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!
How easy would it be your dog or puppy to break his leg? It happens every day, regardless if these pets stay indoors or are allowed to roam free in the yard. And can you guess how much it will cost you out-of-pocket? The average veterinarian costs for a broken bone is around $900. The monthly premium for dog insurance is pennies compared to such an expense for medical care.
Dog Insurance Options
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: Most dogs remain flea-free with Frontline and similar flea control products that are available over the counter at your veterinarian (or at pet stores or online). But a few dogs have ongoing problems with fleas such that prescription flea meds may be required. Most dog health insurance plans cover these prescription flea control meds.
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: Should your dog be diagnosed with heartworms, the medication needed may also be covered by most dog insurance plans.
Lab Fees: Blood tests and other lab work should also be covered by most dog health insurance plans. Such tests may include blood work for worms, diseases, and abnormalities with pregnancy.
Teeth Cleaning: If your dog suffers periodontal disease, or you are unable to keep his teeth clean by other means, surgical teeth cleaning is often required. And because it's performed under anaesthetic, it's pretty expensive. Good news - your dog insurance should cover this, too.
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.
For dog insurance advice and its alternatives, choose a dog health insurance for every financial circumstances.
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