Should You Obtain Pet Insurance for Your Dog?

Obtaining pet insurance for a [i4w_db__DogBreed] is something every owner needs to think about carefully before making a decision as there are many considerations. You may remember pet insurance being discussed in [i4w_db__DogBreed]s Made Easy, and recall that insurance cover has both benefits and drawbacks depending on the terms of each of the many different policies available. Ultimately, it is up to you to decide if it is the right choice for you and [i4w_ud_DogName].

So how do you go about making your decision? Well, it helps to weigh the pros and cons of pet insurance to determine if not having this coverage is a risk you think is worth taking. The following are brief examples of common pros and cons of pet insurance that you will want to take into account.

Pros

  • Pet insurance can provide assistance for a multitude of health problems throughout your dog’s life. [i4w_db__DogBreed]s are generally a healthy breed but they are prone to certain health impediments and can become sick, break a bone, or suffer other injuries. There is no guarantee on your dog’s health, and chances are at some point in its life it will require medical assistance from a vet.
  • Pet insurance can provide assistance for expensive medication, treatment, and surgery. Veterinary medicine continues to improve, which means that illnesses that were once untreatable, such as cancer, can now often be successfully treated. Unfortunately, many of these treatments are costly, and without the help of insurance it may be impossible for some people to afford.
  • Pet insurance policies usually offer other benefits such as compensation in the event you have to cancel a holiday as a result of your pet’s illness, or your pet has to go into kennels because you are seriously ill, and financial assistance to help you find your dog if it becomes lost.

Cons

  • Pet insurance policies have lots of ‘smallprint’ with details of exclusions. Although it’s tiresome, and can be confusing, you really must read all of the terms and conditions carefully to make sure you understand what is and is not covered. While policies may vary, most do not, for example, typically cover: dental costs that are not accident related, special dietary needs, pre-existing medical conditions, spay/neutering, vaccinations, preventative treatments, and euthanasia.
  • Pet insurance policies often do not take effect immediately. Often, companies will not provide coverage until a month after a client has signed up. If anything happens to your dog within this month, not only will you not receive help with the expenses, but the medical condition becomes pre-existing and is never covered.
  • Pet insurance is a big financial commitment. You will be required to pay a monthly premium and this will increase every year as your dog gets older. In addition, you will still be required to pay an excess in respect of each claim, so you will typically still have to fork out in the region of $100 for each claim. In short, you can only take out pet insurance if you are confident that you can meet the monthly payments.

So, when it comes to pet insurance, there is no right or wrong answer. You have to do your homework and do what you think is right for you and [i4w_ud_DogName].

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