You may ask yourself how much does dog insurance really cost you? How much are you prepared to pay out every year to get your dog the best care?
It appears that an emergency trip to the ER could cost you around $1000 so it will be worth your while to get dog insurance for your pet. Dog insurance usually costs between $20 and $40 per month depending on who you choose to insure with. Of course the costs can vary on the breed of the dog and also the age. It will also depend on the amount of cover that you want. You can keep the premiums low by choosing an insurance plan with a high deductible.
What Does Insurance Cover?
There are new treatments and diagnostic machines which are almost the same as the private health care insurance that you get for humans. Of course these all come with a high cost so you can see why the premiums are high. Some of the insurance companies will offer you a discount if your dog has been micro-chipped or if you want to use the insurance for more than one pet. So always ask about any discounts.
Dog insurance costs are around $300 a year and the best time to enroll your dog on a plan is when he is fit and young and healthy. It is important to have dog insurance before you need it. We all hope that our pets won’t fall ill but, just like humans, even dogs can suffer from ill health from time to time.
A pet health insurance policy can cost anything between $2,000 and $6,000, with monthly charges between $20 and $40 monthly. The younger the insured pet is, the lower the rates will be as the premiums increase as an animal matures. The cover will continue on your pets as it ages, but cover may not be purchased for animals that have not been previously insured.
Coverage for Preexisting Health Conditions
Beagles are good insurance risks because they have good health records, but other breeds that are at-risk for inherited conditions, may make them much more expensive to insure. Consider the Pug or the Bulldog, both of them are prone to issues with their eyes, eyelids or skin folds and teeth and potential respiratory problems.
Most pet insurance companies do not cover for preexisting conditions, which will limit the type of insurance you can get for your pet. Some companies do offer coverage for some chronic conditions, such as osteoarthritis or diabetes.
You may want to go for complete care coverage that will cover both routine and emergency veterinary care, while other people may want to choose one that covers only illnesses or accidents. So you can see just how much an insurance for a dog can vary. It all depends on the type of coverage that you want and the breed and age of your dog. So look around and see how much you can afford to insure your dog receives the best care.