Welcoming a pet is an exciting time. After all, it usually doesn’t take long for them to feel like a part of the family. So does that mean you need to get pet insurance for your dog? After all, the rest of the family usually has healthcare, right?
What is pet insurance?
Let’s start with the basics: what is pet insurance? Just like medical insurance, pet insurance means that our four-legged friends are covered for all sorts of accidents and injuries. Depending on the amount you pay and the contract, you might find that certain conditions are or aren’t covered. Plus, most pet insurance companies pay out if an accident or illness causes your pet to pass.
How much does pet insurance cost?
How long is a piece of rope? Of course, the type of pet insurance you choose will determine how much you end up paying each month. The price can also be affected by the age of your dog and whether they already have any pre-existing medical conditions. Pet insurance can even be more expensive for certain breeds as they are more susceptible to certain illnesses or conditions, such as larger breeds having hip dysplasia.
What is covered by pet insurance?
Pet insurance covers all sorts of aspects when it comes to veterinary care. Although they vary between each provider and the deal you take out, most tend to cover any type of accident, such as injuries or eating something your dog shouldn’t. Illness is another thing that’s typically covered when it comes to pet insurance, but note, many insurers won’t take on a dog’s pre-existing medical conditions. If they do, they usually come at a high cost.
Are there different types of pet insurance?
There are several different types of pet insurance on the market. These vary from the most basic levels of cover all the way through to covering everything you could need. Basic insurances typically pay out for emergencies, while lifetime policies will cover your dog for life, even if they develop a permanent illness or injury. Although the latter can be the most expensive, these types of insurances mean that your pet will be covered from day one until they pass.
Do you need to get pet insurance for your dog?
So, do you need to get pet insurance for your dog? The simple answer is yes. That is if you want to avoid potentially larger bills in the future. Having pet insurance means owners need to pay out a small fee each month – or one larger fee a year – but it means we shouldn’t have any unexpected or large bills to pay if something bad happens. Just be sure to check the small print to ensure you know everything that’s covered and excluded before signing up for any insurance policy.
When it comes to choosing pet insurance for your dog, there are so many different types of coverage on the market. It’s all about shopping around to ensure you get the best deal for you and your dog.