Anyone who has had to take their dog to the vet lately should understand the need of dog insurance. The cost of medical care for your dog is expensive, and there are times when people can not afford to pay out of pocket expense to care for their dog. Having a quality dog health insurance plan in place can take the burden off of dog medical expenses. Finding a good dog health insurance plan is not always easy. There are many policies out there to choose from, and not all of them are the best dog insurance plans.
Dog Insurance – What Makes Up A Good Dog Health Insurance Plan?
The first thing that should be considered is the deductible. All of the dog health insurance policies have a deductible. Most of the time it is $200, but some policies have higher deductible. There are a few dog insurance policies that have deductibles as low as $50. Knowing what you can afford to pay in terms of an up-front deductible will help when it comes time to choose the best dog insurance policy.
The next aspect of choosing dog health insurance is to consider what the policies cover. Some policies are very limiting in coverage while others cover everything. An example would be dog insurance that covers only accidents and not illness or genetic inherent health problems. Some policies will cover accidents, illness and hereditary conditions. Choosing the coverage that your dog will need is not easy. Some breeds of dogs are prone to certain hereditary conditions. Some dogs are very active so the risk of injury may be higher. The reality is that we just don’t always know what our dogs health history may entail. Considering the cost of medical treatment it seems like it would be a good idea to find the best dog insurance coverage possible.
Another aspect that should be considered when looking at policy coverage is the percentage of what the policy will pay. Some policies pay a flat annual amount while others pay a percentage. Some pay a percentage of each bill to a maximum annual amount. To choose the best dog insurance policy consider the deductible and the percentage that is covered by the policy. The difference is going to mean more money out of pocket. If your dogs vet bill is $1,000 and you have a $200 deductible then expect the insurance to pay up to 90% of $800. Which means that you will have an additional $80.00 to pay, plus anything that the policy does not cover. Some policies will pay up to 100% but will charge an additional premium amount for that coverage.
Dog Insurance – Premiums
Policy premiums range in price from under $6 per month to close to $80 per month. The difference in what they cover is substantial. A high end policy will include spay and neuter, dental cleaning, annual physical and certain vaccinations such as rabies shots. The lowest paying policy premium may only cover accidents and not illness or hereditary health issues. Additions fees for spay and neuter would also not be covered by the policy.
Many websites that offer dog insurance will also offer a consumer rating for policies. These ratings can really be worth their weight in gold. These are the satisfaction ratings of consumers who have used dog health insurance policies and their rating can say a lot about customer service, coverage, and overall function of policies. The consumer ratings may also help to identify dog insurance companies that you may not want to deal with.
If you have had dogs before, and are familiar with the veterinarians in your area, than it may be a good idea to check with your favourite vets office to see what insurance policies they accept and whether or not they may have a recommendation for the best dog insurance.
Dog Insurance – Conclusion:
In closing, remember to consider the deductible and the percentage that a policy will cover because those two costs represent the biggest out of pocket expense for the consumer. Also, look at what the policy covers and compare coverage to similarly priced policies. The health of our dogs are important to us and policies that are there when we need them make it easier for us to provide the quality care our dogs may need.
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