Why You Need Dog Insurance
If you have taken out dog insurance to cover the veterinary costs you may incur for your dog or puppy, then you're in the minority. The majority of pet owners never think about dog insurance - until, that is, they receive a vet bill in the hundreds, or thousands, of dollars. And to think that dog health insurance would have covered those fees!
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
Look into the different types of dog insurance plans available. The same as with other types of insurance, dog insurance policies do vary, so it's wise to compare a couple before you buy. All good dog insurance policies should cover the following items:
Spaying or Neutering: Only professional breeders and other dog owners who show their dogs professionally are exempt from the obligation to spay or neuter their dogs. All other dog owners should take it as an absolute obligation, so as to avoid any more unwanted dogs in this world. There are many other good arguments for spaying and neutering beyond the scope of this article, but suffice to say, spaying or neutering your dog is important. And it is likely to be covered by any good dog insurance plan.
Prescription Flea Control: Most dogs remain flea-free with Frontline and similar flea control products that are available over the counter at your veterinarian (or at pet stores or online). But a few dogs have ongoing problems with fleas such that prescription flea meds may be required. Most dog health insurance plans cover these prescription flea control meds.
Annual Examination: Whether or not your vet has conned you into thinking that annual vaccinations are essential for your dog, the annual examination is a necessity. It will identify minor health problems before they become major health problems, and treatment can start while there's still a good prospect of success. Your dog insurance policy should cover the annual exam.
Heartworm Medication: Should your dog be diagnosed with heartworms, the medication needed may also be covered by most dog insurance plans.
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: If your dog suffers periodontal disease, or you are unable to keep his teeth clean by other means, surgical teeth cleaning is often required. And because it's performed under anaesthetic, it's pretty expensive. Good news - your dog insurance should cover this, too.
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.
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