Dog Insurance: How to Slash Your Steep Healthcare Costs

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Dog with pink cast -dog insuranceThe number one reason why smart dog parents never go without dog insurance is to limit how much they will have to pay for all the things that can go wrong with your dog’s health and well-being. From your shocking vet bills, freaky accidents, and diseases that some dog breeds are known to get sometime in their life to expensive medicines and surgeries, and other life threatening situations, smart dog parents don’t worry about keeping their dog well because they are protected 24/7/365 for less than the price of a cup of hot Starbucks coffee per day.

You never know when you’ll need dog insurance, but it’s worth its weight in gold when you have to make a choice between paying a large bill and saving your dog’s life.

One devoted supporter of Dog Health News told me about his friend who’s dog sustained serious injuries that will cost him from $1,355.00 to $1,768.00.   The estimated itemized bill includes the exam, radiology, injections, fluids, hospitalization, chemistry and supplies.

Now, this person is begging strangers for donations on the Internet so he can afford to pay his outrageous vet and hospitalization bills. You don’t want to find yourself in this situation. Do you?

The straightforward truth about dog insurance for you to get a grip on is that your dog can get into more trouble than a two-year old so it’s wise for you to consider alternatives to protect your finances against catastrophic events during your dog’s lifetime that will save you money.

3 Examples of Costs of Treating Common Dog Health Conditions 

  1.   $1,550 – Cost for blood tests, x-rays and prescriptions for vomiting and/or diarrhea that lasts for more than 3 days
  2.   $3,750 –  Cost for diagnostics and prescription medications for chronic ear infections
  3.   $6,250 – Cost of x-rays, hospitalization, surgery and prescriptions for ingesting a foreign object causing a blockage

Are you prepared to pay out-of-pocket for large medical bills like these?

3 Critical Questions to Ask About Dog Insurance

  1. Am I prepared to cover dog medical bills ranging from $500 to over $2,000?
  2. Do I have adequate savings to pay for a bill of $1,000 from my vet or will I need to use a high interest credit card?
  3. Without dog insurance as an option, am I prepared to euthanize my dog rather than provide treatment that has a good possibility to help my dog recover from his illness?

If you’ve answered “no” to at least one of these questions, you may want to hurry up and get insurance quotes for your dog and compare the costs.

5 Helpful Questions to ask about Dog Health Insurance

dog insurance

Some of the basics are selecting a reimbursement and a deductible.  You can usually go to any veterinarian, pay your vet first, file your claim and get reimbursed.  Pre-existing conditions and related treatments are not covered. That’s why you may want to move on this now. Be sure to ask your insurer these questions:

  1. Are there limits or caps on your dog insurance claims?   When you are protecting your financial interests, you need to make sure that the insurance company doesn’t limit your coverage with caps which will still leave you with a large bill to pay.
  2. Do you cover emergency care?  Make sure the company will cover 24/7 service and not limit the payout.
  3. How are the claims determined?  You want the insurance plan to pay your actual veterinary bill and not a predetermined benefit schedule.
  4. What is covered on the policy?  Get a clearly written description of your policy including hereditary and congenital conditions.
  5. What is not covered?   When choosing dog insurance, you don’t want to assume anything.

Lastly, one key thing to be sure of is you want to find out how long it takes to get reimbursed after you’ve paid your dog’s medical bills. Dog health insurance is definitely one way smart dog parents stay on top of ever increasing healthcare costs to keep your dog well for less than the price of a cup of hot Starbucks coffee per day.

Help other dog parents and please share below.  Thanks.

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