We all know that our four-legged friends are not just pets, but that he or she are beloved, cherished family members. They join in when we feel like cheering, bring us back from the brink of tears and possess uncanny abilities to tame our daily stress.
When choosing foods for our dog we scrutinise labels in selecting healthy canine choices, scour the pet shop for the right bed and treat him or her to oodles of toys. Yet, the American Pet Products Association’s Pet Owners Survey shows that only 4% of dog owners carry dog insurance policies. Sadly, as a nation of dog owners who are in love with our pets, we are very slow to embrace the concept of dog insurance.
As dog owners we are all aware that our canine companions get sick and hurt just as often as humans, and these conditions are apt to occur more frequently as ‘doggy’ ages. There is also one emotion that we never want to experience and that is the fear of not being financially capable of taking care of our dog when they are ill or injured.
Here are five important reasons why you need dog insurance for your pet:
Gives Peace of Mind
Like any other kind of insurance, dog insurance gives owner’s peace of mind by making them prepared for any unfortunate event be it sickness or accident which may befall our dogs.
With dog insurance you can choose treatments for your ailing or injured pet based on the best medical advice available and not restricted by family finances. Dog insurance policies reimburse up to 80% of costs after deductibles.
You can pick your Veterinarian
Dog insurance policies allow you to obtain care from the veterinarian of your choosing, unlike human health insurance policies where you are required to use a specific health care provider.
Reimbursement of qualified expenses is simple you just provide the veterinary bill to the dog insurance company.
Easier to Budget Dog Care Costs
With dog insurance you can refrain from using your family’s emergency funds when your dog is unwell, saving you thousands of dollars in unexpected bills.
Dog insurance policies can be paid monthly, quarterly or annually and on signing up, you decide which payment plan works for you. This means you don’t have to pay your fees in one go, you can spread payments out to suit your budget.
As well as injuries, dog insurance covers various illnesses such as cancer and diabetes, the American Kennel Club have been insuring dogs since 2003 and are one of the most reputable providers in the States.
Covers your dog’s hereditary condition
Within their lifetime many dogs suffer from serious health problems and congenital conditions, some are inherited or caused by severe inbreeding. Given this it is highly recommended that dog owners should avail of dog insurance as soon as their loved ones come into their lives.
Many dog insurance companies may include age limits and restrictions which may mean you end up paying extra fees.
Can Cover Third-Party Liabilities
Do you have a hyperactive hound that runs around destroying neighbour’s fences? Or a dog who scowls at strangers? Many dog insurance policies cover third party liabilities which covers compensation and costs arising from accidental injury or damage caused by your dog.