The relationships we share with our pets are often irreplaceable. Their companionship and constant presence can be both soothing and invigorating. Unfortunately, pets suffer health issues and occasionally require costly medical attention in the same way people do. When an emergency occurs and it becomes necessary to visit the veterinarian, many owners are stunned by the costs of performing tests and procedures. If they are unable to afford it, the alternative can be heartbreaking. Pet insurance was created to provide owners with an alternative.

Today’s article will focus on how this unique breed of coverage works. We’ll describe what you can expect after investing in a policy for your dog and how it can reduce the costs of veterinary care.

How It Can Reduce Veterinary Costs

Medical care for canines has come a long way over the past 20 years. Many procedures that are common today were not even possible a few decades ago. As a result, dogs can live longer, healthier lives and receive treatment for a variety of illnesses and disorders that would otherwise have deadly consequences. Of course, as with medical attention for people, the costs of veterinary care have skyrocketed.

For example, a condition called “bloat” (also referred to as gastric torsion) might cost more than $5,000 to treat. Because the condition is life-threatening, an owner who cannot afford treatment may be forced to euthanize his canine. Even a relatively minor leg fracture can cost several hundreds of dollars to set.

To be sure, performing tests and providing treatment for your pooch can be expensive. That is the reasons dog health insurance was created. It allows owners to invest in a policy that helps allay the high costs of veterinary treatment. If your dog becomes sick or is injured, the policy covers the expense.

It works in a similar manner as your health insurance policy. When you visit your veterinarian, he or she will present you with a bill covering the procedures that were performed on your canine. After you pay the bill, you would file a claim with your pet insurance provider. Your provider would then review your claim and send you a check to reimburse you for the treatment provided by the veterinarian.

Is It The Right Decision For You?

Only you can know whether your budget is able to accommodate the premiums attached to a dog health insurance policy. In truth, the premiums are usually slight, especially when compared to the amount of coverage a policy offers. Given that a large portion of veterinary care is attributed to unexpected circumstances (i.e. injuries, sudden onset of illness, etc.), it’s an investment that every owner should at least consider.

The worst possible scenario is to find yourself in a situation that forces you to choose between absorbing a significant veterinarian bill or allowing your pooch to perish. A dog health insurance policy can help you avoid that tragic circumstance.

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Most dog owners never consider dog insurance until they’re faced with a large veterinary bill. And the fact is that you can never foresee when you’ll need to seek veterinary care, or how much it will cost. Not infrequently, a visit to the vet to treat an injury or an unexpected illness can cost hundreds, or even thousands, of dollars. Ouch!

How easy would it be your dog or puppy to break his leg? It happens every day, regardless if these pets stay indoors or are allowed to roam free in the yard. And can you guess how much it will cost you out-of-pocket? The average veterinarian costs for a broken bone is around $900. The monthly premium for dog insurance is pennies compared to such an expense for medical care.

Dog Insurance Options

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/Neutering: Unless you are a serious breeder then it is only ethical that you have your dog spayed or neutered. Your dog health insurance plan may cover up to 100% of the cost. And remember, having your dog fixed helps keep animal population under control and reduces the chances of dogs roaming the streets looking for a mate, often resulting in injuries due to fighting or other accidents.

Prescription Flea Control: Many over-the-counter flea control products do not work on every dog. Fleas are not only a nuisance to your pet, they can also cause warms and serious skin conditions. Dog insurance plans may be able to cover the costs of more potent, prescription-only flea control products.

Annual Veterinary Examination: This is essential for all dogs, even if you think your dog is in peak health. The annual checkup can identify illness and disease before it progresses into something much worse, so that treatment can start at the earliest opportunity. Many dog insurance policies cover the annual veterinary examination costs.

Heartworm Medication: If you forget your heartworm prevention meds, your dog may contract heartworm. This condition is more prevalent than most people realize. And it’s expensive to treat. Your dog health insurance plan is likely to cover this cost also.

Lab Fees: Blood tests and other lab work should also be covered by most dog health insurance plans. Such tests may include blood work for worms, diseases, and abnormalities with pregnancy.

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: Your dog may need to be hospitalized if he becomes ill or if he is injured. We already know that injuries are a considerable expense. And yes, hospitalization is an additional impost. Make sure you pick a dog health policy that covers hospitalization (all the good ones do).

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