Dog Health Insurance


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: You can read more of Joel Walsh's articles on
dog issues such as Dog Health Insurance at:
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i-love-dogs.com

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