Dog insurance companies

Dog insurance companies

Having health insurance for dogs is an important consideration for every owner. Pet insurance policies can be an additional cost for you to pay out each and every month, but in the long run, they are beneficial in covering medical costs when your dog is injured or becomes ill. 

Are you thinking about health insurance for dogs? Not sure where to start looking? To help you decide, we have put together some of the facts and considerations that you need to keep in mind before you buy your canine health insurance. 

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What to think about before buying medical insurance for dogs

If you don’t think that you would be able to cover any emergency medical bills that are associated to taking care of your dog, then it may be worthwhile that you think about medical insurance for them. 

These are often offered at a monthly premium, meaning that you can break down the payments, and know that you are covered if anything does go wrong. It is recommended that you take out pet insurance as soon as you get your pet, as the younger they are, then the less it will cost you in monthly premiums. Older dogs are much more likely to develop health problems, which is why it costs more to insure them. 

You should also consider the excess that you will be expected to pay out when you claim for any medical costs. The higher the excess that you agree to, then the lower the monthly premium is likely to be. However, you should remember that you won’t be able to get the money to cover the bill, until you pay that excess. 

What to look out for in a pet insurance policy

It may seem that a pet insurance policy is a straightforward thing to arrange, however, once you start looking into it, you will find that there are a variety of different options and extras to consider.

The 4 most common types of pet insurance policies are

 

Accident only pet insurance

Accident only pet insurance- if you are looking for a basic level of cover, then this is the policy that you could opt for. It covers the treatment that your pet may need after an accident, however, does not cover them if they are ill. 

 

12 month or time limited pet insurance

12 month or time limited pet insurance- if there is a chance that the medical treatment or medical treatments after an injury will only need to be for a certain amount of time, then this could be the right cover for you. It is limited for a set period of time, usually a year, and will also be limited on the amount of money that will be paid out for each illness or injury. Once the time, or the money, runs out, you will not be able to cover your pet for that particular illness or injury again. 

 

Maximum benefit pet insurance

Maximum benefit pet insurance- this particular policy covers all illnesses and injuries, no matter how often they happen. It does, however have a set amount of money that will be paid out to cover each treatment, and once that limit has been reached, you will not be able to cover them for that particular issue again. 

 

Life time pet insurance

Life time pet insurance- these policies will offer continuous cover, even if they injury or illness reaches the maximum amount in any one year. All you will need to do is make sure that you renew the policy each year.

 

Policy extras

You can also add in extras to your policies, if you feel that you may need them. These include medical cost cover for dental work, to find their pet if they go missing, having your pet put down, burial or cremation and legal costs in case your pet causes any damage or injury to anyone else.

Dog insurance is a great way to make sure that your pet is covered if anything does go wrong, and when you think about how much medical treatment could cost, you will see why it is worthwhile to pay out monthly for.