Will the price of restoring the health of your precious dog demand love?
Is not that a concern we all face, given the rising cost of veterinary care plus the likelihood of an unexpected illness or accident? Your friend Boomer can lick the antifreeze, run into the road or be attacked by a Lyme tick, and all your savings can evaporate or something worse.
You may have thought about pet insurance, but did not know where to start. Some basic guidelines will help you compare different plans to get the best dog insurance for you and the Boomer.
TIP # 1: KNOW WHAT YOU WANT INSURANCE FOR YOUR DOG
The best dog insurance will provide medical assistance to your dog, protecting your ability to pay a bill. Although no pet insurance policy covers 100% of a veterinarian’s costs, the compensation it provides can be valuable.
Before beginning your investigation, write down specific information about your dog. The race, age, current health status, the date of the last visit to the veterinarian, the level of activity and any genetic or repetitive disease are important when looking for dog insurance.
It is also useful to know what you are currently spending on routine veterinary care, medications and unexpected visits to the veterinarian. Summarize the veterinarian’s expenses for the year so that you can compare this amount with the cost of insuring a dog.
TIP number 2: FIND PEOPLE WHO KNOW THE BEST INSURANCE DOGS
Talk to at least two veterinarians, maybe more. Ask them about their pet insurance experience. Most plans will reimburse you; they will not pay the vet. But find out if your local veterinarians consider the best insurance for dogs.
You can also contact the multidisciplinary veterinary clinic and the emergency department. These specialists can provide estimates for large procedures that you may not have found. The bäst hundförsäkring is designed to help you pay for such events.
Other sources of information about your dog’s insurance are other dog owners, your dog’s breeder and even the local canine club. You can find someone with a personal dog insurance experience that can give you a good idea of what to expect.
TIP 3: UNDERSTANDING THE OPTIONS OF THE DOG INSURANCE PLAN
There are many types of insurance plans for dogs. Some cover accidents and emergencies, while others will reimburse you for regular veterinary care. Medications can be included in the basic plan or offered for an additional fee.
Look for a pet insurance plan that reimburses a percentage of the total veterinary bill. Some plans only cover “regular and ordinary” rates, which are the average charged by the insurance company. This is often much less than what the vet pays for.
TIP 4: EVEN THE BEST INSURANCE DOGS HAVE LIMITATIONS AND EXCLUSIONS
Each pet insurance plan has deductibles, surcharges and policy limits. The best insurance for dogs will be deductible and annual restrictions, so if your dog is sick more than once a year, these restrictions will not apply every time you go to a veterinarian. You can choose the percentage of surcharge that is best for you.
The two most important factors in dog insurance are pre-existing diseases and exemptions for each breed. If your dog has recently been treated for something, most pet insurance plans do not pay for treatment with a diagnosis for a specific period of time.
Unfortunately, some dog breeds have genetic or hereditary health problems that may require more veterinary attention than other breeds. Your insurance plan of first choice can exclude your dog if it is one of these breeds. There may also be exceptions for older dogs or those who have chronic illnesses (for example, allergies). Be sure to look closely at all the exceptions.
TIP # 5: DECIDE WHAT IS THE BEST FOR YOU A DOG INSURANCE PLAN
Choosing the best insurance plan for dogs can be a difficult decision. Balance your dog’s health needs with options and total cost per year. You may be more willing to pay out-of-pocket for scheduled maintenance than to pay a higher premium each month. Or maybe you want the insurance to know that pet insurance will help pay for all of your dog’s care.
You may decide that there is not a better dog insurance policy for you. If you have enough money to cover the worst case of an illness or injury, this may be the right option for you.
Regardless of how you choose, you will know that you have done everything possible to ensure the health of your best friend. And you will have peace of mind, knowing that you will never be forced to appreciate your affection.