Your dog requires treatment to make sure it has a good chance of living a happy, healthy life. Providing medical treatment can be very expensive. Sometimes, it can cost thousands of dollars to provide your pet with good medical attention.
Purchasing dog health insurance is a good option that will help decrease medical costs for your dog. A study has shown that dog owners spent more than 10.5 billion dollars to provide health care for their dogs in the year 2005. Health insurance coverage helps to decrease costs.
How does a dog health insurance coverage policy work?
A dog health insurance policy operates similar to a health insurance you have for yourself. The plan sends payment directly to you instead of the health provider. A claim form is completed and sent to the insurance company. A check to cover the medical expenses is sent to you to pay the provider.
It is important to be aware that all medical difficulties are not covered.
A dog owner must research what conditions are covered or not covered in a dog health insurance policy.
How to choose a pet dog health care provider
Price
Everyone wants to save money. Price is always a factor when purchasing pet health care insurance. The costs will be higher if more coverage is required. The average cost of a pet dog health care insurance policy is approximately $25 per month. The age and health of your pet dog will also affect the price of the policy. The policy cost is higher for older dogs.
Coverage
Be aware that not all medical problems are covered. It is very important to know what is covered and what is not before purchasing. Pre-existing medical conditions are usually not covered. Policies with more required coverage will cost more but the bills will be lower.
There are plans available that cover only emergencies and/or severe illnesses. A plan with more than this coverage alone is recommended.
Be sure to inquire about surgical coverage for your dog. Pet health care insurance plans that include coverage for veterinary hospital admission are beneficial.
Deductibles
All insurance policies have deductibles. A deductible is the maximum amount required to pay. The cost of the policy is lower if the deductible is higher.
Just like with medical policies that people have for themselves, a physical examination for your dog is required. This fee is paid by the policy buyer.
All insurance companies don't provide, pet health care coverage. More insurance companies are considering this type of insurance coverage as this option is becoming very popular and growing quickly.
Keep your dog for friendship and companionship. Provide your special family member the love and attention it needs and keep your valued pet for many years to come.
