Login Form



Recent Highlights

The Easiest Winter Dog Treat Ever

Does anyone know what the easiest dog treat is during the winter? In some areas we have these treats in abundance and others not so easily. It is all natural....

General Canine Questions | Canine Health Care | Monday, 29 December 2008

READMORE

Tick Tools Make For Easy Tick Removal

News image

Even with tick medications, your pet may still get ticks on them. Most tick medications only affect the tick after a day or two. Understand that these medications are absorbed...

Canine Parasitic Disorders (Parasites) | Canine Health Care | Friday, 21 November 2008

READMORE

Why Dogs Sniff Other Dogs

News image

Animals have their very own social patterns. One of those is the sniffing of other dogs rectal area. Dogs do this primarily to determine the sex, and scent of the...

General Canine Questions | Canine Health Care | Tuesday, 18 November 2008

READMORE

Why Do Dogs Behave The Way They Do?

All pets have bahavior. Some are well behaved, others are quite rowdy and misbehaved. So what makes the difference? What causes your pets to act the way they do?Well there...

Dog Training Questions | Canine Health Care | Monday, 17 November 2008

READMORE

Know Your Pets Behavior Patterns and You Will Know How Your Pet is Feeling

All pets have their own basic personality traits. Some dogs are vibrant, energetic and seem like they are running on way to much caffeine. While other dogs you might have...

General Canine Questions | Canine Health Care | Tuesday, 4 November 2008

READMORE

More in: Canine Arthritis and Bone Issues, Dog Training Questions, Canine Hip Dysplasia, Canine Health Questions, Canine Dental And Breath Issues, General Canine Questions, Dog Breed Questions, Canine Internal Disease or Disorders, Canine Parasitic Disorders (Parasites), Canine Diseases and Viruses, Canine Injury and Recovery, Canine External Diseases or Disorders, General Canine Health Issues

100%
-
+
3
Show options

Sponsored Links

Home > Canine Health Problems > Canine Injury and Recovery > Should I Get Pet Insurance - Yes or No?

Newsflash

Like you, we have been inundated with the rising cost of pet care. Because of this we have been researching pet care insurance providers. We will get some of the data and information out to you as soon as we can.
Should I Get Pet Insurance - Yes or No? PDF Print E-mail
Written by Canine Health Care   
Tuesday, 04 November 2008 17:35
Any avid pet owner likely would do most anything to keep their pets happy, unfortunately many pet owners are not even fully aware that getting pet health insurance for their cat or dog is even an option for them. This is because most people are never told about it until after it is too late. Sure you might see a flyer in the store, or some add online, but the truth is that no one ever really wants to share the bottom line truth about what is involved with getting pet insurance. Let's take a quick look at the good and bad points of what you will encounter with insuring your pet's health for the long term.

Like any type of insurance, there are dozens of companies that can provide you with insurance quotes and plans. As with your own insurance, you will be left to decide which company is best for you and your pet's needs. Here is a brief list of several of the most readily available pet insurance carriers on the Internet:

Pet Care Insurance Companies - PetCareInsurance.com
Veterinary Pet Insurance Company (VOI) -PetInsurance.com
Pets Best Insurance - PetsBest.com
Vet Insurance - VetInsurance.com

The basics of any insurance plan, whether it is for you or your pet are always the same: coverage, cost, and available doctors.

Because not all vets will be participating members of any one insurance company, you should always check with your locally preferred vets first. If you have been using the same vet for 20 years, then ask if they are members of any vet insurance companies, and ask why they have never mentioned it to you before.

Insurance coverage will vary based on each company. I found one company website, PetCareInsurance.com, to be quite informative and displayed available coverage options from the start. They did not hide behind the "get a quote type option". Coverage levels can include accidents only or long-term illnesses, and could range from a seventy percent (70%) payments to as high as one hundred percent (100%) cost coverage.

They also list the cost associated with common problems. This is when you realize that some issues like gastric torsion (where the stomach twists and bloats) or a bone fracture can cost you $3000 per occurrence. The vet is never going to tell you ahead of time how much some hereditary disease will cost you. No one ever thinks to ask how much it will cost *if* my dog breaks a leg. We do not want to think ahead in that manner. A breeder I received two dogs from recently paid $2500 to remove a throat blockage from a 5 week old puppy. There is no way to know what will happen with your pet.

The monthly costs involved could be as low as $11 per month for accident only coverage, to a range of $35-$85 for specific breeds long term illness coverage. Obviously some breeds are more prone to particular illnesses then other breeds. You should know your breed well, and take this into consideration when looking for pet insurance.

The bottom line is that you need to do your homework. You need to know the potential risks for your breed of cat or dog, as well as how they behave. If your dog is chasing cars all day long, assume that the risk of an accident is much higher then a dog who is stuck indoors all day. This is in no way saying that an indoor accident will not happen, but some things are more inherently dangerous.

Decide if you can afford to spend a small amount each month, or if you could afford to come up with a quick $3000 if you need to. Check with your vet about pet insurance companies they recommend or use personally. Ask them for their honest opinions, not a sales pitch. By taking the time and steps needed to learn and make an informed decision about pet insurance you could literally save your pet's life.
Last Updated on Tuesday, 02 December 2008 22:21
 

Random Image

malamute.jpg

CHC Newsletters

Get free training tips, health news, and books each month.
Join our Newsletter.
Email*
First Name*
Last Name
Breed
* = Required Field
Featured Links:
Care Giver Resources
Elderly Care Resources for Care Givers
Extraordinary Dog Supplies
for Extraordinary Dogs and their People at SitStay.com
Nautical Gifts for Xmas
Hand-crafted Museum Quality Wood Model Tall Ships Make great gifts for the sea lover in all of us.
Dog Health Insurance
You can't predict the future of your pet's health, but you can prepare for it.

Help Canine Health Care