There are so many things to consider when shopping for the best dog insurance available. There is the common assumption that all dog insurance has similar rates and coverages, but this is simply not true. Because dogs are a different breed than cats, their risks and the nature of their work vary dramatically from one insurance company to the next. To get the most competitive rates on your dog’s insurance you should do your research and comparison shopping carefully.
The first thing you need to do is figure out how much your dog costs you every month. This includes the cost of the premium itself, the deductible amount, any regular payments you make (such as for me), and any veterinary expenses. If your pet gets older it may be required to have annual check ups or may require surgery at some point. You need to add these amounts into your monthly price to get a true cost of insurance for your dog.
You should also look at the coverage options and benefits that your potential pet insurer offers. There are many different plans available that vary according to age, health, breed, and other factors. Make sure you ask about the level of lifetime care, your dog will be able to receive. This is a critical factor in deciding which dog health insurance plan is best for you.
Many dog health insurance plans offer great coverage and high deductibles for routine visits to the vet. Of course the higher the deductible the lower the premium, but the higher the deductible the lower the overall value of the policy. While both health plans offer great protection, you must carefully consider which option will be best for your pet. Some plans offer great coverage and low premiums but only pay out to the vet in extreme cases and you may have to pay more out of pocket if your dog has to go to the vet very often.
Other dog insurance policies pay out the entire cost of veterinarian bills and other routine care costs, like de-worming. If you are careful, you can find a policy that will cover the costs of veterinary care, but won’t completely eliminate any deductible. Keep this in mind when comparing plans, as you want to make sure you’ll be able to afford all necessary vet bills, even if you have to pay a bit more out of pocket.
Some of the best dog insurance policies pay for annual wellness exams and annual preventive care visits to the vet. Both of these are extremely important and you should make sure they’re included in the policy. Many policies will cover annual flea and tick treatments, but you may need to get a separate veterinarian fee cover to cover the expenses if you choose to take the advantage of this benefit. Just make sure you understand how many visits you’ll need to make each year and which services will be covered.
When it comes to dental care, you have a few options. Many policies will pay for dental treatment up to a certain point. Then, if you choose to renew the policy, the premiums will increase according to the average cost of dentist fees over the past year. This is the only way you can get a good deal on dental coverage, since most policies don’t offer a full coverage guarantee. The same is true for dental plans for older dogs. Most won’t cover treatment for existing teeth unless you take advantage of a special plan.
Pet health insurance companies offer dog health insurance plans for just about every type of furry friend you can imagine. They cover routine vet checks, dental care and pre-existing conditions. You should compare different plans before deciding on a company to provide your pet with coverage. Not every plan is created equally, and you want to make sure you’re getting the right benefits for your dog at a price you can afford. Choosing a quality health insurance plan is important for you and your pet so both can be happy and healthy throughout their lives.