With rising health care costs, taking care of our loved pets is getting more expensive. The aim of this comprehensive dog insurance buyers guide is to help you take the right decision in securing your pet’s health.
Dogs are great pets, but to most of us, they are more than just pets. They are our friends, confidants, protectors and guides. If a critical illness or injury happens to our dog, we take all the available measures to help the pet. In such cases, the veterinary hospital or clinic bills can nearly break your bank. When you have the right dog insurance, you can be rest assured as you will be able to provide for your pet’s health care needs. Read this dog insurance buyers guide further to know how to buy dog insurance.
Dog insurance helps you cover regular medical treatments and unexpected medical expenses for your dog. This type of coverage helps you focus on getting the best medical treatment for your pet, rather than focus on what you can afford.
Generally, dog insurance plans cover the diagnosis, medications, surgeries, clinic visits, treatments and hospital stays for illnesses and injuries specified under the plan. Congenital and hereditary conditions are covered by most insurance providers, as long as they are not pre-existing at the time of buying the policy. Usually, the taxes, exam fees, preventive and wellness care, and pre-existing conditions are not covered by the dog insurance plans. Alternate therapies and treatment for hip dysplasia are not covered under a basic policy, but you might get the option of adding them to your policy at additional costs.
The basic factors considered in determining the premium for dog coverage are your dog’s breed, age at the time of enrollment and location. You can choose the deductible based on your situation and budget. The deductible is the out-of-pocket expense, which you are willing to pay. The remaining will be paid by the policy. Less the deductible, more will be the cost of the coverage. Some providers would increase the premiums every year as your dog ages and if you make many claims. However, with increasing competition in the insurance field, many providers are offering fixed premiums, no matter the claims or age increase.