Why You Should Have Dog Health Insurance?

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Monday, August 25th, 2008 Subscribe To Our Feed

Most dog owners never consider dog insurance until they’re faced with a large veterinary bill. And the fact is that you can never foresee when you’ll need to seek veterinary care, or how much it will cost. Not infrequently, a visit to the vet to treat an injury or an unexpected illness can cost hundreds, or even thousands, of dollars. Ouch!

Have you ever suffered a broken bone yourself? Well, your dog is no less likely to do so. Dog bone fractures occur across the spectrum, as well - a dog that stays indoors is not much less likely to break a bone as a dog that spends all his/her time in the backyard. And broken bones of course also occur elsewhere - when you’re out walking, or running, with your dog, or if your dog takes off on a jaunt of his own, as many do if they get half a chance. And broken bones are not cheap. The avery vet bill for a broken leg is almost one thousand dollars.

Dog Health Insurance

As with any insurance plan, the types of coverage offered and the prices for these premiums will vary from company to company. However, you can expect the top dog insurance plans to offer coverage on the following veterinarian services:

Spaying/Neutering: Unless you are a serious breeder then it is only ethical that you have your dog spayed or neutered. Your dog health insurance plan may cover up to 100% of the cost. And remember, having your dog fixed helps keep animal population under control and reduces the chances of dogs roaming the streets looking for a mate, often resulting in injuries due to fighting or other accidents.

Prescription Flea Control: Some dogs just don’t respond adequately to over-the-counter flea remedies. And fleas must be taken seriously, not only for your dog’s comfort, but because they also carry various diseases and encourage other parasites. Dog insurance plans may cover the costs of the more potent prescription flea control products.

Annual Veterinary Examination: This is essential for all dogs, even if you think your dog is in peak health. The annual checkup can identify illness and disease before it progresses into something much worse, so that treatment can start at the earliest opportunity. Many dog insurance policies cover the annual veterinary examination costs.

Heartworm Treatment: If your dog is diagnosed with heartworm, immediate treatment is required. And it’s expensive. Although it’s certainly by far preferable to avoid the heartworm infestation in the first place by using heartworm prevention, your dog insurance should in fact cover the cost of heartworm treatment should the need ever arise.

Lab Costs: Blood tests and other lab work is covered by most dog health insurance plans. You never know when your vet may want to order blood work - especially if serious diseases are suspected, such as diabetes or heartworm.

Teeth Cleaning: Having your dog’s teeth cleaned probably never occurred to you, but this service is something you can take advantage of by enrolling in a dog insurance plan. It is refreshing to know that you can have your dog or puppy’s dental work maintained and keep his gums and teeth healthy for years to come.

Hospitalization Costs: As mentioned previously, accidents do happen and should your dog suffer a broken leg or get diagnosed with a serious illness, the high fees of hospitalization time can be enormous. Instead of paying thousands of dollars out of your pocket, you can be worry-free knowing that these fees are taken care of by your dog insurance coverage.

For dog insurance info and its alternatives, choose a dog health insurance for every financial circumstances.

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