For many people, their dog is their best friend, and a trusted member of the family. They want to get them the best care available, in case they ever become sick or have an injury of some sort. This is one of the main reasons why pet owners opt to purchase pet insurance. However, all policies aren’t created equal, and there are a bunch of factors to look into before choosing a plan that will meet your needs. There are different types of policies, as well as different amounts of time you are covered for. With that here is some guidance on chosing the best pet insurance for dogs.
Types of Policies
Here are explanations for some of the most popular pet policies.
- Accident Protection: This is the most basic of all type of insurance. It pays for a dog to go to the vet after they have any type of accident. However, this usually only covers up to a certain amount of protection, so this basic policy can also vary dramatically, depending on how much it covers and if there is a time limit.
- Timed Coverage: This policy is normally purchased after a dog is diagnosed with a disease or illness. It provides for all the vet coverage for a certain amount of time and up to a certain amount. In other words, if your dog has just been diagnosed with a serious ailment, you’ll be able to take them to the vet many times and not have to pay an extra cent over the course of time the policy covers, which could be anywhere from a few months to a year.
- For a Condition: Another way to protect your dog if it has an illness is through this type of policy. There are policies that cover a certain amount of money, but don’t have a time limit. This means you purchase a plan that covers a flat amount and the dog can go to the vet until that amount of money has been spent on its care.
- Lifetime Policy: This is the most extensive type of insurance that is available for pets. It covers a certain amount of money per year, but it must be renewed each year. This means that you won’t have to pay out of pocket for a year for your pet’s coverage, in many instances.
Of course, none of the policies will pay for all the extras. You’ll likely have to pay extra for many things not covered. This includes things like prescription pills and getting your dog seen by the vet in an emergency. In some cases, you’ll also have to pay for each veterinary visit you go to, kind of like a deductible in human health insurance.
How it Works
The process is a little different than any other type of insurance. When you obtain a pet insurance policy, it doesn’t just pay out when you go to the veterinarian. You will likely have to pay the whole bill yourself and then file a claim on your insurance. Then they will reimburse you for the money you paid out. In some cases, they will pay you back the whole amount, and in other instances they won’t. Make sure you look at all the information included with your policy so you know for sure what yours covers. You don’t want to be caught by surprise when a bill comes.
Things to Remember
Not all dogs will be able to be insured. For example, any dog that has a preexisting condition is likely to be uninsurable. That means you wouldn’t be able to get any of the policy types discussed above.
Another thing to keep in mind is that these policies do have to be renewed periodically, so you can’t just pay for it and then expect it to work at a later date. Many of them don’t cover a pet for very long, so you’ll need to be exact with your visits so you’re covered.
There are many companies to buy pet insurance from, but some reputable companies with the most extensive plans are More Than, John Lewis Insurance, Tesco, Argos and Petplan dog insurance. They each have a variety of different options that offer various features and monetary limits.
There are policies for every type of budget, so don’t think you can’t afford it. Some are only a few pounds a day to protect your pet. Other insurers that offer good deals are Animal Friends, M&S Bank, and Blue Cross. It is important to get a plan that will keep your pet protected and at the same time not break the bank. Just like your other insurance plans, you should get as much as you can, to plan for the future. That way, if something major happens, you don’t have to spend hundreds and hundreds of pounds for pet care.
If you are still unconvinced that you need to get pet insurance, think about how much it costs to go to the vet for a regular check up. It is quite expensive and would be even more expensive if your pet had a condition or injury. You can save yourself hundreds or thousands of dollars in an emergency if you plan ahead.
Furthermore, there are ways to get a better rate on your pet insurance. If your pet has been spayed or neutered, there’s a good chance you’ll have a reduced rate. It also helps if you have had them micro chipped. If you have a dog that doesn’t have any previous history of health problems, this will also lower your rate. On the flip side, larger dogs, or dogs that are more likely to have problems due to their breed, will encounter higher rates. For instance, a Pomeranian and a Rottweiler would not have the same rate when it came to insurance. There are sites out there that can help you compare prices, so you might want to check some to do your part to get the best rate for your furry friend.
Choosing the best pet insurance for dogs is something that takes a bit of research and planning ahead of time. You need to shop around for the best deal and also be familiar with all the different types of plans that are available. That way, you’ll be able to tell when you’re getting a great deal or when you need to switch plans. You’ll also need to know how the insurance pays out, since you’re responsible for the bills and deductibles ahead of time. Make sure you do adequate research to find the best plan. Furthermore by understanding what your dog can eat, the needs of each breed and creating a safe living environment for your dog you’ll hopefully never need to take advantage of any insurance you choose.