Dog Insurance Tips

Read these 13 Dog Insurance Tips tips to make your life smarter, better, faster and wiser. Each tip is approved by our Editors and created by expert writers so great we call them Gurus. LifeTips is the place to go when you need to know about Pet Insurance tips and hundreds of other topics.

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Researching Pet Medicial Insurance

A major benefit of dog medical insurance is that it helps cover expenses for caring for a person’s beloved pet. No one wants to have to weigh the financial burden versus the health of his or her pet when a serious medical condition arises. Purchasing dog insurance is very affordable and offers pet owners a since of security. A great time to ask a dog health question is when establishing dog insurance. The representative assisting should be able to advice if certain medical conditions are covered with the policy. Not all insurance policies are alike.

It is imperative that pet owners research to find the best policy that fits their needs. Some policies offer 100% reimbursement on covered charges whereas others may only cover up to 80%. That is a significant difference. Another important factor when deciding on the type of dog medical insurance to purchase is whether the policy has a large deductible that has to be met before payments begins. Remember when comparing policies, a person needs to be able to get the answers to the dog health question or concern they have. It would be an unfortunate situation for a person to believe a certain condition is covered only to learn later on that it is not.


Dog Insurance Works

Owning a dog can be expensive but dog insurance can really help offset veterinarian costs when a dog health problem happens. Most veterinarians recommended dog insurance these days because the rising cost of health care affects not only people but pets, as well. Most dog insurance will cover not only routine checkups and vaccinations with a co-payment, but will really pay for itself in the case of severe injuries or dog health problems. Treatments for diseases can sometimes require frequent trips to the vet and costly medications. Even routine surgeries like spaying and neutering are often covered. Before you pick an dog insurance plan make sure that your vet accepts he plan you are interested in. Most vet's offices will accept a variety of plans and they can even help you decide which plan is best for you and your dog. When you adopt your dog and take him in for his first visit it is a good time to talk to the prospective vet about which plans they carry and recommend.

Can I purchase accident insurance for my dog?

Accidents Can Happen

Dogs are curious creatures and like to explore, play, and get into trouble. Unfortunately, that means that millions of dogs suffer accidents each year making health care availability challenging at times. What's worse, when a pet is in an accident, the animal can't talk to you and tell you what is wrong.

Because accidents are so common, many pet owners are discovering the benefits of dog accident insurance. Many pet insurance companies will issue policies strictly for dog accidents, or you can combine them with policies that cover illness and disease, too. Accidents and dogs seem to go together, and it makes good sense to prevent them as much as you can.

I think my dog broke a bone, what should I do?

Broken Bones in Dogs

One extremely common accident in dogs is broken bones. Canine bone breaks can happen when a dog falls, has a fight, or gets into a serious accident. Broken bones can be very difficult to spot, and if they are internal bones, they can puncture organs or cause many other difficulties. Often the dog will not walk on a broken leg, and it may swell.

If you know the bone is broken, and emergency splint can help stabilize the bone. Use any type of straight, sturdy device as a splint, just be sure to tie it or tape it gently, so you don't move the broken bone; just stabilize it. Take the dog to the vet immediately for treatment, and don't try to reset the bone yourself. Good dog accident insurance should cover any emergency treatment for broken bones.

Why should I walk my dog regularly?

Walk Your Way to Good Health

Is your dog a little too round in the middle? Do you spend too much time on the couch, rather than out and about? Well, a good dog health care routine can help both you and your dog shed some pounds and live healthier lives. Just like humans, overweight dogs have more health concerns and do not live as long. Dogs love exercise, and they love being with their human companions, so take your dog for a walk, take off some pounds, and have fun at the same time. Make sure you walk at about the same time each day. Dog insurance policies often ask about the health of your dog, and an overweight dog could mean a higher insurance premium, too.


Finding The Best Pet Insurance Policy

Selecting a pet insurance policy with comprehensive coverage at a price you can afford may seem like an impossible task because there are so many companies to choose from. As you research the available options, you will need to decide how much coverage you want for your pet. The type and amount of coverage you choose will depend on your pet's breed, age, and health. If you have a pet health question or concerns regarding behavior or viral disease, review the company's procedures for special care, hospitalization, and surgery. Your goal in obtaining a pet insurance policy is to find the most benefits for your pet, and the best rates for you.

You should think about purchasing a pet insurance policy as soon as possible to cover vaccinations, teeth cleanings, and wellness care. Policies should cover yearly examinations to detect illness and disease, as well as medical treatments and outpatient care. Before making a decision, interview several agencies to determine which one understands your pet health question. The pet insurance policy that you choose should cover special care such as injections, emergency visits to the veterinarian, and appointments with dermatologists or ophthalmologists.

