Dog Insurance
Dog insurance is a variety of pet insurance. Most of the things talked about in this section apply to other types of pet insurance. To view the main pet insurance section at InsuranceNook.com, click here.
One of the things that many people are concerned about with their dogs is that their animal will bite other people. Dog insurance can cover this kind of liability for you, but in many cases this coverage is already included in your homeowners or renters insurance. Of course, dog bites aren't the only things that dog insurance can help you out with.
Just like humans, dogs get sick or become victims of accidents. Dog owners know that veterinarian fees can be costly, and visits to the vet can be frequent. Dog insurance helps protect you financially, so you can receive veterinary care for your friend when it needs it.
Dog insurance works just like human health insurance. You pay a premium (or a recurring fee) to an insurance company, and your insurance company agrees to pay for certain medical bills that occur. Generally you must pay a deductible or co-pay (a portion of the medical bill) every time you take your dog into the vet, but these can be adjusted based on your premium and also your dog's age, level of general health, and your preferred level of care. As animals age, your dog insurance premium will generally rise.
One of the best things you can do to save money is to compare dog insurance companies. You can get free quotes and compare prices on insurance plans that fit your needs here at InsuranceNook.com!
Why Dog Insurance Is Good For You (And For Your Dog!)
If you own a dog you love, you can protect your dog and your own finances by purchasing dog insurance. Dog insurance makes sure that your dog can get the proper veterinary care it needs without you having to worry about breaking the bank. This way you can take your dog to the vet any time it needs care. Additionally, dog insurance can help you defray the costs of surgeries and other emergency medical procedures that your dog may need, whether due to accident or sickness. The peace of mind that comes from knowing your dog can get the veterinary care it needs whenever it needs it can be priceless.
Most Common Types of Dog Insurance Plans
There are a variety of dog insurance plans, although there are three major categories in which most plans commonly fall:
Basic Dog Insurance
The least expensive dog insurance, this coverage will help pay for injuries, illnesses, and poisonings. Generally these types of policies provide low reimbursements and may include a maximum (cap) that your insurance company can pay per illness or accident.
Comprehensive Dog Insurance
In addition to the items covered by basic dog insurance plans, comprehensive dog insurance protects you from having to pay full price for office visits, prescriptions, x-rays, and other fees. Reimbursements per injury or illness are usually higher than those in basic coverage.
Dog Well Care Protection
This type of dog insurance coverage includes physical exams, vaccinations, and other preventative care.
5 Common Dog Insurance Questions & Answers
Q. Does homeowners insurance ever cover dogs?
A. Usually in two cases. 1) If your dog injures someone, you may be protected by homeowners insurance under personal liability. This means your homeowners insurance will pay for the injury caused by your dog. 2) If your dog's belongings are damaged or destroyed, they fall under the category of your own belongings which are covered by homeowners insurance.
Q. Is life insurance coverage available for dogs?
A. Yes, and it works the same way as human life insurance. This is usually only used for expensive pure-bred and show dogs.
Q. Will dog insurance cover me if my dog is stolen?
A. Certain dog insurance policies have provisions for theft. Check with your insurer to make sure you have theft insurance as part of your policy if you are worried about your animal being stolen.
Q. What kinds of conditions do dog insurance policies usually cover?
A. Some common conditions covered by many dog insurance plans include the following: Acne, Allergies, Arrhythmia, Asthma, Bite wounds, Bladder infections, Bronchitis, Burns, Cardiac arrest, Colitis, Conjunctivitis, Cushing’s disease, Dehydration, Diabetes, Ear infections, Electric shock, Epilepsy, Foreign body surgery, Fractures, Frostbite, Gastritis, Hepatitis, Hot spots, Hypertension, Kidney transplant, Lacerations, Laryngitis, Leukemia,Lyme disease, Near drowning, Pneumonia, Poisonings, Respiratory infections, Root canals, Sinusitis, Soft tissue trauma, Strokes, Tendon ruptures, Tongue lacerations, Tumors, and Ulcers.
Q. If I have more than one dog, can I cover them under the same plan?
A. In many cases, yes, and at reduced rates.
Conclusion
If you love your dog, then insurance may save you a lot of money and worry if your dog becomes ill or is involved in an accident. Dog insurance protects you financially if medical care for your dog costs more than you had planned, and it can give you the peace of mind that comes with knowing your friend will be able to receive medical treatment any time it needs it.
InsuranceNook offers free dog insurance quotes from several companies at the click of a mouse. Apply for free quotes for your dog insurance today!