Have you ever considered getting pet insurance for your dog? Yes, it’s a real thing! Pet insurance works just like your health insurance does. It’s good to have because while your dog is healthy right now, you’ll have peace of mind knowing they will be covered if anything does happen to them.
If your dog ever does get hurt and needs vet care, pet insurance has you covered. Did you know one of the most common dog leg injuries, a torn ACL, can only be repaired with a costly surgery? There are several different procedures to fix a torn ACL, and they can cost upwards of $2,000.
Many insurance companies offer pet insurance to help reduce the cost of veterinarian bills. Pet insurance is paid on a monthly schedule and the coverage is dictated by what plan you choose and how much you pay each month.
How Much Does Pet Insurance Cost?
The cost of your insurance plans varies between providers and is based on your pet, like how old they are, what’s their medical history, their gender, if they’re a cat or a dog, etc.
To break it down, one provider would charge $63.94 per month for an 11-year-old domestic longhaired female cat in Tucson, Arizona. The plan would have a 50% reimbursement fee and a $1000 annual deductible.
The same company would charge $88.78 per month to cover a 2-year-old English Bulldog. The plan would have a 70% reimbursement fee. The annual deductible would be $500.
To compare, a second company has a rate of $48.02 per month with a maximum annual payout of $15,000, a $750 annual deductible, and 70% reimbursement for the same 11-year-old cat.
For the 2-year-old dog, the plan would be one for $43.65 per month with a maximum annual payout of $5,000 and an 80% reimbursement rate.
Why Do I Need Pet Insurance
If your pet is strictly indoors and monitored at all times, you may not. However, unexpected health problems are always a concern.
Think of it this way: if you need it, you have it and it can save you thousands of dollars. Embrace Pet Insurance has real testimonials on their site. One Embrace customer’s Labrador needed pain management with alternative therapies. The vet bill was $4,580 and Embrace paid $2,839 of it.
While this is an extreme example, it shows how high vet bills can get.
When it comes to ACL injuries, Embrace noted the average cost was $3,000, most of which can be reimbursed through their insurance plans.
When Should I Get Pet Insurance?
Pet insurance may not be necessary if your pet is young. As they get older, they become more prone to medical issues, such as a torn ACL.
As your dog ages, be sure to watch for any symptoms that they may express regarding a torn ACL. Always take your dog to the vet if you notice issues with their legs. It could be an easy sprain or something more, so it is important to be sure you ddouble-checkfor your dog’s safety. Remember that your furry friends can’t speak to you, so you must be observant and watch them!
If it is a torn ACL, it could be too late to apply for insurance to cover that particular medical bill. Be proactive about your pet’s health and apply as soon as you feel necessary, especially if your dog’s breed is prone to hip or leg problems.
Pet Insurance Is Preventive Care For You
Just like how you would do anything to keep your dog safe and healthy (like using a dog ACL brace to help stabilize and support their rear legs), you should take the same steps to keep your finances safe and healthy if your dog ever gets hurt.
There are a variety of options you can choose from to ensure you are getting the best coverage for your dog.
Plan costs vary depending on the provider, species, coverage, age of your pet, their breed and more. Typically, cats cost less than dogs and females are less expensive than males.
If you want to go one step further, look into dog braces for their hind legs. Braces offer a one-of-a-kind support system that can help prevent leg injuries by comfortably restricting movement. Check out Doggy Brace for more information.