Insuring the family pet is something that many people choose to do. There are those who feel as though they can save some money by not insuring their pets, but it’s actually not very effective. Much like health care coverage for a human being, you have to pay premiums in order to insure your pet. That can feel like spending money that you should actually be saving; however, if you have to take your puppy to the animal hospital, you will be happy you have insurance. It will dramatically reduce the cost of your puppy’s healthcare coverage. Here is how it works.
How Insurance Works
If you want to insure your family pet, you should understand the way it works. You pay a premium to an insurer every month or every few months; the timing depends on which specific policy you buy. The insurance policy will cover certain kinds of procedures. When you go to the veterinarian, you will pay out of your own pocket. Then, you will file a claim with your pet insurance provider. That provider will reimburse you the agreed-upon amount (stipulated in your policy contract). Typically, this about 75-80% of your total costs.
Considering how expensive expert pet care can be, you stand to save a lot of money by purchasing an insurance policy for your pet. The amount you pay for your monthly premiums will certainly cost a little bit of money, and it may even require some additional budgeting on your part, but you won’t have to deal with any massive expenses coming out of nowhere.
Insuring a Puppy
When your dog is still young, the animal is probably going to avoid most illnesses and injuries. Puppies are full of energy, and their immune systems haven’t been compromised by old age. However, they are susceptible to certain kinds of harm that threaten all dogs. They’re susceptible to heart disease, worms, and other common canine issues. That’s why it’s so important to get your dog vaccinated as early as possible. That vaccination will be much less costly if you have insurance for your puppy. There are several procedures and vaccinations that a puppy will need within their first year or two, none of which you’d want to miss out on just because of a financial hindrance. You should have your dog spayed or neutered as well. Much of these common procedures will be more affordable if you don’t have to cover 100% of the cost on your own.
There are typically three different insurance policy options for pets. You can get accident coverage, illness coverage, or total coverage. Total coverage will cover every kind of procedure, including vaccinations and routine check-ups. Since it covers so many different procedures, total coverage is the most expensive kind of pet insurance policy. It’s great for anyone who intends to take his or her puppy to the vet often. It’s also great for anyone with a purebred dog. Purebred dogs tend to have more health issues than mixed-breed dogs.
If you want the most affordable coverage, you should look into accident coverage. Your puppy is more likely to have an accident than to experience an illness. Puppies have strong immune systems that are propped up by youth, and they also have excessive amounts of energy. That energy can lead to them to get injured while they’re playing. That’s especially true if your dog spends a lot of time playing outside. Stinging insects are a constant danger; while they’re usually not life-threatening, they can be incredibly uncomfortable.
Having pet insurance for your dog will go a long way towards not only protecting your furry friend, but also providing you with some peace of mind.