Pet Insurance for Dogs

Dogs are wonderful pets that some people end up with by accident while others planned for the special day that their forever furry friend comes home. No matter exactly how you ended up with your dog, the same concern is number one on the list of importance and that is their health. The health of our dogs can mean everything to us and should always be a top priority. A great option for our dog owners out there and other pet owners in general is to get pet insurance. Today we will be discussing the price range, coverage, and basics of getting pet insurance for your dog.

The primary purpose of having pet insurance is to not only protect your dog’s health, but your own pocketbook as well. Medical bills for pets, especially dogs, can be ridiculous when it comes to expense. If your dog should happen to get injured or become sick, your insurance takes care of the cost. Pet insurance really helps in emergency situations. Some people do indeed have the funds to pay upfront in case of an emergency if one should occur, but naturally most of us are not that fortunate. Even if you only use your insurance once, you will most likely be saving hundreds and sometimes thousands of dollars on vet care for your dog.

If you are considering taking out an insurance policy for your dog, there are really three main questions that you should ask yourself. The first question is exactly how much would you be willing to pay if your dog has a serious injury or illness? If you are the type of person who would be willing to pay up to thousands of dollars for your dog if need be, then you may not need insurance for your dog, but who does not like to save money? On the other hand, if you are not willing to then pet insurance is probably right for you and it will save you money in the long run.

The next question to ask yourself is how much you could actually pay if your dog ended up sick or hurt. You always have to think about your current financial situation. You need to think realistically as to how much you could actually pay in the event of an emergency. If you have the spare funds and can potentially pay a $7000 veterinarian bill then you may not even need to worry about pet insurance, but once again saving money is always a positive. If you unfortunately cannot afford to shell out that kind of money then it would be recommended for you to look into getting pet insurance for your dog.

The final question that you should ask yourself is exactly what your tolerance level is for risk. Some people like to “live life on the edge”, but this philosophy should not be applied to your dog’s health. If you have a fairly healthy dog, then you may not have the fear of him or her getting sick or hurt. The only issue with that is simply that accidents happen all the time. Your dog could easily get sick or hurt if they are playing rough. When it really comes down to this question, it is always recommended to be safe rather than sorry later on.

The good news about pet insurance for dogs is that the average cost per month is usually around $45 to $55. This will vary depending on the insurance you choose to have, but usually the highest price is around $75 per month. The price that you will pay per month or per year will greatly depend on the details of your policy as well. Naturally the more coverage that you have for your dog the higher the price will be. You should shop around a bit and compare prices with different companies to find the best deal and coverage for your furry friend.

Pet insurance is a great option for those who have sickly dogs or dogs that seem to get hurt often. The only downside to pet insurance is that it is only good for large, surprise expenses. Another issue is that most insurances do not cover pre-existing conditions or routine check ups. Unfortunately, those smaller appointments will need to be paid for out of pocket. We all want the best for our dogs especially when it comes to their health. Sometimes it is better to be safe than sorry and have a back up of some kind just in case something were to happen. Make sure that you always research your potential policy and company before making the commitment.