Dog is often considered as the part of the family. If all family members have been protected by life and medical insurance policies, we may need to consider doing the same for our pet dog. Regular check up is not enough and dogs could be vulnerable to specific illness that appears suddenly. After a medical emergency, we may realize that our dog has racked up a rather huge bill. A treatment may cost us more than $1,000 and this may be necessary if we want to save life of our dog. If we are not protected, our bank account may eventually dwindle to nothing.
Many insurance companies provide protection for pet owners and this is a good thing for our canine companion. Some dogs may have hidden birth defects that cause problems in the future. As an example, the dog could have slightly misplaced knee and it could become more prominent as the dog become older. Like people, dogs will start to suffer from numerous health problems once they hit a certain age. If we have a working or overly active dog, we should consider having pet insurance. If there are multiple dogs in the neighbourhood, it could get infections or illness from other dogs.
It is important for us to know how a pet insurance work and it should work quite similar to normal health insurance plan. Before applying for pet insurance, the dog may need to undergo specific procedures. There will be thorough medical checkups and lab tests. The dog must be properly vaccinated and given proper medications. The dog may also need to be neutered. The range of reimbursement percentage, deductibles and coverage may vary based on specific factors. As an example, after we are able to reach $100 deductible, then the pet insurance plan may pay up to 80 percent. Overall, pet insurance is an important factor to prevent us from racking up medical costs due to specific emergency. Pet insurance plan will necessitate us to choose a vet in the insurer’s network, but others may allow us to choose existing veterinarian.
Many insurance companies are able to provide us with quotes immediately. In this case, we will need to provide basic information, such as our name, contact information, the dog’s age and the dog’s breed. There are different types of insurance plans for dogs, from basic to fully comprehensive. However, it could largely depend on the current health status of the dog and the breed. We should know that as our dog gets older, the premium could increase progressively. The basic coverage may cost us as low as $10 per month, for young, perfectly healthy dogs. Before choosing components of the coverage, we should know whether they are unnecessary or too expensive. It is an important fact that we need to consider before we purchase a pet insurance. With good coverage, we won’t need to pay the full amount for any medical treatment. Some breeds are more susceptible to specific diseases so we need to consider this fact as well.