Do you want to protect your furry friend and save on veterinary costs at the same time? If your answer is yes, then my answer to you is dog (pet) insurance.
If you think your dog can go through its life without any medical issues, you had better think twice. I am speaking from experience when I say that having dog insurance is the way to go.
Back in 2006; the dog I had then, her name was Rosie, was diagnosed with Lymphoma after only having her for five years. I didn’t even realize anything was wrong until one day, while cuddling with her I felt a lump under her neck.
By the time she was seen and diagnosed by the vet, the lumps had already spread to other parts of her body. There was really nothing we could at this point. She lasted only for a week or so after the diagnosis.
Unfortunately, I didn’t have dog insurance at the time and the vet costs were outrageous at that time and they have increased rapidly over the years.
When my next dog came long (that was Gidget), I made sure this time to protect her by purchasing dog insurance. This was the best decision I could’ve made for her and myself because it meant providing her with quality vet care at an affordable price. When she passed away two years ago, having the insurance in place was helpful to me in that difficult time and it certainly lowered the costs associated with cremation and burial.
To this day; with my new rescue pal Chance, I continue to keep the plan in force. The monthly cost is minimal, affordable and the coverage is excellent. It is well worth it.
Importance of Dog Insurance, Aside From Vet Bills
The most important reason to have dog insurance is to protect your best furry pal, that you love so much and make sure it gets the proper and necessary health care at an affordable cost to you. Here are few other reasons:
You can choose your own vet. There is no need to change, if you already have one that you trust.
All breeds and ages are accepted.
It gives you peace of mind knowing your pal is protected should an illness or injury occur.
You can budget the cost of care.
The is no need to use your personal emergency funds.
Is It Worth It?
If you’re asking yourself if dog insurance is worth it, ask yourself “Do You Love Your Dog”? If you’re answer is yes, then the insurance is worth the cost.
Many dog owners feel insurance is too expensive, but it really is not when you add up the costs of health care for your dog and having insurance could even save your dog’s life. For example, if you dog needs treatment for and injury or illness; such as cancer, kidney or heart disease, these would be covered under an insurance plan. Why pay in excess of $10,000 for treatment, if you don’t have to?
Instead, your dog can be covered for an affordable monthly fee. Get this, the coverage I have on my dog from PetPlan, costs me $40.00 per month. I have a $100.00 deductible and I’m reimbursed for 90% of all treatment for injuries and illnesses that may occur.
Ask yourself this, what would you do if an emergency occurs and you have no insurance? Many dog (pet) owners tragically choose to euthanize their animal because they cannot afford the expense of treatment and they don’t have insurance.
Why Have Dog Insurance?
There are basically three great reasons for having dog insurance.
1). You will never have to decide between costs and your dog.
Dog insurance removes the financial considerations from your decision, so you can concentrate on the best care for your dog. Insurance plan differ depending on the provider, plan, breed, age of your dog, where you reside and whether your dog has any preexisting illnesses or injuries. It is wise to take these factors into consideration when purchasing a plan.
2). Accidents happen all the time.
Accidents do happen, no matter how well a dog is taken care of. They can cost thousands of dollars without insurance. Can you afford to take the risk as opposed to buying an affordable insurance plan?
3). You can choose a plan that is right for both you and your dog.
Buying a plan when you dog is young, gives you more options, such as major accidents, illnesses, vaccinations and well visits. Do your research on plans and find the one that’s best for your dog and fits your budget.
What’s Covered – What’s Not
Knowing what’s covered and what’s not, is very important when choosing the right plan for your dog. All plans cover things such as x-rays, blood work, ultrasound, CT Scans, MRI’s, rehabilitation, special exams, surgery, hospitalization, emergency care, specialty care, chronic conditions, cancer, diagnostics, alternative therapy and euthanasia.
There may be some limitations to coverage, so make sure you check out the policy fully. It is important to know and understand that preexisting conditions are rarely covered no matter what plan you choose.
There are many good dog insurance plans on the market. Just about every insurance company on the market today has a dog (pet) policy. In doing my research for this article, I discovered three of the top- rated companies. Healthy Paws is in the number one spot, the number two spot belongs to Pets Best and in the third spot is Figo. Below are their websites, so you can check out the company, their coverage and costs. However, the plan I prefer is PetPlan because the coverage is exceptional and the cost is very affordable.
Even though the three list below may be considered the best, they are every expensive. For that reason, I am adding PetPlan to the list below
Other companies you can consider, and research are; 24PetWatch, AKC Pet Healthcare, ASPCA/Hartville Pet Insurance, Embrace, Nationwide acquired VPI in 2014 and started selling pet insurance as Nationwide (VPI was founded in 1982), Konse Insurance,PetFirst, PetPremium, and Trupanion.
What It All Boils Down To
It all boils down to just one thing…would your rather spend thousands of dollars on care for you dog (per occurrence) or less than one hundred dollars per month for an affordable health insurance plan? If you love your dog as I do mine, you will make that right choice. Euthanasia is never the right choice over purchasing affordable insurance.
For more information, please leave comments below and I will be happy to respond. Also, if you would like updates on this post or any others on my website, please leave your email address in the Black and Orange form to the right of this page.
All the best!
Founder: My Everything For Your Dog 🐶