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Human's Best Friends - Getting The Perfect Insurance For your Dog

We always want what’s best for our families, and in many cases, our dogs are a part of the family.

With the rising cost of pet health care, dog owners are now opting for dog health insurance plans that help defray these costs. Depending upon your pet’s needs, providing your dog with medical insurance doesn’t have to be expensive, either.

Basics on Pet Health Care Coverage

Our pets are often unpredictable, and as a result, they can get hurt, or even die from an accident or injury. Covering your dog with a medical insurance policy will cover those all-too-often medical expenses that surprise us when we least expect it. With a base policy, your beloved pet is covered on treatments for these surprises, often including:

foreign object ingestion
car accidents
burns and lacerations
broken bones
accidental death

These base policies can cost a little as $100 per year. Additionally, a more comprehensive insurance policy for your dog is available for just a few dollars more, which can cover a variety of other medical care procedures such as surgery or congenital disorders, which are not covered under the base plans, as well as third-party liability coverage in some cases.

Cost of Insurance

As with human medical insurance policies, a variety of issues can affect the cost of insurance for your pet.

Breed of Dog

Breed of Dog is more important as there are a number of factors that affect the cost of dog health insurance. Pedigrees are more prone to illness than mixed breeds, so will therefore require a higher premium to insure. Rare and imported breeds, like a Papillion, will also cost more to insure. Certain breeds like the St. Bernard or Labrador are more prone to sickness as they get older, so their premiums are much higher as well.

Also, regardless whether it’s a case of breeding or training, some breeds of dog are often considered dangerous or violent. If you own an Akita, a Chow Chow, a Doberman, Pit Bull or Rottweiler, your costs of insuring these dogs can go up significantly, particularly if you want a policy that offers third party liability.

The Age of Your Pet

The Age of Your Pet As pets get older, they become more susceptible to illness and health care problems. The older your pet is, the higher the premiums on medical insurance. In some cases, if your pet is too old, you may not be able to insure it. Also, while most insurance companies will not drop your pet’s coverage, they might tack on a surcharge as your dog gets older.

Your Pet’s Medical History

Your Pet’s Medical History Most insurance companies do not require a medical history on your pet for dog insurance. If, however, your pet has suffered from an accident recently, has some kind of congenital disorder or contracted a disease, you may not get coverage for the accident or disorder.

Number of Dogs

Number of Dogs In this case, the more pets you have, the better for your budget. Insurance companies offer multi-pet plans, which give you the same benefits for a single pet at a reduced rate per additional pet.

Continue to : Sources to Buy Dog Medical Insurance

What Does A Typical Pet Insurance Plan Cover?
What Are The Factors That Affect Pet Insurance Quotes?
What Are Pet Insurance Quotes And Where Can You Find Them?
How To Get Pet Insurance Online
Cat Insurance - Insuring Those Furry Friends of Yours

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