Insurance for Dogs: Flexible Coverage for Any Budget

 

Insurance for Dogs

The reason you need insurance for dogs like yours is because 1 out of 3 dogs suffer from an accident or injury before they turn 3 years old and it isn’t until you’re faced with a $3,000 bill for your dog’s emergency room services after she swallows a bottle of your Ibuprofen that you wish you had signed her up for dog health insurance.

This news brief will help you make sense out of the confusing insurance jargon you may have already read.  After reading this article, you’ll be clear about what’s covered and not covered through insurance.  Most people may not know that dog health insurance provides you flexible payment options that will fit any budget to keep your dog healthy. 

Insurance for Dogs:  What’s Covered and Not Covered

What’s Covered:

  1. Illnesses, Injuries, Accidents – With dog health insurance, your dog will be covered for treatment of new accidents, illnesses and injuries after your enrollment.  You may have a 2 week waiting period for dog insurance companies to check out your Insurance for Dogsdog’s medical records and notes from your veterinarian that would show pre-existing conditions which could prevent approval of insurance coverage.
  2. Hereditary and Congenital Conditions – Some dog health insurance companies cover your dog for hereditary and congenital conditions like eye disorders or knee issues.  This means that your dog could qualify for insurance coverage even if you may have thought these conditions were considered pre-existing.
  3. Unlimited Lifetime Benefits   Look for insurance for dogs with no annual or per incident limits.  Shop around for a plan with no incident caps or maximum limits.
  4. Customized Reimbursement – You can create a flexible plan that fits your budget with deductibles and reimbursement levels you can change as needed.
  5. Veterinarians, Hospitals, Specialists – You can select a dog Insurance for Dogsinsurance company that allows you to use any licensed veterinarian including animal emergency hospitals and specialists.  Your dog’s coverage includes: diagnostic testing, x-rays, hospitalization and treatments, surgeries and prescriptions.
  6. Hip Dysplasia – You can get lifetime coverage for your dog’s hip dysplasia, however you need to enroll your dog before she turns 6 years old.  Maryland and New Hampshire are the only states in the U.S. that don’t have a 12 month waiting period before hip dysplasia coverage takes effect.  This means you need to sign up for insurance for dogs with hip dysplasia before your dog is 5 years old for this coverage which requires a complete physical hip exam.

What’s Not Covered:

  1. Pre-existing conditions – Your dog may have a pre-existing condition like allergies or diabetes that has been treated by your veterinarian before your dog’s health insurance coverage starts.  No dog insurance company covers pre-existing conditions.
  2. Veterinarian exams – Annual veterinarian visits are not covered because this is part of the responsibility of dog ownership.
  3. Spay/neuter procedures – These procedures are not covered by dog insurance companies because they don’t qualify as an illness, injury or accident.
  4. Preventative care Insurance for dogs does not cover vaccinations or a titer test, heart-worm medication, de-worming, grooming and nail trim.
  5. Dental care – Your dog’s dental cleanings and care are not covered.  The only exceptions are when your dog’s teeth are injured in an accident which requires extractions or reconstruction.
  6. Behavioral treatments – Training, medications for behavioral conditions and therapy for behavioral modification is not covered by dog health insurance.
  7. Parasite control – Prophylactic treatments for internal and external parasites are not covered by dog insurance companies.
  8. Housing, Exercise and Food  Dog health insurance does not cover the cost of your dog’s housing, exercise, toys, treats and food.

This news brief gives you all the information you need to know about what’s covered and not covered by insurance for dogs.  You can use these points to find flexible insurance coverage for your dog that fits any budget.

Share this article with your friends and family so they have a checklist to use when they look for health insurance coverage for their dog.  You can always depend on the best dog health strategies from Dog Health News.

Add your comments about your dog’s health insurance experience below so others can benefit from your story.

SPECIAL BONUS — If you would like breaking news on how to NOT overpay for your dog’s healthcare costs and reduce the number of times your dog gets sick, then claim your FREE ACCESS to the “How to Control Your Dog’s Healthcare Costs” video news . Go HERE to get it FREE.

Dog Health: 10 Reasons You Should Fire Your Dog Sitter

Dog HealthDog health responsibilities remain in your hands as soon as you become your dog’s steward and bring your new puppy or adult dog into your home which means you need to ask yourself who you will entrust your dog with when you can’t be by your dog’s side and what your non-negotiable written guidelines should be to protect your dog before your dog gets injured or lost because your dog sitter was wrong for the job.

This news brief gives you the top 10 reasons to fire your dog sitter if they can’t be trusted to take care of your dog.

Dog Health: The Top 10 Reasons You Should Fire Your Dog Sitter

  1. Undependable – If your dog sitter has a habit of canceling or is consistently late you should start to look for someone else to take care of your dog.  This type of behavior indicates that your sitter is not accountable which means that your dog is not safe in this person’s hands.
  2. Forgetful – If your dog sitter forgets things like the key to your house or filling your dog’s water bowl you may want to let him go right away.  Anyone that’s not on top of simple dog health tasks might not be a good caregiver for your dog.
  3. Lazy – If your dog sitter is not passionate about all the things that you want him to do while you’re not home you should find Dog Health someone that cares more about your dog than you do.  A lazy dog sitter is unsafe around your dog because he will take chances like not using a leash which can endanger your dog’s welfare.
  4. Dishonest – If you suspect that your dog sitter has stolen money or other items from your home it’s time to give him his notice and get someone you can trust in your home with your dog.
  5. Texting – If you see your dog sitter texting while he’s walking your dog, you need to let him know that this is not safe dog health practice or find another sitter who will focus on your dog when he’s out with your dog.
  6. Phone calls – It’s important to set guidelines on phone calls for your dog sitter and not allow him to talk on his phone when he walks your dog for your dog’s safety.
  7. Ear Phones – You need to have guidelines for your dog sitter as to when he can listen to music using ear phones.  If your dog sitter breaks your dog health rules, he needs to understand that he may be fired.
  8. Cars and leashes – As a dog owner, it’s best to set rules for when your dog must wear a leash and whether or not your dog sitter is allowed to take your dog in a car.  If your rules and guidelines are not followed, find another dog sitter right away.
  9. Substitute sitter – If your dog sitter substitutes someone when he can’t make it without your approval and review, fire your dog sitter immediately.
  10. Overcharge – If you find that your dog sitter’s rates are higher than others in your community you should find out what he’s doing for your dog that would justify the cost or give him notice and find someone else.  Ask yourself if the price includes extra dog health benefits before you make your decision.

Dog Health This news brief gives you food for thought about your dog sitter’s responsibilities and how you want to manage them for the best care of your dog so you don’t have to deal with any accidents, surprises or even worse, your dog could go missing if your dog sitter is not trustworthy.

Share this article with your friends and family so they have the information they need to choose the best dog sitter and take better care of their dog.  You can always depend on the best dog health strategies from Dog Health News.

By the way… claim your FREE “How NOT to Overpay to Keep Your Dog Well” video news.  Just go HERE now to get your Dog Health and Wellness Video News.

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