Welcome back to the Doggy Brace blog! You may be sitting here questioning why you need dog health insurance and if it is worth it for you and your furry friend. While puppies seem agile and unbreakable as your best friend ages they may require surgery that can cost nearly $2,000 or more. Without insurance for your dog you will need to pay out of pocket. However, depending on your insurance plan it can cover more than half the cost.
Injuries and illnesses can cause you to lose part of your savings with cancer treatments costing nearly $5,000 and ACL injuries costing almost $3,000. Other injuries and illnesses may cost more or less than these estimates but having dog insurance can help cover some of the medical expenses for you. Many times these medical expenses creep up on you without any warning because we never expect our dogs to get sick or injured.
Over the past few years dog health insurance has gained popularity, especially being included in employee benefits. Depending on the company you work for people are now able to choose to have dog insurance through their company employee benefits. However, there are differences between your insurance and your pet insurance. One of the main distinctions between the two is that with pet insurance you have to pay the vet bill and then the insurance company will reimburse you once the bills have been submitted.
Different insurance companies have different premiums. You can choose a plan that works best for you and your furry friend but take into consideration depending on the breed of your dog your cost of insurance can be affected by this. If you own a purebred it can cost more due to hereditary conditions that may occur down the line. When you are choosing a plan for your dog many allow coverage for accidents, illnesses, and injuries from vehicles, cancer, or arthritis. Be sure to ask the insurance companies you are looking at if they also cover routine exams and vaccinations.
Why You Need Dog Health Insurance
In the end, having dog health insurance can help save your furry friends life. There are many wrong impressions on how much pet insurance can cost you; however, you will most likely spend less than $100 per month. By considering pet insurance you are able to not have to worry about deciding between your bank account and your loving furry friend.
Many people go the extra mile for their dogs – buying dog ice cream and peanut butter – so why not consider insurance? If you feel as though you may need to pay for expensive medical care for your dog and aren’t sure about paying out of pocket then it is smart to do your research for dog health insurance. Having dog insurance can help give you peace of mind.
As you consider whether or not pet insurance is worth it for you remember that accidents do happen – more often than you may think! We have all seen our dogs jump up and down off of the bed or the couch, chasing a bird around the yard, or just running rampant through the house hallways. In all of these instances your dog can easily tear their cruciate ligaments requiring surgery or a knee brace. Depending on the severity of the injury it can lead to an expensive bill.
With dog health insurance you can be reimbursed nearly 90% depending on the plan you have. Take into consideration that pet insurance premiums will be higher the older your dog is once you purchase insurance. It is smart to purchase dog insurance when your furry friend is a puppy to keep premiums down.
As your dog ages be sure to watch for any symptoms that they may express regarding a torn cruciate ligament. If you see that your dog may have an issue regarding their knees be sure to take them to the vet for a checkup. It could be an easy sprain or something more, so it is important to be sure you double check for your dog’s safety. Remember that our furry friends can’t speak to us, so we must be observant and watch them!
If you’re worried about your dog’s health and physical condition, consider preventative care options, such as a dog ACL Brace. For more information on how they work, check out our informational page!