Saturday, July 6, 2013

Why You Should Insure Your Dog

By Brian Talley


They lick your hands, wait for you to come back home, join you in your sleep and they are all at times alert to notify you of an upcoming intruder or danger. Dogs are also playful, loyal and enthusiastic but the characteristics of these lively beings may be gone once they are suffering from an injury or an illness. Their limbs might be damaged on their own or they might accidentally swallow something that they should not eat. To fix them up or bring that joyful attitude back, a costly medication or surgeries may be involved. And to help you out on the bills, an insurance policy for dogs is the best thing that you can run into.

Why Get Insurance for your Dog?

Insurance can shoulder a huge portion of your expenses in case that your dog has been hospitalized or went through a surgery. An operation and hospitalization can cost more than a thousand of dollars and this can be a real pain. Wellness care and other health programs are also being covered by some insurance policies aside from just offsetting a percentage of your bills. Inquire on different companies and ask about important details on co-payments and deductibles.

Most insurance companies cover car accidents, poison ingestion and diseases such as skin or ear infections, cancer and vomiting. The above given scenarios are the top reasons why dogs would need some medical services and those can also ruin your monthly budget. Getting insurance policies is just the right thing for these cases. Financial experts are saying that insurance is just another extra expense but the decision of adding this to the budget solely remains to the pet owner. It is a fact that pet insurance is another line item on the budget list but for pet parents who don't want to make a choice between finances and wellness of their baby dog, buying a policy is the best thing to do.

Obtaining a Dog Insurance

The first step is feeding your mind with some background information of sicknesses that may hit your dog. Research if this will be included on the insurance policies. You can collect brochures or search online about different policies and their coverage. The most expensive dogs to ensure are the pure breeds as they are the ones that may have obtained hereditary conditions. Dogs that are 11 age of years and up are being excluded by almost all companies that offer insurance.

Make a comparison of the quotes that you have gathered from different companies. Consider the dog's breed and age while doing this. To get the most suitable policy, consider your dog's breed and your budget. Once you bought the insurance, wait for the process to be completed then set an appointment for the physical examination. After different tests, the lab people will declare whether there are pre-existing conditions. These will be excluded from the coverage and discounts are also not applicable.




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