Pros and Cons of Dog Health Insurance
Health insurance is a good idea if your dog is of a breed known to have a genetic condition. Boxers, Greyhounds and German Shepherds are known to suffer from the genetic disease hip dysplasia. Many types of koli suffer from vision loss in old age, and some small-bodied breeds develop arthritis and joint pain. The cons of dog health insurance are the same as a regular human policy. You should purchase the insurance before any of these symptoms appear. This means you will have to pay your premium before you actually need it.
Another plus of the option is that annual checkups and photos will cost less. Keeping up to date with your dog’s vaccinations and rabies shots can save you a significant amount over the years. The plan will also include annual veterinary examinations. If you don’t keep up with annual checkups or photos, then the three to ten dollar monthly price probably isn’t in your best interest.
Best of all, though, is the fact that dog health insurance covers some pretty amazing and weird occurrences. Chocolate poisoning and accidental poisoning are included in the most basic plans. A foreign ingestion policy is also included, which will cover surgery for your dog if it swallows a plastic children’s toy. Accidental death cover is included in the basics. Insurance plans are divided into price categories and the basic policy will not cover specialist treatments. Treatments for cancer, diabetes, arthritis, heartworm problems, and allergies are usually only covered by the higher-priced plans. This creates the need to evaluate your needs as well as your pets.
The main seller of dog health insurance is considering what you, the owner, would do in the event of an accident or serious emergency. If you want veterinarians to do everything in their power to save your beloved pet, then you need a pet health insurance plan. Certain diagnostics and surgeries can cost thousands of dollars, followed by a long list of prescription drugs. If you are the type of pet owner who would choose to put their pet to sleep instead, then the insurance policy is most likely not for you.
Dog health insurance can save you hundreds if not thousands over the years if you anticipate complex issues arising from a particular breed. If you plan to keep them in good health over the years, then this is a great option to help combat the cost of annual vaccines, check-ups and accidents. However, to maximize its benefits, you will need to opt for a higher monthly premium.
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