If you’re like most people, then you are likely to treat your dog like a member of your family. As such, you’ll want to be covered in some way in order to provide medical treatment to keep costs down. Many are turning to pet insurance, which has been around for several decades. Thankfully, there have been improvements to the various policies, so that dog owners aren’t spending their money aimlessly. Vet bills can really be troubling, and no loving pet owners should have to worry about what medical issue may arise in the future. Smart consumers need to know how to purchase pet insurance to get the most bang for their buck.
From the get-go, you may or may not notice that there are exclusions to every policy. They differ from insurer to insurer, and from breed to breed.
9 Reasons Why Pet Insurance Companies Fail Dog Owners
- Hereditary conditions of a breed.
- Behavioral issues.
- Any claims made within the first 30 days of the policy.
- Illnesses that arise due to pregnancy.
- Pregnancy and the process of giving birth.
- Travelling outside your country of residence
- Dental treatment.
- Working dogs and guard dogs.
- Maximum payout by insurers.
The above are just a few examples of what can be excluded, although there could be more, depending on the individual insurer.
Pet insurance companies also provide lifetime insurance policies. So, a dog is covered its entire life, as long as the premiums are being paid accordingly.
Pet Insurance for Senior Dogs
As dogs age, it is difficult to find fixed term insurance policies because insurers understand that, with age, dogs will require more veterinary care. They will likely be susceptible to more illnesses and diseases, so look into getting a long-term pet insurance plan.
With numerous advances in veterinary care, pets are now able to be treated with the various types of treatments other than surgery. Some examples would include herbal medicine, osteopathy, acupuncture, and the like. Although these alternative forms of treatments are keeping dogs healthy, they are typically quite high, causing many pet owners to avoid them. Thankfully, numerous pet insurance companies include some of them, with limitations. Every policy is different! Be sure to understand what is being offered for the agreed upon premiums. Read each and every term and condition to fully understand the coverage.
Travelling with Your Dog
Travelling abroad with your pet is certainly allowed, but you would likely have to get added pet insurance to provide coverage in a foreign country. Again, read all the terms and conditions.
Is Pet Health Insurance Worth It?
While you may think that the entire pet health insurance industry is a farce, think again. It may not cover everything, but it does provide coverage for numerous illnesses and diseases, as well as emergency treatments and surgeries. A smart consumer calculates the pros and cons of any purchase and especially an insurance policy, reads and understands the coverage, exclusions, and limitations. In doing so, a dog owner won’t be subjected to any unpleasant, and expensive, surprises. A small monthly payment or an annual lump sum payment is affordable, but a $5,000 pet medical bill may be too much to bear!