dog health insurance

Dog Health Insurance Cost – What Is Covered and What Is Not

Dog Health Insurance, Cost is Not the Only Consideration

As dog owners, we can’t just let our furry friends go through life with an unsecured future. Nowadays the dog health insurance cost is certainly worth it for the following reasons. It is the easiest way to get the money to pay for veterinary bills, just in case your dog suffers an illness and needs to have prolonged and continued treatment. It is also very helpful in the case of unexpected vet visits. Dog health insurance pays for 80% or 90% of your pet’s vet bills, so it makes good financial sense to take out dog health insurance.

How much does dog health insurance cost?

Dog health insurance costs an average of $30 per month. But there is variation in the premium according to the breed and age of your dog and the time period of the coverage that you choose. As you would expect, dog health insurance cost is higher for older, sicker pets, especially on those policies that cover preventive care, like vaccines and visits to the vet.dog health insurance cost

Some pet health insurance providers have insurance packages that cost as much as $76.70 per month, but with a deductible of only $100. This covers up to 80% of the costs for illnesses and accidents, sterilizing and castrating as well as essential preventive care measures such as vaccine for rabies, free dog tag for lost pet recovery, yearly physical examinations and dental care.

There is also coverage provided for chronic and long-term conditions, like illnesses that might have occurred in previous years, that is covered by the insurance. Some pet health providers bundle dog health insurance cost with other services or go the opposite way to try to make premiums lower for the more stable and healthier dogs. For instance, one provider actually has a policy that just costs under $10 a month, but with a higher deductible at $200. It covers 80% of accidents but no illness coverage.

Other enterprising pet health insurance providers will reimburse 80% of veterinary visits, whether it’s because of accidents or illnesses or injuries. Dog health insurance cost varies. It is in your interest to shop around and get the best quotes. Remember, factors like age of dog and breed, as well as overall general health will affect premiums. But there’s no better time to avail of health insurance for your dog than now!

We are not attempting to recommend any specific providers in this article, but simply pointing out what this type of insurance covers. Another point is that when it comes to dog health insurance, cost is not the only consideration.

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Dog Life Insurance Provides Comfort and Financial Help

Dog life insurance – what will it cost not to have it?

This is a sad story, but one that explains the value of dog life insurance and what it can do when the time comes for your pet to leave you. Whatever the situation, it can provide help and comfort when you need it.

Last year, my sister had to put down their Labrador called Frances, a beautiful, wonderful and loyal friend for the last 10 years. She was abroad at that time, on a business conference. When she left for her trip, she knew that Frances was very sick, and perhaps, it was time for her to go.

Her husband kept her updated on how Frances was doing. Frances was 10 years old in dog years, 70 in human years. She was the baby, the loyal friend, the trusted guard dog, the eater of leftovers and the chewer of shoes. As my sister told her colleagues at the conference about her dog, a question was asked that took her by surprise: Did she have dog life insurance for Frances?

Apparently in the United Kingdom, across Europe and even as far down as Australia, pet life insurance, particularly, dog life insurance is very popular. Not so in the States. Well, not yet, anyway. But it is slowly gaining ground. Pet owners are seeing the value of this and insurance providers are responding positively.

Dog health insurance is different from dog life insurance. The former is like a regular health insurance, in that it covers veterinary costs for check ups, surgery, diagnostic tests, hospitalization, immunization and the like. Most dog health insurance cover up to 80% of veterinary costs, after paying the deductible. And dog life insurance?

Dog life insurance would reimburse the owner the cost of the dog after his or her death. The cost usually is market value of the dog when she died. Most dog life insurance, especially those from good, reputable pet insurance companies, will pay out even if the dog is euthanized, was in an accident or dies of major illness. Dog life insurance also covers veterinary costs for that time, medication, funeral costs and sometimes, even bereavement counselling for owners.

Because dogs become part of the family, their deaths affect owners tremendously. But having dog life insurance helps them to afford to get another dog, should they decide on this course of action.

My sister eventually did get another dog, but it took a while to get over Frances. Although it was too late for Frances, she has also decided to take out dog life insurance on her new pet dog Rambo. Here’s hoping she won’t have to use it!

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Dog Health Insurance – A Dog’s Best Friend

If you have a dog as a family pet I think you’ll agree with me that they’ve added so much happiness and love to your life. They are the embodiment of unconditional love and acceptance. They really don’t ask for too much, maybe just a kind word, a pat on the head and a game of fetch every once in a while. They are just so pleased to be your ally and share their life with you.

So when you consider what they give to you, you know you want to be  in support for them when an sickness or accident strikes. But a very large vet. bill could be  a killer. And having to choose between your best friends  well being and the family budget can be a  troubling choice too. That’s why dog health insurance can be one of the best ways to show that you care and are thinking ahead for your best friends well-being.

Also advancements in veterinary medicine have provided for so many more  alternatives today. In days past many diseases and/or accidents would be considered life termination for many dogs. Now heart conditions, hip problems and other  situations can be treated. Though at a price that many family budgets can’t afford. That is why finding the best dog insurance at a sensible price can be the reaction.

Every day checkups and regular treatment can also be dealt with by dog health insurance. Expensive vaccinations and protection procedures, such as teeth and ear cleaning and de-worming can be part of a reasonably priced dog insurance plan. And as you know, if you provide for the regular checkups and treatments, major illnesses can be avoided or lessened.

So what is the best dog insurance for you? It depends on the age of your dog, the breed and your family budget. Pet health insurance can array from $10 to $70 per calendar month. And as you should expect, the $10 per month option will just be the bare bones coverage. So think long and hard on what coverage will be sufficient for your dog. Over the life of your loved one the best dog insurance will cover the  probable stuff, but also be there for the unexpected illness or accident. And isn’t that what insurance in general is there for most – the unexpected.

Learn more about getting the best dog insurance at my web site. This site contains much more useful information on getting a pet insurance policy.

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Is It Worth It To Get Dog Health Insurance?

I was wondering if it would be worth it to get health insurance for my dog, and what plan would be suggested. Here are 2 sites for insurance providers, and the prices for the ones I like:http://www.petcareinsurance.com/ $25 a monthhttp://www.petinsurance.com/index.aspx $25-30 a month
I feel it would be a smart investment because it would cover my puppy (10 weeks) in getting surgical costs, medicine, physical therapy, 2 check ups a year, etc. if she ever needed it. It also covers the cost of her getting in a car accident, and even if she gets lost…up to $150 in fees for a reward. It covers a LOT of stuff for those “just in case” situations.
I DO take care of her, and will take great care of her. I get her vitamins, chew toys to clean her teeth, teeth cleaning bones, great puppy food, etc. So her health should be top notch. But God forbid she gets sick, gets a bad injury from running with me every day (I plan on 2 mile runs with me, and 1-2 mile walks with my gf every day).
Just please tell me if you suggest getting it, why or why not, and if there is another company you use for it. Thanks!

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