We care so much for our pets that just the thought of losing them brings us in tears. That is why we need to try and make their lives as good as possible. We can treat them to their favorite snacks and toys, we can take them for walks in the park or at the beach, but we need to think ahead for unpredictable situation. We need to think about getting a good pet insurance in order to make their lives better.
If you have started thinking about getting health insurance for your dog, you might find yourself in one of two possible situations: your dog is has been ill and you feel that getting him insurance will help you with the bills, in case the illness comes back; you have a healthy dog, but you have seen so many issues with the dogs around you that you prefer to get insurance before anything goes wrong.
Having insurance for your dog is becoming more and more popular. People realize that vet bills can become quite expensive and it is quite hard to predict if your dog will or will not be ill during his lifetime, and it is better to be safe than sorry, right?
Most dogs are playful, if not for a lifetime, at least as puppies. This means they get to chew on the most insane things, play with dangerous stuff, jump from high places and do plenty of other things that might be dangerous for their health and their life.
Apart from accidents or injuries, dogs can also develop illnesses. Each breed is predisposed to a number of chronical diseases that they might or might not develop during their life. It depends on their diet, how much they exercise and so on, but still, as with humans, you never know when something strikes all of the sudden.
Going even further, dogs get lost. It does not take more than a minute of you not paying attention, for your dog to run away or be taken away by someone. Paying a big reward to the person that offers information about your dog is a good way to get people helping. But you do not always have such an amount available.
Any of the above can happen to almost every dog. And no, it is not your fault if it happens, and also it is not your fault if the vet bills become too much for you to handle at one point. There are plenty of shelters full with dogs, because their owners couldn?t pay for their treatment any more. And that is sad.
So yes, there are plenty of reasons to consider having insurance for your little friend!
What does having dog health insurance imply? Usually paying a monthly or annual fee as any other type of insurance.
What does it give back? Full or partial coverage of your vet bills, treatment for different types of diseases, and also wellness.
You might have noticed that there are a lot of insurance companies that have all types of offers. What you do not know is that most of them only cover a few things. That is why you should always be careful and read all the paragraphs inside the contract before signing it.
But what should a pet insurance cover? For one thing, you need to make sure that it covers accidents. Most insurance companies state that they cover accidents, but in reality, that is conditioned by many aspects. Make sure that you read all the clauses in the insurance before purchasing it. Also, it should also cover illnesses, advanced care and preventive care. You are basically getting your pet health insurance. It should cover all types of treatments and it should not condition the buyer in any way.
And how does a pet insurance policy work? When you pet needs medical attention and treatment, you simply submit your paid vet bill to your insurance company, submit a claim and get money back fast. However, you need to make sure that the insurance covers the services that your pet requires. Some will say that it is a waste of money, but that only applies if you do not get more quotes from other insurance carriers.
A pet insurance policy should also cover all types of accidents, from car accidents to poisonous ingestion. In some cases, some insurance companies assist the client on site. If the owner is at the vet?s office with such an emergency, a representative from the insurance company will come in and take care of a percentage of the costs. However, you need to keep in mind that these companies have the most expensive insurances.
You should also pay attention to those that offer advanced care. This is something that will help you a lot in alternative therapies, behavioral issues and many more. Basically, you are offering your pet the chance to get proper care for any type of situation.
ASPCA can help you find the best insurance for your pet. You need to talk to your vet about your pet?s needs and what should the insurance cover. If you are not sure, you can talk to ASPCA representatives to help you out. They will come up with custom pet insurance that feeds the needs of your furry friend. And if your pet is exotic, you need to know that there are special policies for them as well.
