Cheap Dog Insurance - Pros and Cons

Cheap Dog Insurance - Pros and Cons

While dog health insurance is not as common as human health insurance, it is certainly gaining popularity due to the increasing costs of veterinarian care and the medical procedures that are now available to in the animal health industry.

So what are the pros of buying dog health insurance?

1. Dog health insurance can save you a lot of money if your dog needs surgery (sometimes due to an accident) or treatment for a serious disease. For instance:

Cost of surgery due to injury ($1000 to $2000)

Cancer treatment ($5000)

MRI's and CAT Scans (approximately $1000)

Hospitalization (Prices vary widely but hospitalization is not cheap)

These are unexpected expenses that you may have to face if you want to keep your dog alive. Many pet parents very often end up choosing between a very expensive treatment or euthanasia and often are forced to put their beloved companions to sleep because they can not afford the cost of the treatments. If your dog is covered by health insurance, you could avoid hard decisions like these.

2. By spending anywhere from $10 to $50 a month in premiums a large amount of these expenses will be covered by dog health insurance.

3. Veterinary care keeps getting more expensive. A good policy will help you cover some of the costs.

4. Most policies will cover recovery costs if your pet gets lost.

What are the cons of dog health insurance?

1. Very often pre-existing conditions are not covered. The best thing is to get insurance when your dog is young.

2. Premiums usually increase as your dog gets old. In fact some insurers will drop you when you dog gets to a certain age while others will insure your dog for life, so always read the fine print.

3. Policies may have spending limits. Some policies will have limits per year, others will set limits per incident.

Since not all companies offer the same value, it is advisable to do a little research before jumping into a plan.

Some companies will give you a 30 money back guarantee as long as you don't put any claims in the 30 day period.

On the long run, dog insurance will give you peace of mind. And remember: you get what you pay for. Cheap dog insurance may end up being expensive. Do not jump into just any policy because it is cheap. Do you homework and get insurance that you can afford, and will cover your pet care needs.