A dog is a man’s best friend. I don’t know who made this statement, but this is right. After retirement and living in a rental apartment with my wife wasn’t easy, but then Jack came into my life when I bought it from my friend. He was just a few weeks old when I brought him to my apartment. It’s been 3 years now that I have been in love with Jack. I can wholeheartedly say that he is just my best partner in my sorrows and grief, and he knows exactly my mood.
Besides all the happiness that Jack has brought into my life, I know that he needs special care too. With low income and high veterinarian charges, it was hard for me to manage the expenses. I was looking for a Cheap Pet Insurance for Dogs”, but wasn’t able to find my feet to get the company offering the best value pet insurance for dogs. Even though this was a new idea for me to have pet insurance, as I used to believe that pet insurance was a ripoff, I have now changed my mind completely.
I am writing this post for people who believe that getting pet insurance isn’t a perfect choice. For such people, I must say that getting pet insurance is the most polarizing issue within the pet community. Here are some points that I will cover within this post that will shed light on the given topic in a broader spectrum.
Best value Pet Insurance For Dogs
When I was looking for the best company offering the best value pet insurance for dogs, I came to know that pet owners are spending nearly $24 billion annually on vet bills, as reported by the American Veterinary Medical Association. My dog Jack was experiencing multiple allergies and dysplasia, and for that reason, it was hard for me to meet the financial burden associated with the medical treatment. Luckily, I found the best vet within the town and keep visiting him, but the financial constraint forced me to think about the insurance coverage plan.
What is Best Value Pet Insurance for Dogs?
Having an insurance plan isn’t a new idea, as you might have insurance for your house, car and for yourself if you are a middle-aged person like me. But have you ever thought about having an insurance plan for a pet? Best value pet insurance for dogs is just like a health insurance that you have for yourself and your family, but with an obvious animal focus. Now the question that most people ask here is, that Is Dog Insurance Worth It?
The answer to this question may vary from person to person, as there are several policy options to choose from. Secondly, the price range of every policy depends entirely on the coverage options that you want for your dog. The normal Pet insurance policies cover the routine vet check, ps others only cover the great health risks such as cancer treatments. Moreover, you’ll get the monthly premiums, just like any other insurance plan, and you’ll get the coverage that is available within the package you have selected.
Note: I realize the fact that getting a pet insurance plan is somewhat of a polarizing issue within a community, and for this reason, I am not here pushing the readers to get the cheap pet insurance for dogs, but my main intention is to provide the answer to the commonly asked pet insurance questions. I must say that pet insurance isn’t a choice for everyone, as it is up to you whether to get insurance for your pet or not.
Do you Really Need Pet Insurance for Dogs?
This is the most commonly asked question by pet owners that whether they should go for pet insurance or not. If you are a pet parent like me, then you have 2 options in your hands.
- Your Pet or Dog will always need some Veterinary Care
- It Isn’t Cheap
Pros & Cons of Getting Pet Insurance for Dogs:
As described, there are a lot of advantages to getting cheap pet insurance. However, you must consider the advantages and disadvantages of buying pet insurance. Here is a complete overview of the Pros & Cons of having pet insurance for your dog. Check it out!!
Pros:
Getting the best value pet insurance for dogs from a best pet insurance company is a difficult medical decision, such as undergoing the chemotherapy, because your selected insurance company will be charging you some cost. If you are concerned about your pet and are worried about the financial burden with regard to your vet, then it is recommended that you look for the best pet insurance company with lower premiums and covering major medical events.
The great benefit of getting the best value pet insurance for dogs is that you can hire any certified veterinarian for your pet. Depending upon the plan you choose, the catastrophic events can be covered in full by your selected insurance company, and that is extremely beneficial for your budget.
Cons:
Cost is the biggest negative of getting cheap pet insurance for dogs. Obviously, you are paying the company every month, and your dog is not getting treatment every month. Moreover, just like car insurance and home insurance, the pet insurance policies are always very confusing, as it is very hard to fully grasp the wording of the policy document unless you are an expert.
Not only this, but comparing different pet insurance policies is very confusing and will mislead you. The range of the price is determined by the coverage that you desire within your plan. The other pitfall of getting the insurance coverage is that some companies will ask for the upfront bill payment. It is highly recommended that you pay attention to the words so that you may not easily drop from the policy if your pet develops a chronic condition.
So.. Should You Need Dog Pet Insurance?
The answer to this question will vary for every pet parent. In case you are thinking of getting pet insurance, then you need to talk with your trusted veterinarian. You can also contact the other dog owners in your area to ask about their experience with the pet insurance policy.
Here is a quick checklist to consider while opting for pet insurance:
- Ask them how they are handling the pre-existing condition
- There are some dog breeds restrictions on different policies if they are considered risky. Find out if your dog breed is on the list.
- Some insurance companies are also offering multiple pet discounts
- Sometimes you will be rewarded with different add-ons, such as dental and travel insurance
- The important is that you must find out that how their reimbursement timeline works
Managing the Cost of Pet Insurance:
Veterinary medicines are becoming more advanced because of the technological advancements made in recent years. This means that your veterinarian bills are also accelerating. For a lot of pet owners, the cost of care is simply a headache. Therefore, getting dog pet insurance is the best remedy to cover the bills for treatment, diagnostics, and managing your dog’s illnesses.
You must comprehend the idea that pet insurance isn’t for everyone. If you are thinking about getting one then you must talk with your veterinary doctor at first.
Here is a list of some basic considerations:
- The insurance provider should clearly spell out the details, including the limitations and exclusions, of coverage, such as routine checkups and emergency treatment coverage.
- Make sure whether your pet insurance premium will be increased with your growing pet or in case you make any claim.
- Ask whether the company is offering the add-on options to offer any specific coverage, such as dental or travel insurance, etc.
- Ask them how they are going to deal with the pre-existing condition (diseases or illnesses that you’re pet already has)
- All cost factors, such as deductibles, add-on charges, co-pays, and other fees, must be conveyed and should be clearly explained to you.
- You must be allowed to choose any veterinarian of your choice, who will provide the medical facility to your pet.
- You must keep in mind that pet insurance plans are reimbursement plans – as you pay the bills, and the insurance provider reimburses them. If you are worried about covering the expenses, then you must ask your veterinarian about the payment options that will work for you, like a charm, if you need to make further arrangements.
These are things that I have learned by conducting extensive research online withregard tooo finding the best pet insurance company for my Jack. However, this isn’t just an end. I would like to mention here that You Can’t predict your Dog’s Health, But You Can Simply Protect It by having the best pet insurance company.