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Dog Health Insurance Buyer's Guide
By Joel Walsh, Fri Dec 9th
Should you seriously consider buying a dog health insurancepolicy? Yes, you should. Here's why for dogs isa good idea: Dog saves you money. As with just about all other costs, veterinary expenses haveincreased rapidly in recent years. Without dog medical insurance(or more accurately, veterinary insurance), you are responsiblefor paying for everything: routine checkups, preventiveprocedures, emergency care and disease treatments. That will runinto hundreds of dollars. Why not get some help?
Dog Health Insurance: Quick Cost Facts • for your dog, like foryourself, has annual premiums and deductibles. • Pet insurance premiums depend on the breed of your dog and thetype of policy you decide upon. If you have more than one dog,there is usually a reduced rate after the first policy. Doghealth insurance deductibles can vary as well. The averageannual deductible is about $100. • You may choose among different coverage plans which are basedon 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 caninehealth plans are quite comprehensive, covering annual checkups,routine care, vaccinations and other
preventive medications, andspaying/neutering, as well as illnesses and accidents. Othersonly cover unexpected sickness or injuries. • Dog insurance coverage for emergencies begins immediately onmost new dog health plans, with a 30-day waiting period forillness and other claims. • Your dog’s age can affect your dog's health insurancecoverage. Typically, policies begin veterinary healthcarecoverage when the dog is 6 to 8 weeks old, although some willstart when the dog is younger. Similarly, some dog healthinsurance companies only will cover dogs under 8 years oldunless the animal was already insured with them before turning 8. • Many dog health insurers will not cover your pet if she has apreexisting condition or a terminal illness. Some will insurethe dog only if the condition is controlled or stable, usuallyfor 6 months. With all these options, it is important you check out thevarious dog companies, their pet insurancepolicies and corresponding dog healthcare plans. In short, if you care about your dog, you should care about hishealth. If you care about your wallet, you should care aboutyour dog's coverage, too. About the author:Joel Walsh is a regular contributor to i-love-dogs.com. Read hisother articles, with even more information on getting the bestdog healthcare: http://i-love-dogs.com [Webpublication requirement: use "dog healthcare" as the anchortext/visible link text for the URL: http://i-love-dogs.com]
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