5 Reasons to Consider Pet Insurance for Your Dog

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Pet Insurance for Your Dog        |Published 08-03-2020

Your dog is like a family member. You would do anything to ensure that your dog remains safe and healthy throughout her life.

But like humans, dogs fall ill too. You may not know what’s causing the illness, and before you know it, the hospital slams you with a costly medical bill. It often comes as a surprise to many. Why does treatment for dogs cost so much? They are, after all, animals, and their treatment charges should be less than humans.

That’s a misconception that many dog owners have. Instead of questioning why the treatment is so expensive, it’s better to focus on why you should buy pet insurance for your dog.

Types of Pet Insurance for Dogs

There are three different types of pet insurance, accident, illness, and wellness. 

Accident Pet Insurance Plans

As it implies, accident insurance covers injuries caused by mishaps such as pulled ligaments, broken bones, lacerations, and bite wounds.  Costs to cover and treat accidents can mount up, especially if your dog has been hit by a car or attacked by another dog. 

Illness Pet Insurance Plans

Illness insurance covers typical illnesses seen in dogs from minor issues such as ear infections to more severe conditions such as cancer, urinary tract infections, and heart problems.   There are many diseases that pet insurance companies cover, such as diabetes and thyroid conditions.  Before deciding on a plan, be sure to see what is and what is not included.

Wellness or Preventative Care Plans

Wellness plans, also known as preventative care, are often offered by some insurance companies for an extra fee.  Those companies that do offer these plans do not provide them in all states. 

These services, if available, include routine puppy visits, vaccinations, spay/neuter operations, and heartworm preventative.  If this is something you would be interested in, you need to be sure the insurance company you choose offers these plans.  They may not be cost-effective for your situation.

If you think you may want to opt for a pet insurance plan for your dog, plan to join a program early in the life of your dog.  The older the dog gets, the more costly the deductibles and monthly fees.  It does pay to shop around as insurance is complicated, and all plans are different.

5 Reasons to Buy Pet Insurance for Your Dog

Here are a few smart reasons why purchase pet insurance is beneficial for you and your best friend:

1. Pick your veterinarian

For individual health insurance policies, you may need to visit the hospitals appointed by the insurance company. But that isn’t how it works for pets. Suppose you take your dog to the nearest hospital for a checkup. The veterinarian there knows your dog’s case history for years.

One day he falls sick, and you take her to the same hospital. You receive the treatment bills, and you submit them to the insurance company for reimbursement. The insurance company will pay you in some time. They won’t ask why you chose that hospital.

It is a huge benefit because the veterinarian that treats your dog already knows her case history. It allows him to manage her quickly instead of going through the case files again. Imagine if you had to go to a pet hospital nominated by your insurance company. It would take so much longer to start the proper treatment.

2. Increases options for treatment

When you buy pet insurance for your dog, you don’t have to compromise on her treatment. If the vet says that she requires prosthetic limbs after an accident, you wouldn’t have to think about your bank balance before saying yes. Consider your dog as your kid. Would you want anything less than the best for your son or daughter? You wouldn’t. Similarly, you wouldn’t want to provide a substandard treatment to your dog because of budget constraints.

It is recommended to read the terms and conditions of the policy before buying. Check if the system offers full-coverage plans, including exam fees, cancer, and prosthetic limbs. Read an in-depth review at bestpetinsurance.com before choosing a policy.

3. Offers peace of mind

It’s sad when you see your dog suffer but can’t do anything because you don’t have enough money for the treatment. Buying pet insurance can save you the trouble of not being able to provide proper treatment to your dog. You can sleep peacefully, knowing that whatever happens to your dog, she will get the appropriate treatment to make her healthy all over again.

It is essential to get pet insurance as soon as you bring a dog home. The earlier you buy the coverage, the lower the premium you may have to pay. Moreover, it saves you a fortune in case your dog suffers an injury or becomes sick in the future.

4.  Allows You to Budget More Effectively

Most pet insurance policies offer an add on clause that allows you to elect a wellness plan.  These plans will cover many of the routine visits, vaccines, heartworm, and fecal testing.  Do read the fine print so you are sure this is what you would like to have. 

For example, many wellness plans add-ons will include annual exams, spay/neuter, flea treatments, and dental cleanings.  These can add up over the cost of the dog’s life, but you will pay a premium for these services not typically included in a pet insurance policy. 

5.  Less risky than a pet saving plan

Many pet professionals will recommend that you open up a savings account for your dog.  You would then deposit a fixed amount in the account each month, say the amount you might pay a pet insurance company. 

Having savings to fall back on in the case of an emergency is always a good idea.  The problem comes in when an illness or emergency arises shortly after you start your savings plan. 

There won’t be enough money in your account to cover the current expenses.  Since bank accounts typically yield you little in the way of interest, you are not investing, just stowing money away if you need it.

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Last Words

It is essential to get pet insurance as soon as you bring a
dog home. The earlier you buy the coverage, the lower the premium you may have
to pay. Moreover, it saves you a fortune in case your dog suffers an injury or
becomes sick in the future. 

There are
definite advantages in investing in pet insurance, the most important one being
peace of mind.  You don’t want to be left
in a situation where you must euthanize your beloved dog because you can’t pay
for his care.

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