Insuring Your Dog

All told, only 5% of American pet owners have pet insurance, with the average life time cost totaling between $2,000 to $7,000 for the life of your pet. Here are a few points to consider before purchasing pet insurance.

Consider your finances before jumping in. Take a moment to consider your approach to dog care costs. If you would drop everything and spend your last penny to save your dog, health insurance is a good consideration. If on the other hand, you have the money on hand to take care of costly pet health issues, you may consider paying on an as needed basis versus a monthly insurance payment.

Before purchasing pet insurance, talk to you vet. Ask if he/she accepts insurance and which companies seem to be the most reputable.

Premiums vary by company, type of dog and lifestyle (outdoor dogs vs. indoor dogs). Premiums are generally less expensive for puppies and younger, healthier adult dogs than for those with pre-existing conditions or dogs advanced in age. Some companies will not cover animals older than 8 years unless they were covered prior to that age.

Many companies offer a variety of policies. Check and compare what each policy covers and the associated costs such as premiums, co-pays and deductibles before enrolling. Also, look for any fine print which may exclude your pet for any previous illness or condition.

Investigate if the insurance has a list of pre-approved veterinarians/hospitals to which you may take your dog or are you free to visit any licensed practitioner you choose?

What is the payment policy? Does the insurance require the bill be paid in full first and then provide reimbursement? If so, what methods are available to file a claim and how long after filing should you receive a check ?

Make certain the pet insurance company is registered with your state department.

Inquire if the insurance company has a cap on the amount paid on an annual or per incident basis. Some insurance companies will also place a limit on the amount paid over the course of your pet’s life. Do they offer discounts for multiple pets?

Decide if you want a full service plan which covers routine care or a plan which covers emergencies and major procedures.

If you can’t afford pet insurance, consider contacting a humane organization for financial aid for some of your larger dog related bills or look for a program which offers discounts on pet care. Consult your vet or pet vendor for programs which may offer additional cost savings.

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