dog life insurance

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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