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MAIN
 Your
Money Insurance
Health
Insurance for Yor Dog -
Is It Worth Paying For?
 Should
you seriously consider buying a dog health insurance policy? Yes,
you should. Here's why health insurance for dogs is a good idea:
Dog health
insurance saves you money.
As with just
about all other costs, veterinary expenses have increased rapidly
in recent years. Without dog medical insurance (or more accurately,
veterinary insurance), you are responsible for paying for everything:
routine checkups, preventive procedures, emergency care and disease
treatments. That will run into hundreds of dollars. Why not get
some help?
Dog Health
Insurance: Quick Cost Facts
- Health
insurance for your dog, like health insurance for yourself,
has annual premiums and deductibles.
- Pet insurance
premiums depend on the breed of your dog and the type of policy
you decide upon. If you have more than one dog, there is usually
a reduced rate after the first policy. Dog health insurance
deductibles can vary as well. The average annual deductible
is about $100.
- You may
choose among different coverage plans which are based on your
dog?s age, breed, and pre-existing medical conditions. Some
policies even consider the dog?s lifestyle; for instance, whether
your dog is purely a pet or a watchdog, too.
Health Insurance
for Dogs: Quick Coverage Facts
- Dog insurance
healthcare plans can vary greatly. Some canine health plans
are quite comprehensive, covering annual checkups, routine care,
vaccinations and other preventive medications, and spaying/neutering,
as well as illnesses and accidents. Others only cover unexpected
sickness or injuries.
- Dog insurance
coverage for emergencies begins immediately on most new dog
health plans, with a 30-day waiting period for illness and other
claims.
- Your dog's
age can affect your dog's health insurance coverage. Typically,
policies begin veterinary healthcare coverage when the dog is
6 to 8 weeks old, although some will start when the dog is younger.
Similarly, some dog health insurance companies only will cover
dogs under 8 years old unless the animal was already insured
with them before turning 8.
- Many dog
health insurers will not cover your pet if she has a preexisting
condition or a terminal illness. Some will insure the dog only
if the condition is controlled or stable, usually for 6 months.
With all these
options, it is important you check out the various dog health
insurance companies, their pet insurance policies and corresponding
dog healthcare plans.
In short,
if you care about your dog, you should care about his health.
If you care about your wallet, you should care about your dog's
health insurance coverage, too.
About
the Author...
Joel
Walsh is a regular contributor to i-love-dogs.com. Read his other
articles, with even more information on getting the best dog
healthcare.
http://i-love-dogs.com.
Related
Sites of Interest:
To
Insure or Not To Insure?
Should
I Insure My Pet?
The
Top Reasons Pet Owners Take Their Pets to the Vet
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