What You Need To Know About Dog Health Insurance

Over the last few years, the cost of maintaining a healthy dog has increased tremendously especially the medical expenses. If you don’t have a dog health insurance, you will be paying through your nose each time your dog visit the veterinarian. Medical bills such as routine checkups, emergency care, preventive medicine, and treatment can run into thousands of dollars in total. So, why don’t you get your dog a health insurance to save you money?

Dog health insurance is very much like your own insurance. It has the common attributes of an insurance policy such as annual premiums and deductibles. Depending on the breed and the package, the premium is not the same for every dog.

Insurance deductibles are different with each plan. The average is about $100. When you choose a policy, the rate will be based on the age, breed, and current health condition of your dog. Whether you keep your dog as a pet or a watchdog, it can also affect the premium.

You also need to look into the insurance coverage. Not all the plans provide the same coverage. Some may cover every medical expense. Others may just allow you to claim when unexpected sickness or injuries occur.

Dog’s age can also influence the coverage. Usually, you can buy a health insurance for your puppies when they are 6 weeks old. However, there are some plans that do cover puppies under 6 weeks old. Most of the policies on the market will not cover dogs that are older than 8 years old. If the health condition of your dog is not satisfactorily, most insurers will reject your application.

The coverage for emergencies usually starts immediately on most new policies, with a 30-day waiting period for illness and other conditions.

Now if you love your dog, then you know how important to keep your pet in good health. Health maintenance for dogs doesn’t come cheap. Therefore, you should think about dog health insurance.

Photo courtesy of cHriSSy1554

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