There are pros and cons to dog health insurance. Pre-existing conditions are often excluded, and some plans may not cover them at all. Make sure to ask your insurer about this before signing on the dotted line. Whether your dog is eligible for health insurance is a personal decision. Depending on the policy, it can be a wise decision to consider this option. You’ll want to protect your investment by purchasing a policy that includes coverage for pre-existing conditions.
Pet health insurance is generally inexpensive and easy to obtain. Some policies offer no-commitment quotes that will cost less than your Netflix subscription. Many pet health insurance policies allow you to choose the amount of reimbursement, deductible, annual maximum, or incident maximum. Typically, deductibles range from $0 to $1,000. There are different reimbursement options available, ranging from 50 to 100%. Higher incident maximums will cost substantially more.
If you’re not a huge dog owner, consider a pet health insurance policy for your dog. A simple urinary tract infection can be treated with antibiotics. But if your dog develops a mast cell tumor, it may require invasive surgery. Surgery can cost $500 to $1,000, and can even involve chemotherapy and radiation. If you’re a pet owner, consider a pet health insurance plan if your dog has a preexisting condition.
Many dog health insurance plans offer different levels of coverage. Some pet insurance companies will pay a portion of a pet’s veterinary bills, while others will reimburse the rest. Your pet insurance company will reimburse you for procedures that you’ve already paid for – but you must remember that your dog’s health insurance coverage doesn’t cover preventative care or routine checkups. So, is health insurance for dogs worth it?