Most dog owners never consider dog insurance until they're faced with a large veterinary bill. And the fact is that you can never foresee when you'll need to seek veterinary care, or how much it will cost. Not infrequently, a visit to the vet to treat an injury or an unexpected illness can cost hundreds, or even thousands, of dollars. Ouch!
And how easy is it for a dog to break his or her leg, do you think? Well, just as with humans, bone breakages in dogs happen every single day, and they can occur in your back yard and inside your house, as well as outside while exercising your dog in the park or at the beach. So how much do you think that broken bone might cost in veterinary fees? Well, the average vet cost for a broken bone is $900.00. By comparison, the monthly premium for dog insurance is just a few dollars, and you're covered for every eventuality.
Dog Health Insurance
As with any type of insurance, dog insurance types vary from company to company. Some label their products as pet assurance, as opposed to pet insurance, but it's pretty much the same type of cover. Either way, you can expect most dog health insurance plans to provide coverage for the following:
Spaying and Neutering: As you know, all dogs (except those being professionally bred, or shown) should be de-sexed. Many dog insurance policies cover the entire cost of spaying and neutering, which is great, because those procedures cost at least a couple hundred dollars for a straightforward operation - never mind if your dog experiences expensive complications, which can happen with any surgery.
Prescription Flea Control: Some dogs just don't respond adequately to over-the-counter flea remedies. And fleas must be taken seriously, not only for your dog's comfort, but because they also carry various diseases and encourage other parasites. Dog insurance plans may cover the costs of the more potent prescription flea control products.
Annual Veterinary Examination: This is essential for all dogs, even if you think your dog is in peak health. The annual checkup can identify illness and disease before it progresses into something much worse, so that treatment can start at the earliest opportunity. Many dog insurance policies cover the annual veterinary examination costs.
Heartworm Medication: If you forget your heartworm prevention meds, your dog may contract heartworm. This condition is more prevalent than most people realize. And it's expensive to treat. Your dog health insurance plan is likely to cover this cost also.
Pathology Lab Fees: Blood tests and other lab work is covered by most dog insurance. You never know when blood work will be needed, and it is important in quickly identifying serious conditions such as heartworm and dog diabetes.
Teeth Cleaning: Some dogs need their teeth cleaned under anaesthetic on a semi-regular basis. Other dogs may never need this procedure. But how do you know? Your dog may need his/her teeth cleaned, and if you have dog insurance, you'll probably be covered for this.
Hospitalization Fees: Accidents and illnesses do have a habit of occurring when you least expect them. And they can be very expensive, as already noted. There is also the possiblity of complications of other procedures, such as de-sexing procedures or even teeth cleaning. Complications of surgery may require that your dog have blood transfusions or be monitored in intensive care. Now that's a big expense. So instead of being landed with an exorbitant vet bill, your dog insurance will cover you.
And how easy is it for a dog to break his or her leg, do you think? Well, just as with humans, bone breakages in dogs happen every single day, and they can occur in your back yard and inside your house, as well as outside while exercising your dog in the park or at the beach. So how much do you think that broken bone might cost in veterinary fees? Well, the average vet cost for a broken bone is $900.00. By comparison, the monthly premium for dog insurance is just a few dollars, and you're covered for every eventuality.
Dog Health Insurance
As with any type of insurance, dog insurance types vary from company to company. Some label their products as pet assurance, as opposed to pet insurance, but it's pretty much the same type of cover. Either way, you can expect most dog health insurance plans to provide coverage for the following:
Spaying and Neutering: As you know, all dogs (except those being professionally bred, or shown) should be de-sexed. Many dog insurance policies cover the entire cost of spaying and neutering, which is great, because those procedures cost at least a couple hundred dollars for a straightforward operation - never mind if your dog experiences expensive complications, which can happen with any surgery.
Prescription Flea Control: Some dogs just don't respond adequately to over-the-counter flea remedies. And fleas must be taken seriously, not only for your dog's comfort, but because they also carry various diseases and encourage other parasites. Dog insurance plans may cover the costs of the more potent prescription flea control products.
Annual Veterinary Examination: This is essential for all dogs, even if you think your dog is in peak health. The annual checkup can identify illness and disease before it progresses into something much worse, so that treatment can start at the earliest opportunity. Many dog insurance policies cover the annual veterinary examination costs.
Heartworm Medication: If you forget your heartworm prevention meds, your dog may contract heartworm. This condition is more prevalent than most people realize. And it's expensive to treat. Your dog health insurance plan is likely to cover this cost also.
Pathology Lab Fees: Blood tests and other lab work is covered by most dog insurance. You never know when blood work will be needed, and it is important in quickly identifying serious conditions such as heartworm and dog diabetes.
Teeth Cleaning: Some dogs need their teeth cleaned under anaesthetic on a semi-regular basis. Other dogs may never need this procedure. But how do you know? Your dog may need his/her teeth cleaned, and if you have dog insurance, you'll probably be covered for this.
Hospitalization Fees: Accidents and illnesses do have a habit of occurring when you least expect them. And they can be very expensive, as already noted. There is also the possiblity of complications of other procedures, such as de-sexing procedures or even teeth cleaning. Complications of surgery may require that your dog have blood transfusions or be monitored in intensive care. Now that's a big expense. So instead of being landed with an exorbitant vet bill, your dog insurance will cover you.
About the Author:
Learn more on the types of pet insurance options that are available. You might be pleasantly surprised by the variety of reasonably priced pet insurance plans there are.
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