Veterinary care is constantly improving, but unfortunately, these treatments can be expensive. When your dogs are under the weather, the last thing you want to worry about is having enough money to get them back to health. This is why dog or puppy insurance is a great idea.
Getting dog insurance can bring you real peace of mind by easing many stressful situations for you. Even so, you need to be careful about choosing the company and guidelines for your pup as there can be a huge difference between them – it’s no fun, but this time you really need to read the fine print!
Talk to your veterinarian about dog pet insurance and the different types of coverage you could get. In the meantime, we’ve rounded up a few things to consider when looking for a new guideline to help you along the way.
What to look for in dog or puppy insurance
When thinking about how to opt for dog insurance, it is worth looking at the company as well as the coverage they offer. Good company means less stress for you when your dog needs veterinary treatment. The first thing to look for is a good track record of claims history, the types of claims made, and the frequency of claims. You can ask your veterinary office for advice, or check the company’s website for such information.
The dog or puppy insurance should also be easy to contact and provide a straightforward service. Make sure to check out how to get in touch with them – be it by phone, email, or live chat. The company you choose should always be open to questions, friendly, and helpful. You may need to turn to them during difficult times. Hence, it is important that you keep them accessible.
What to look for in dog insurance
There are many things to consider when considering how to choose pet insurance. For example, it’s not just about how much they cost, but also what they offer and what limitations there are. Here are some questions that can be helpful when looking for your perfect guideline.
The cost of your policy
Are the monthly premium payments affordable?
Also, if you want the best possible coverage for your dog, consider how much you can afford to pay each month. Overspending is more stressful for you and you don’t want to be unable to pay for your dog’s insurance at all!
How much deductible do you have to pay?
Excess is the initial amount you will have to pay for treatment before the insurance company will cover the rest. If the deductible is very high, you may not be able to claim less severe conditions, which should be reflected in the monthly costs.
Does dog insurance cover all the costs for treating your pet?
Make sure things like veterinary visits, medication, anesthetics, surgery, imaging (e.g. x-rays and ultrasounds), and lab fees are taken care of. This includes referral level fees if your veterinarian sends your dog to a specialist. You might also think about whether it covers behavioral disorder treatment, as well as complementary medications and treatments like acupuncture.
What is the maximum amount that will be paid per condition per year?
Hopefully, this never happens, but in some cases, your dog may need extensive specialist care. This can be very expensive, and a low maximum payout can mean you can’t afford these treatments, even with insurance. For example, £ 1,000 as a maximum payout sounds like a lot of money, but a broken leg could double the bill. Think about the potential cost of treatment and compare it to the payout offered.
Some dog and puppy insurance companies also limit the total amount they pay each year regardless of the number of conditions your dog is suffering from. You may want to take this into account as well.
Is the premium affected by your zip code or the breed of your dog?
If you live in an urban area you may have to pay a higher premium. You should also find out if treatments for congenital or hereditary conditions are covered. This is important for pedigree dogs as some breeds are aware of problems with hereditary diseases and need to be insured accordingly.
Does the cover include third-party costs?
If you are insured for a third-party expense, you are protected if your dog causes damage or injury. Even if you don’t want your pet to cause problems, breakdowns can sometimes occur. Hence, you should consider this type of insurance. You should also check your home and contents insurance, as some guidelines cover legal liability for injury or damage caused by pets – which you may find incredibly valuable during your pup’s teething problems!
Are there discounts for multiple pets?
Most dog and puppy insurance companies give a discount if you have multiple pets in the same house. It is, therefore, a good idea to look around and see what is available.
What does the policy offer you?
Does the coverage last longer than a year per state?
Many conditions that affect dogs can affect them as early as puppies, such as: Diabetes. Policies that offer shorter coverage may still be appropriate for your dog. However, you must be aware of these restrictions when making a claim.
Does the company pay for vacation cancellations due to pet emergencies?
This is something that many pet owners don’t realize about what their dog or puppy insurance can offer. If your dog or puppy suddenly needs surgery while on vacation, some guidelines can help pay for or help pay the cost of your canceled vacation. Others may even pay kennel fees if you need hospitalization yourself. If you think these things might be helpful, look for a guideline that includes these things.
Limitations to watch out for
Is coverage affected by your dog’s age?
Sometimes your dog’s age can add to the type of coverage you can get. If you have an older dog, you may need to consider special dog insurance as some may refuse to cover older dogs or ask you to pay for part of your dog’s treatment after a certain age.
Does your dog have a pre-existing illness?
In this case, a new policy is unlikely to cover the costs associated with your treatment. Only conditions that develop over the course of the policy are eligible. However, some companies will restore coverage for these conditions if your dog has not needed treatment for a long time. Contact the company if you think this applies to you.
Will there be a flat fee if your dog is lost, stolen, or strays?
While hopefully not, some dog and puppy insurance companies will pay a flat fee if your dog is lost, stolen, or strays. Others add to the cost of missing notifications and may even offer a reward to help you find your dog.
Are the costs for special diets covered?
Some dogs may have certain health problems that can be treated by special diets recommended by their veterinarian. If your dog or puppy is in need of this type of diet you may be interested to know that some guidelines may even include paying or paying for it.
Is there a flat rate payment when your dog is euthanized?
This can be important if you have an expensive pedigree dog, as some cost several hundred pounds. Every dog owner hopes that their puppy will stay healthy and happy for a long time. However, should the worst happen, the extra payment can help you deal with it.
Are there any other restrictions on the policy?
You really need to go over the limitations of your dog or puppy insurance with a fine-tooth comb as there are many things you may not pay for. For example, some guidelines only cover your dog’s dental care if their teeth are checked annually by a veterinarian. Other guidelines may require complete and current dog /Puppy vaccinations or other health checks.
Check out the fine print to find out what restrictions are in place so you can stay tuned and make sure your canine lover is always covered. While it looks like there is a lot to think about, with a little research you will soon find the right guideline for you and your pup. It is important to sort it out early on, but some Puppy breeders may offer free insurance for the first month, which will give you plenty of time to look for the perfect coverage.