To people who love their dog, pet ownership isn't about having a little fun with a cute little puppy for as long as it holds your interest and then forgetting about it. As it becomes evident to anyone who polls dog owners for the bond they enjoy with their pet, dogs really do become a member of the family. And most people would rather deprive their children healthcare before they deprived their dogs of it. Such dedicated dog owners don't just take their dog to some general-purpose vet when he falls ill. They take them to specialists – orthopedic veterinarians, cardiac veterinarians or ophthalmologist veterinarians. The bills usually run into the thousands. If you can afford to pay for the treatment, specialist veterinarians can pull off near-human feats for your dog. Basically, it comes down to being able to afford it. So does health insurance for dogs make sense? Do you pay for it and then rest easy like you do with for your family?
To a dog owner the idea of being unable to pay for a health care procedure for their dog is the stuff of nightmares. So they should get the health insurance for dogs that comes specially designed for dogs’ needs, shouldn't they? Well, it depends on how much they are willing to pay; it depends on whether they can get the right kind policy.
Sometimes, when veterinarians have to put a dog down because the owner can't afford the $4000 bill for a spinal disc problem or $2000 for a fracture, they tell the owner that if only they had thought to buy the health insurance for dogs that's available, their dog would completely have been covered.
But as consumer groups will tell you, health insurance for dogs isn’t that simple. Good policies cost about $300 a year. If a dog lives for 15 years, that's thousand dollars. Who can afford that? In general, lifetime healthcare bills for your average healthy dog comes in at about $6000. That's a lot less than you would pay for health insurance every month and then pay for whatever the health insurance doesn't end up covering. If your pet comes down with a disease that requires long-term care, it could double your insurance bills. For your average dog that lives a healthy life, insurance doesn't save you any money at all. You should just save up every month whatever you would pay in premiums.
Of course, insurance companies have a different argument. They feel that the “average bill for a healthy animal over its lifetime” argument hardly make sense. Who is to know what dog will be healthy and what won’t? If you do decide that you will go with insurance, you should probably make sure you shop around and ask questions. You want a policy where prescription drugs are covered; you want one that asks for the smallest co-pay possible and has no cap how much is paid out. You want to know also if long-term chronic problems are covered.
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