsible Care
In many European countries - like the UK and Sweden - insuring
your pet is just as common as insuring your home or car. It's
second nature. Today, responsible dog ownership is about more
than loving them - it means being able to provide the right
environment, stimulation, lifestyle, exercise and activity
levels, nutrition and health care for your dog. If your dog is
in an accident, it deserves to have proper treatment in order to
survive. With dog
medical insurance, you will be able to provide
this for your dog.
Financing Your Dog's Health: We all have the best
intentions when it comes to saving money for emergencies,
however it seems like something always comes up and we're back
to square one.
Dog medical insurance plans are like an emergency fund that
never runs out!
Dog medical insurance is a way to budget and control the cost of
keeping your dog healthy. You'll always know your monthly costs
so you won't be caught unprepared in the case of an emergency.
You'll be free to provide your dog with your love and attention
in the times of most crutial need.
In fact, dog medical insurance saves you money. Veterinary costs
have been increasing rapidly over the last ten years. If you do
not have a dog medical insurance, you are responsible for paying
for everything: routine checkups, preventive procedures,
emergency care, and disease treatments. All of these costs will
add up to hundreds, if not thousands, of dollars over the span
of your dog's life.
Avoiding Difficult Decisions: Did you know that many dogs
do not receive potentially life-saving treatments because the
cost is too great for the owners to bear?
Dog medical insurance allows you to provide your dog with the
best possible care. Decisions regarding treatment are no longer
complicated by financial restrictions. Treatments that may
otherwise be unattainable can be provided without a second
thought. Your primary concern becomes the health of your dog,
not the cost of care.
Planning for the Future: When you insure your dog before
it develop any health problems, you are completely covered if
they develop anything in the future.
With dog medical insurance, your dog will be covered for any
conditions that does not exist before enrolling or that arise
after the waiting period. Don't be caught unprotected. Insure
your dog before anything happens.
Protection from the Unexpected: When people choose their
dog, they often plan for how compatible that species or breed
will be with their lifestyle. However, few people budget for the
common illnesses and medical problems associated with their
dog's type or breed, or for the additional accidents or mishaps
that occur over the course of an average dog's life; things like
ear infections, fights with other dogs and swallowing foreign
objects.
Dog medical insurance is your way of preparing for the costs of
these unexpected occurrences, so you can go on with your life as
quickly and easily as possible.
--------------------------------------------------
In short, if you care about your dog, you should care about his
health. If you care about your wallet, you should care about
your dog's health insurance coverage, too.
About the author:
Dog Medical
Insurance
Andrew Ziebarth owns and operates many dog health and
information sites, including one about dog medical insurance.
Check it out for tips, and even a RISK-FREE, NO-COST quote for
dog medical insurance: http://www.dog-medical-insurance.info
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