When deciding to welcome a furry friend into your home, one of the most crucial aspects to consider is dog insurance. While not everyone opts for pet insurance, those who don’t may eventually regret that choice. Illness or injury can strike any dog at any time, and while some ailments can be remedied with a simple vet visit and medication, others may require extensive treatment that can quickly rack up bills.
By investing in dog insurance, you’ll have peace of mind knowing that you have a safety net in case of any unexpected medical expenses. The benefits of pet insurance far outweigh the minimal monthly cost. With a dog insurance plan, you can be assured that you’ll receive financial support for any medication or treatment that your furry friend needs. In fact, the only expense you’ll need to cover are your regular vet check-ups. And, by doing your research to find a reputable and reasonably priced vet, you can keep these costs to a minimum.
In short, when searching for a new canine companion, don’t forget to factor in the importance of dog insurance. By securing a policy for your furry friend, you’ll be providing them with the best possible care and ensuring that you won’t be left with unexpected veterinary bills. So, make sure to consider dog insurance as a crucial aspect of your pet’s overall well-being.
Plans
There are a number of different insurance companies out there which means you are about to shop around and compare the top pet insurance for you and for your dog. There are a number of packages that you can go for that all vary on the level of cover that you want, they start at a basic level of cover and then go higher in price the more they cover. They tend to be three levels of cover that tend to be; essential/standard, classic/premier and ultimate/premier plus.
Essential/Standard
The essential/standard cover only covers you for 12 months, so if you choose this policy you will have to renew it every year. They tend to cover for any treatment up to $3,000, and also a complementary treatment up to $500. They also offer an amount for emergency overseas travel treatment, as well as third party liability, these are the general areas they cover, and you will also find that different insurance companies will also offer slightly different coverage such as money towards a death of your pet due to accident or illness, some also offer money towards any treatment for behavioural issues or problems.
Classic/Premier
The classic/premier cover offers you more support as it is the middle level of cover, they tend to offer around $3500 to $7500 (the amount they cover up to will depend on the company you choose. With the rise in cover you will find they offer everything the standard cover did but they offer a higher price range for each section.
Ultimate/Premier
This is the same for the ultimate/premier plus cover which offers anything from $6000 to $13,000, for veterinary fees, this amount of course depends on which company you go with. This top pet insurance cover also works as an on-going cover so you will pay one fixed cost and it doesn’t need to be renewed
What you will pay…
With any cover you will have to pay a certain amount of excess, this tends to be anything from $50 to $75, this will be the amount that you have to pay for the treatment to your vet that you won’t get back. Some vets will allow you to pay the excess charges only and then they will send off the claim for to get the rest of the money directly from the insurance company. This is not a guarantee and will vary between different veterinary centres so check this with the vet before you need to claim.
Shop around
To ensure that your furry friend is protected, it’s essential to explore different dog insurance policies and covers available to determine the best one for your needs. Every dog is susceptible to getting sick or injured, and having insurance coverage can provide peace of mind that you’ll be financially prepared if the worst happens.
If your dog has pre-existing medical conditions, it’s crucial to declare them when taking out a policy. Insurance coverage for hereditary or congenital conditions may vary among companies, and declaring them can alter the type of coverage you receive. Broken bones or existing injuries also fall under two categories: recurrent and ongoing, which can affect the type of coverage you can receive. It’s essential to declare any pre-existing conditions to ensure you have full coverage.
Moreover, preventing dog accidents is crucial, and many pet owners opt for a dog crate or playpen to protect their furry friends. If you have an older dog, insurance coverage is still available, although the monthly cost may be slightly higher.
In summary, obtaining the right dog insurance coverage is vital to ensure your pet’s well-being and financial security. By researching and comparing different policies, you can find the best coverage for your furry friend’s unique needs. Don’t forget to declare any pre-existing conditions and take preventative measures to keep your pet safe and healthy!
