Nowadays, dogs are considered as family members. And veterinary bill costs continue rise, pet insurance is becoming more important. Common illnesses, routine checkups and injuries can cost you thousands of dollars. If you have a dog insurance plan, your burden as a pet owner is reduced.
Although you are shopping around for the right insurance plan for your dog, it is imperative to know the cover of the packages available. Plans tend to vary by companies so there is no assurance that a lower price package covers the needs of your dog.
Dog Insurance Coverage
Pet insurance covers the vet costs involved if your pet is injured or diagnosed with an illness. In such situations, if you bring your pet to the vet’s office, you will have to pay the bill using your money. As you submit your claim to your insurer, you will get reimbursement. The costs covered in such cases include surgeries, diagnostic testing, supplements, medications, therapeutic pet foods, hospitalizations as well as prosthetic and orthotic devices.
Things Not Covered
Unless you pay a premium, you will have to pay for routine costs. The inclusions are items like preventive care, examination fees, spaying/neutering, parasite control as well as dental polishing and scaling. Also, pets with pre-existing conditions including illnesses or accidents which show symptoms before the start of the coverage won’t be covered under a pet insurance plan.
Perhaps you wonder why routine tests are not covered in your pet’s insurance policy. This is because such tests are routine which would increase the premium of the policy without offering additional benefits. But, ask your insurance company if you can add it to your present plan with a price increase.
Each pet insurance company is different so never assume they will cover similar things for similar prices. A number of companies provide a bit more, some provide a bit less. You need to go over carefully what your policy covers and does not cover. Know the amount of deductible that you need to pay. Being able to do your research now could surely help you in saving thousands of money down the road.
It is important to note that the average healthy pet can accrue around $5,000 in vet bills over its lifetime. And such cost can double when your pet ingest foreign objects or poison, hit by a car, gets bitten by a stray or suffer serious diseases like cancer. That is why buying pet insurance truly makes sense and finding the best pet insurance plan is a move that a responsible pet owner like you should do.