In this world, it seems like we are being bombarded for insurance by everything. Medical insurance, car insurance, home insurance, life insurance… to the point where it seems like everything we do is going to be insured. But have you heard of dog insurance? Dog insurance, which is also known as pet insurance, can be very very helpful for pet owners.
Don’t fall into the trap of thinking you don’t need dog insurance, because like the old saying goes ‘it’s better to have it and not need it, than need it and not have it.’ Here are some of the benefits of dog insurance, and once you have read them, you’ll certainly want some for your four legged friend!
- Dog Insurance Covers Sickness
No pet owner loves to hear that their lovely four legged friend is sick and needs medication, surgery, or some other form of care that will cost more money than you have right now. Instead of having to choose between the love for your pet and your money, having dog insurance can be very helpful when it comes to keeping your dog healthy without draining your bank account.
Most insurance policies will cover all sorts of injuries and as long as they are diagnosed by a veterinarian. Specialty care for serious dog illnesses, such as arthritis, cancer, inflammatory bowel disease, and diabetes will also more than likely be covered.
Depending on where you get your dog insurance, they might have waiting periods for their injuries, meaning insurance might pay for it after a waiting period passes.
- Dog Insurance Covers Health and Wellness
If your dog gets injured or eats something they shouldn’t have, dog insurance can cover that. If your pooch gets hit by a car, breaks a bone, gets a sprain, or eats something that isn’t poisonous but is painful, then dog insurance can cover them as well. The dog insurance for accidents are a little more restrictive than illnesses, because they only cover injuries caused by accidents and also your dog’s behavior will determine how high premiums are for certain dogs.
For example, labrador retrievers have high premiums because they tend to swallow foriegn objects. Outside and very active dog breeds also have high premiums because with their high level of activity comes a very high level of injury risk as well.
- You Have Total Peace Of Mind
With your pet, you might find yourself worrying all about the potential of them getting injured or sick, especially if the bills are tight and you don’t have a lot of money to spend on a four figure surgery. However, insurance will pay some or all of your pet’s medical bills, which can be a massive weight off your shoulders.
No pet owner wants to watch their pets suffer, or get lower quality medical care because of what is in their checkbook, but insurance you to have more options and ensure that your pet is able to get better faster.
- It Keeps You From Worrying About Money
While you can save money for a potential pet injury in a seperate savings account, you might be hard pressed to not dip into that fund for other things. For example, car repairs and other unexpected expenses can come up with a bit more regularity than the family pet getting injured, and it might be tempting to dip into the fund and deal with the current problem rather than waiting.
With dog insurance, you will know that the money to partially or fully fix your dog’s problem is there, and you won’t be tempted to access it for other issues because you won’t be able to!
- You Have Control Over Your Vet And Your Pet
Instead of having to choose your healthcare provider, you will be able to pick the veterinarian of your choice to get care for your pet, and give the bill off to the insurance company. If you have a vet that you trust with the care of your pet, you can have them fix the injury or the sickness without being locked into working with someone else.
Don’t Put Dog Insurance Off
There’s a lot of reasons we humans tend to put things off, especially preventative measures like insurance. After all, why pay good money now for something that might never happen in the future? However, you don’t want to have to choose the ‘economic’ option where you have to put your pet down because you have no way to get good quality medical care.
So make sure to buy some good quality pet insurance that will cover a variety of illnesses and injuries, and then your dog will be covered from accidents in the future. With your pooch’s future covered, then you can focus on loving them in the present.