Dog Insurance

By: EconomyWatch   Date: 5 September 2009

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EconomyWatch

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Isn’t it a terrible feeling to not be able to afford the treatment your loved ones require when they are ill or injured? The feeling is no less painful when it comes to deciding on expensive veterinary care when your dog needs it. Dog insurance is a must buy for all dog lovers. An average individual takes his/her dog to the veterinary clinic two to three times in a year. It costs around two hundred dollars for a routine checkup. Now, if the dog should fall ill or contract a fatal disease, the medical budget would shoot up drastically. The only way you can guarantee the best care for man’s best friend when he most needs it is through a good pet insurance policy.

Understanding Dog Insurance

Dog insurance is similar to any other insurance policy. The policyholder makes periodic payments to buy financial cover against unforeseen circumstances, such as sickness or injury. Different types of dog insurance policies include:

  • Dog life insurance: covers medical bills for severe illness or events leading to death.

  • Dog health insurance: covers health care maintenance bills for the period of the policy.

  • Dog bite insurance: covers financial liability following a dog bite.

  • Dog accident insurance: covers accidental injuries and fractures.

  • Comprehensive dog insurance: is an all-in-one dog insurance policy.

How to Buy Right Dog Insurance Policy  

Here are a few basic tips for choosing the best dog insurance policy for you:

  • Search on the Internet for different companies offering dog insurance in your area.

  • Ensure that the company holds a valid license to insure dogs in that region/state.

  • Trust only experienced insurance companies, as novice companies might lack the infrastructure to provide quality after-sales services.

  • Compare quotes from different insurance companies based on the extent of cover and the policy price.

  • You might regret the decision to compromise insurance cover for low premiums in the future. Make a prudent balance between the two factors. Try to get maximum possible cover at affordable rates.

  • Look for deductibles, co-payments or excess associated with the dog insurance policy.

  • Check the policy exclusions. Most dog insurance policies exclude pre-existing health conditions and expensive diagnostics and treatment, such as CAT scan, bone scans and reconstructive surgery.

Once you have your dog insured, you can worry about getting dog doors, supplies, and toys.

A dog is more than a pet, it is a part of the family. Dog insurance is the only way you can ensure that you will be able to take care of your pet when it needs you the most.


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