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Dog Insurance Is it Worth the Money?

Garry L. Neale
 


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Pet health insurance is becoming much more common these days due to fact that its availability is becoming increasingly publicized. Dog owners can find an array of coverage through a variety of companies that offer extensive coverage. If you own of a canine companion, you can find policies that will cover most any general maintenance or illness concerns. With veterinarian medical bills increasing at the same rate as the cost of doctor bills for people, getting help with coverage for your dog's medical expenses can be a wise move.

Americans spent more than $12 billion in veterinary care in 2007. Fortunately, dog owners are have begun to realize that low cost dog health insurance is now available in the to almost everybody. Although dog medical insurance has only recently been gaining major recognition, it has been available for the last several years. This type of pet health insurance and has proven to be a very reasonable financial method for assisting pet owners with veterinary costs. With a dog health insurance policy, dog owners are now free to make beneficial health care decisions for their pets, focusing more on their dog's well-being than on paying high veterinary costs.

There are even policies that will cover the purchase price of the animal in case of accidental death. This is very helpful for owners of breeds that are very expensive as well as those owners who invest large sums of money in show animals. Dog insurance will usually cover general care and emergency services and a few other select options. The type of coverage will directly affect the premiums paid.

So, which plan should you choose? You should know that only a few companies, cover certain breed-specific conditions. For the best protection, you need to choose a dog medical insurance plan that covers these specific conditions.

While improvement in veterinary medicine means dogs can now live longer, more fulfilling lives, they can still be costly and dog owners need to be ready for the high cost. Having a dog health insurance allows you to plan your veterinary expenses so you don't have to be trouble about whether or not you'll need to change your lifestyle, take on a part-time job, or give-up the next family vacation to pay for your vet bills. Dog insurance on average costs about $25 a month, although the premiums do vary by the age and breed of the dog and also by the type of coverage you are seeking.

As your dog get older, it will be much more susceptible to health care problems. The older your dog is, the more likely you are to pay high pet insurance premiums. If your dog is too old, you probably won't be able to get dog medical insurance. While most pet insurance carriers will not just cancel your dog's coverage, they start adding a additional charge as your dog ages. Most pet insurance companies will not ask for a medical history on your dog. However, if your dog has some kind of congenital disorder, suffered from an recent accident, or contracted a disease, you may not be able to get coverage for those problems.

Garry Neale is and avid dog enthusiast and creator of the popular e-book, “The Dog Lovers Guide ", a FREE dog owners handbook you can download at no cost from his Dog Lover Website .

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