Doggy Insurance And What To Consider
Pet insurance can often be more confusing than health insurance for humans. Every insurance company has different stipulations regarding what they will cover, and dogs come in many different breeds. Each breed has its known strengths and genetic weaknesses, and insurance will generally vary for each breed of dog as well.
Pet Insurance Is Important
Don’t neglect to get some sort of pet insurance, and the earlier the better. Your puppy will need regular vet visits for annual injections for canine diseases, worming treatments, flea and tick treatments, annual injection for heart worm (better than pills). Then there will no doubt be those unexpected times when you will need to take your dog to the vet in the event of an accident or illness.
We all know how costly vet bills can be and pet insurance will help to alleviate some of the financial burden as well as giving you peace of mind knowing that your beloved dog is covered in case of an emergency.
Be Very Selective
Like all legal jargon, pet insurance offerings by the many pet insurance companies can be rather confusing when it comes to what they actually cover. When you go to a pet insurance website and look at the options, the information is often quite general and vague in nature. It’s only when you start reading deeply into the company’s product disclosure statement (PDS) that you really discover exactly what they do and don’t cover. A PDS in itself can be very confusing to read, so the best advice is, if you find cover that you think you might be interested in, prepare some valid questions and give them a call to really clarify what exactly is covered for your breed of dog.
Is Your Dog Too Old?
When your dog reaches a certain age – and this will vary depending on the breed – pet insurance companies may consider them too old to start a policy. Meaning, the insurance company fears there will be many visits to the vet with an old dog and there will be no profit in it for them. At the end of the day insurance companies are a business, and their policy approvals and denials are based on their perceived bottom line from the transaction.