Besides a plan that covers injuries and accidents, your pet insurance policy should also provide coverage for common illnesses many pets suffer from as they get older. If you are concerned about cancer, heart disease, or arthritis, visit your veterinarian. They can answer any pet health question you have, and they often have reliable information you can use when you are ready to buy a pet insurance policy.


Dog Health Insurance Covers Your Pet in Difficult Times

According to the Humane Society of the United States, dog owners spend $225 on routine care (vaccines and well visits) annually. This does not include costs you will incur each year for things you can’t plan: accidents and illnesses.

It doesn’t matter what breed or age your pet is, he or she is not immune from becoming sick or injured. A quick dash out the door to chase a bird can lead to disaster. A life threatening illness can be picked up during a daily walk around the neighborhood.

Dog health insurance gives you peace of mind that if an unexpected illness or injury happens, you’ll be able to afford the expense of veterinary treatment. The value of insurance is priceless when something unthinkable happens.

No one wants to watch a furry friend suffer, or be faced with a decision to put an animal down because of finances. Protect your canine companion. Insurance is affordable for anyone’s budget and assures you that you’ll be able to seek the best medical care possible at any given moment.

Why do I need puppy insurance?

Puppies Need Insurance, Too!

Bringing home a new puppy is a joy for the whole family. Puppies are full of energy, inquisitiveness, and playfulness. However, that doesn't mean puppies don't need health care. In fact, puppies need vaccinations, worming treatments, spaying or neutering, and they may have other health care issues. Most dog pet insurance companies will insure puppies as early as the puppy turns eight-weeks-old and some include extra benefits such as spaying, neutering, and prescriptions. Some even include accidental death benefits. Planning for health care needs early helps puppies grow to be healthy and happy adult dogs.

Why do trained dogs seem to be healthier?

Training Can Lead to Better Health in Dogs

While most dog medical insurance or pet health insurance does not cover the cost of training or behavioral conditioning, a well trained dog can be a healthier dog. Training is mostly a combination of patience and rewarding the dog, but if you're not up to doing it yourself, there are training classes in just about every town and city in the country. Train your dog to ensure a long, happy life.

Why should I take my dog to the vet immediately if he seems ill?

Wait and See Can Be Dangerous

Some people adopt a "wait and see" mentality when it comes to illness in their dogs. If the dog seems not to be feeling well, they may wait to take the dog in for a check-up, and in many cases, that can make the health problem worse. If you have any kind of dog health question, call your vet immediately. If you've purchased dog medical insurance for your pet, you won't need to worry about taking your dog to the vet if he shows signs of illness. In fact, dog medical insurance encourages early intervention so fewer problems develop. If your dog does not seem quite right, take him to the vet as soon as possible, no matter what.

What should I do if I think my dog ate something poisonous?

Dog Poisons in the Home

Injesting poison is another common accident that befalls many dogs during their life, and a common reason for pet owners to obtain dog insurance policies. Dogs are prone to seeking out plants or chemicals that are bad for them. Many people think of poisonous plants or even houseplants when they think of toxic items dogs can swallow, but there are also many items around the home, such as aspirin, hair color, nail polish and remover, along with chemicals and drugs that can harm or kill a dog. If you think your dog has ingested poison, call your vet right away, and see if you can find the item they ate. Make sure to keep these items locked away where inquisitive dogs can't find them, too.

Can dogs get allergies too?

Allergies in Dogs

Did you know dogs can have allergies, too? Dogs suffer with allergies including everything from pollen to chemicals in their food, and it's a bigger dog health problem than most people think. Often, the allergy's symptoms show up as a skin disease, and allergies can be inherited. Dogs with allergies will often bite their feet or scratch at their faces.

Dog health insurance can be a blessing if your dog begins to have allergy problems. Treatment can include removing the allergy source, if possible, or year-round treatments like shots to help control the allergy. Allergies are often difficult to diagnose and pinpoint, so if you suspect your dog has an allergy, you should take him for a visit to the vet right away.

What can I do about fleas in our home and on our dogs?

Fleas and Prescription Flea Medications

One of the most persistent and pesky dog health issues is fleas. They simply seem to linger on forever, causing your dog and the entire household itchy misery. Fleas can create other problems, too, like skin irritation, and even the spread of tapeworms. Fleas are difficult to control, but there are many medications available, from shampoos to flea collars, and oral medications that help control fleas on the dog and in the home. Some are available over the counter, but the strongest medications are prescribed by your vet. Many dog health insurance policies cover flea and tick medications and prescriptions, so be sure to check with your company when you sign up for dog health insurance.

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Tammi Reynolds