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If you have taken out dog insurance to cover the veterinary costs you may incur for your dog or puppy, then you’re in the minority. The majority of pet owners never think about dog insurance - until, that is, they receive a vet bill in the hundreds, or thousands, of dollars. And to think that dog health insurance would have covered those fees!

And how easy is it for a dog to break his or her leg, do you think? Well, just as with humans, bone breakages in dogs happen every single day, and they can occur in your back yard and inside your house, as well as outside while exercising your dog in the park or at the beach. So how much do you think that broken bone might cost in veterinary fees? Well, the average vet cost for a broken bone is $900.00. By comparison, the monthly premium for dog insurance is just a few dollars, and you’re covered for every eventuality.

Dog Insurance Coverage

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: Some dogs just don’t respond adequately to over-the-counter flea remedies. And fleas must be taken seriously, not only for your dog’s comfort, but because they also carry various diseases and encourage other parasites. Dog insurance plans may cover the costs of the more potent prescription flea control products.

Annual Examination: Whether or not your vet has conned you into thinking that annual vaccinations are essential for your dog, the annual examination is a necessity. It will identify minor health problems before they become major health problems, and treatment can start while there’s still a good prospect of success. Your dog insurance policy should cover the annual exam.

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 Costs: Blood tests and other lab work is covered by most dog health insurance plans. You never know when your vet may want to order blood work - especially if serious diseases are suspected, such as diabetes or heartworm.

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: As mentioned previously, accidents do happen and should your dog suffer a broken leg or get diagnosed with a serious illness, the high fees of hospitalization time can be enormous. Instead of paying thousands of dollars out of your pocket, you can be worry-free knowing that these fees are taken care of by your dog insurance coverage.

Tags: Pets

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