Insurance helps protect your dog from large, unexpected veterinary bills.
Modern veterinary care can be very expensive. For example, a trip to the veterinary ER can could easily cost $1,000.
Insurance pays a large portion of your veterinary bills so you never have to decide between digging deep into savings to treat your dog.
The best time to buy your insurance is when your dog is a young and healthy puppy, before any conditions might develop.
It's important to have the insurance before you actually need it because pet insurance is the one thing you can't get when you need it the most.
If buying insurance is the right thing to do, how do you choose a plan?
You should find a company that covers genetic and breed-specific conditions.
This way, you're not stuck guessing what conditions might be covered.
Also find out if the plan you're looking at has per-incident or lifetime limits.
Some companies use benefit schedules that can drastically limit the amount of your reimbursement.
Instead they pay based on your actual veterinary bill so you get more back.
Purebred dogs can be more susceptible to genetic and breed-specific health issues such as hip dysplasia, cherry eye, or luxating patella.
Many of these conditions can be debilitating or life-threatening and can cost thousands of dollars to diagnose and treat as well.
In these cases having insurance for your dog lets you focus on his or her care without worrying about the cost.
It's very simple to use your insurance. Usually you:
Canine insurance will reimburse you for costs associated with diagnostics, surgery, hospitalization, cancer and chemotherapy treatment, and even alternative and homeopathic therapies.
You can visit any veterinarian you like and there are no networks.
Remember that no plan covers your dog for conditions that are pre-existing.
Canine insurance costs on average around $27 per month although the premium varies by the breed and age of your dog, and depends on the amount of coverage you choose.
You can keep your premiums low by opting for a major medical canine insurance plan with a high deductible. This keeps your premium affordable without sacrificing coverage.
Don't forget, you can get discounts on your dog's health insurance if your dog is altered (neutered), microchipped, or if you have a multiple-pet policy.