Health Insurance for Dogs
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Health insurance is a helpful tool in managing our families’ health care cost. Families with children are often concerned about regular check ups and vaccinations and health insurance helps them alleviate the financial strain that these could cause. Now, what about the family dog? If Fido suddenly gets sick or has an injury, would that cause a severe strain to your monthly budget? How would you handle that situation? What about yearly vaccinations and health check ups? Many families skip these necessities when times get tough, but it is not fair to your dog to not get treatment because you made decisions that you can’t follow up on. If this is a concern, purchasing pet health insurance to cover your pup is a must.
Health insurance policies for pups are very similar to the policies you purchase for yourself. There is a variety of policies that can be tailored to specific needs. With veterinarian costs rising, many people are purchasing these policies to ensure that their dog will get the same level of care they would expect for themselves.
Veterinarians have become more advanced and can now treat conditions that have been virtually incurable in the past. With these advances in animal care, the cost of veterinarian care is also increasing to cover the cost of education and equipment. Statistics show that one in three dogs will need emergency care once a year and two out of three pets have significant health problems sometime in their life. With this said, dog insurance is also on the rise to help cover these costs for dog owners.
Dog health insurance policies in the United States have many variations in terms of cost, coverage, deductibles, breed coverage and pre-existing conditions. Some even change depending on your dog’s activities inside and outside. With this in mind, it is best to get a quote from several different carriers before making a decision. These policies can vary greatly from company to company. Most policies include some kind of accident and illness coverage to protect owners from high monetary outputs in one big chunk at an emotional time.
There are several other important features to look for. The percentage of the bill covered should be at least 80% and a good policy will provide one at 90% coverage. Pre-authorization for treatment should never be required. Some policies offer discounts for multiple pets, just as you would get for multiple children, which could be useful if you have more than one pet to cover. Deductibles should never be more than $300 and be comparable to the coverage you are getting. Most insurance companies have a range of $25k to $100k for limit coverage per year. Depending on your needs, it is good to get multiple quotes changing this coverage because it will drastically change the monthly cost and deductible.
If your budget would be severely strained if something happened to your dog today, please consider dog health insurance to provide reassurance that your dog would be taken care of in the case of an unfortunate accident or illness.