As a savvy dog insurance buyer, you can get the most comprehensive and useful cover policy at the most affordable price. Becoming a savvy shopper is not a difficult task. You just need to ask a number of questions and use their answers to make the best choice for you and your beloved canine pet.
1) Which level of coverage is right for my pet?
There are two levels of dog insurance cover. The limited cover policies are recommended to dog owners who have young and healthy pets that will need treatment occasionally. Such policies have fixed amounts of coverage per treatment for each medical condition and injury. You can claim a total amount up to the fixed limit. Basically, if you make one claim for half the fixed amount, you can make another claim that is no larger than the remainder. This is not particularly restrictive because limited policies usually have limited duration as well. The typical duration is one year.
The lifetime dog insurance policies are suitable pets that are old and/or have chronic medical conditions or injuries. These policies do not have fixed amounts of coverage per condition. In this way, the policy can cover more of the vet fees when regular treatment is necessary. You can make as many claims for any conditions as necessary for as large amounts as you need, provided that the total claimed sum does not exceed the limit per year. Still, it is worth pointing out that with some plans the limits can be raised by a certain percentage annually.
2) Does my dog have any special needs and requirements?
Every dog is special for the owner, but there are canines that have special needs. Pets with pre-existing medical conditions and hereditary conditions may need a special type of dog insurance policy. This is because most standard policies do not cover such conditions. If your pet has any special needs, you should consider contacting the insurer and asking for a special plan. This is a more suitable option that spending time to compare standard dog insurance policies.
3) What types of coverage should I get?
In general, the more types of dog insurance coverage you get the better. However, it is a good idea to take your individual requirements, needs and preferences into account. It is essential that you get vet fees coverage and boarding fees coverage and surgery and complementary treatment coverage. Straying coverage, theft coverage and advertising and reward coverage are designed to help you financially, in case your canine goes missing. These are useful, but they are not as important.
Third party liability coverage is generally recommended to canine pet owners and particularly to ones that have dogs which are more likely to show aggression towards people. Holiday cancellation coverage can be used when you have to come home due to your pet falling ill. It is a good option, especially if you do not have travel insurance that covers for any reason for cancellation.
4) What are the exclusions?
This is an essential question to ask when you buy dog insurance because most types of coverage have some kinds of exclusions. You should know that checkups, vaccination, flea control and castration are not included in a standard policy. Similarly, you may not be able to make a claim on your third party liability coverage, if you did not have your dog on a leash in a public park and it caused an injury to another part visitor. You have to consider carefully all exclusions, before you buy dog insurance so that you are not left paying for a cover that is not suitable for you and for your pet.
5) How much coverage should I get?
You should get as much of the different types of coverage as you need. This is a simple answer, but it needs some explanation. It is often hard to figure out how much dog insurance you need, especially if you have just got your pet. You need to take into account a number of factors. These are your pet’s breed, age and health as well as the cost of veterinary treatment in your area. Dogs from pedigree breeds are more likely to get hereditary medical conditions. Similarly, older pets and ones with chronic medical conditions or injuries need larger amounts of dog insurance. The higher the vet fees in your area of residence are the more coverage you will need.
6) How much should I pay for dog insurance?
This is a very important question for many dog owners. In general, the cost of the policy will be determined by the factors described in the answer to the previous question. The owners of pets from pedigree breeds and the owners of old and chronically ill or injured pets will have to pay more for dog insurance.
You should definitely know what the most common types of discounts are. These include online purchase discount, multiple-pet discount and loyal customer discount. You can get a discount via membership in a pet owners association or a similar organization.
With that being said, you can spend as much on insurance as you deem fit and as you can afford. Still, it is worth pointing out that it is always better to determine the types and amounts of coverage you need and then to look at the prices. In this way, you will ensure that you actually get what you pay for. Besides, there are a lot of ways in which you can save on dog insurance.