You may be questioning if dog health insurance is worth it for you. Wondering if you should be paying a monthly premium for something that you may never need. What if your dog gets injured and without insurance you now need to pay over $2,000 on surgery. If you have insurance it would cover most of the cost!
Why Dog Insurance is Important
A serious illness or injury to your dog can take a large toll on your finances. Cancer treatments can easily cost well above $5,000, ACL treatments can cost over $3,000, and other serious illnesses can cost just as much if not more! Pet insurance is meant to help you cover some of the medical bills and take “economic euthanasia” off the table.
Throughout the years dog health insurance has become more prevalent; however, it is still around 1% of dogs, cats, and other pets that are insured. Dog health insurance is now one of the fastest-growing optional employee benefits. If your company offers insurance for you and your dog, you should highly consider it.
If you have a puppy or an older dog you can purchase dog health insurance at any time for your furry friend! However, it is cheaper to purchase insurance for your dog when they are younger. This is due to the fact that as they get older they are more prone to accidents (similar to an older person).
There are differences in how pet insurance and people insurance works. Many pet policies come with deductibles, co-payments, and premiums. The difference between people and pet insurance is that you often have to pay the vet bill and then be reimbursed. There is also a difference in the cost of insurance based on the type of dog you own. If your dog is a purebred it can cost more, and they can be more prone to hereditary conditions.
What Insurance Can Cover
When picking a plan for your beloved dog you can choose to have insurance that covers accidents and illnesses such as injuries from vehicles, arthritis, or cancer. Depending on your provider and coverage it can also offer wellness coverage for annual exams, vaccinations, routine care, and tick and flea treatments. Many dog health insurance plans cover all of this for your furry friend!
While dog health insurance may not be the cheapest, in the long run it can pay out much more than it costs you. There is no way to predict if your dog will become sick or injured and vet bills are also different for every animal. You should consult with your vet on policies they may recommend or what your breed may be prone to.
During your research on what dog health insurance is best for you and your doggo download sample policies and see what is expected and included. If you are unable or don’t want to get pet insurance for your dog consider having a savings fund for emergencies. If you are unable to afford a medical bill the Humane Society lists organizations that may help pay.
Why You Need Dog Insurance
With many misconceptions on how expensive pet insurance can be, in reality you will pay less than $100 a month for your dog. In the end, this can save your dog’s life. By thinking about pet insurance you now have the ability to not choose between your dog and your wallet. When seeing the bills or how much surgery and treatments can cost it can be one of the toughest decisions to make as a pet owner. However, with pet insurance you don’t have to worry about the financial aspect, and you can put all your focus on your beloved dog.
When debating if you should purchase pet insurance consider the fact that accidents do happen. Your dog could sprain an ankle running around the yard and chasing birds or tear a cruciate ligament from jumping off the couch or bed. These injuries can be small or large leading to expensive bills from your vet.
Having a good dog health insurance plan can ensure that you are compensated up to 90% of the costs. You are also often able to tailor your pet insurance to fit your budget. Again, consider signing up when your dog is young to give you more options and cheaper premiums. If you are facing any issues with your dog take them to the vet to be sure they do not have a serious injury. Be observant and remember your dog is unable to express how they feel verbally.