All You Need to Know About Pet Plans and How Coverage is Provided

The right policy can help in a time of need...

If you own a dog, you most likely know that feeling of distress you experience when you think about the possibility that your dog might get seriously ill. Still, an excellent pet policy might help you in that time of need and save you a lot of money.

The correct pet plan will be able to cover for your dog’s annual checkups, vaccines, small health issues, and critical surgical procedures. And it is a good idea to point out that the average healthy pet will cost you around $5000 in their short lifetime. But such prices can double or triple if your companion ingests something harmful, gets injured, bitten, hit by a car, or develops a severe health issue like cancer.

Read on to discover all you need to know to make the best decision about whether or not your pet needs an insurance plan.

Annual veterinary appointments can save your pet’s life

No matter if your dog is healthy or ill, you can improve and extend his or her life with an annual vet check-up. Besides, this is a great approach for preventing severe health issues from happening.

Thus, as a general rule, a top-notch pet plan will feature wellness visits:

  • Basic annual vet check-ups should be included in your pet insurance, along with basic procedures like stool samples or vaccination;
  • De-worming and microchipping should be featured in your plan, as puppies require it.

And because of such annual vet appointments, almost all severe dog health problems can be identified early on and successfully treated before they threaten your companion’s life:

  • Cancer discovered in its early stages is treatable in dogs with the aid of chemotherapy or surgical procedures;
  • Parasites can be deal with before causing discomfort to your dog;
  • A policy with dental care check-ups can promote good oral health for your dog, and diminish the chances of needing a stressful dental surgery.

Always remember that animals are designed to hide their pain, which can make it quite challenging to tell if there is something wrong with your pet. As such, annual vet appointments are more than necessary and can turn out to be life-saving and can spare a lot of suffering for your dog.

What does your pet plan need to have?

For making an informed decision about pet insurance plans, you should ask your vet for advice. And, of course, you should research some additional information about how pet plans work.
Mostly, you will have to think about the following aspects:

  • If you own a healthy dog, you most likely will require a standard plan;
  • If you own a dog that has a predisposition to health problems or you have two or more dogs, you will have to look for a full-coverage pet plan with little to no restrictions.

Some pet insurance providers might offer coverage for genetic predispositions for some breeds like it is the case with hip dysplasia. But at the same time, many pet plans don’t come with such features. So, to be sure making the right decision, you are recommended to search for information about different insurance companies, and is one of the best sources to start from. 

The secret with choosing insurance for your dog is to think about the future and what your dog might need. As an example, think about pugs that are prone to developing sleep apnoea or pulmonary problems. Such pups rely on a specific plan that covers such ailments.

The mechanism behind pet policies

  1. Starting with eight weeks of age, dogs can be suitable for receiving coverage within a pet plan;
  2. The average cost for a dog insurance policy ranges between $10 and $60+ monthly;
  3. The breed, age, and health problem have a direct impact on the premium fee;
  4. Older dogs can receive several benefits from pet insurance;
  5. Several dogs can receive a discount if they live in the same house.

Also, you can opt for paying your deductible per-incident or in an annual deductible fee before the insurance being deemed valid. As a general rule, a high-deductible policy offers a lower monthly premium. As such, with a pet policy, you will have to pay upfront the costs for the vet visit and request a reimbursement from your provider later. In most situations, claims receive approval and compensation that can go up to 90% of the overall costs.

The verdict: is it worth investing in a pet policy?

Having a dog implies a lot of responsibility and risks, which can be dealt with an effective pet plan. This type of insurance can be useful in case of emergencies, but several policies can aid you with legal issues, too. As such, think about the legal fees that come from a lawsuit you got in because your dog bit someone. A policy might cover some of those costs, too.

Anyway, the benefits depend on the provider for your per plan, and it may or may not feature reimbursements for trip cancellation, kennel boarding costs, or rewards in case you lose your dog. With all these aspects in mind, we can say for sure that vet check-ups represent the costliest event in a dog’s life. A top-notch pet policy can aid you in covering those costs and offer you assurances that someone’s got you covered. So, if you are aware that you will most likely go into financial distress in case of an emergency, it is best to take into account enrolling for pet insurance seriously. welcomes thoughtful comments and the varied opinions of our readers. We are in no way obligated to post or allow comments that our moderators deem inappropriate. We reserve the right to delete comments we perceive as profane, vulgar, threatening, offensive, racially-biased, homophobic, slanderous, hateful or just plain rude. Commenters may not attack or insult other commenters, readers or writers. Commenters who persist in posting inappropriate comments will be banned from commenting on