Dog health insurance providers have become quite popular and more common in the past few years. This has made many dog owners eager to get dog health insurance but once they try, the process becomes quite overwhelming. There are a so many policy options as well as insurance companies to choose from it can make your head spin. This book may help and we do recommend, Your Guide To Understanding Pet Insurance: Pet Insurance companies like the ASPCA’s Insurance Company, offer realistically priced insurance policy premiums for cats, dogs, birds, exotics and other home pets. Veterinary Pet Insurance, Inc. (also known as VPI) also offers a good sized selection of coverage alternatives. This allows dog owners to afford dog health insurance options. Here are some of the choices that are offered:
Taking a closer look at Dog Health Insurance:
- Scheduled routine coverage: Routine care is typically covered for the most part with these types of policies. They tend to take care of needed shots and immunizations as well as yearly check-ups. This typical type of coverage is usually the least expensive but caution should be taken in making sure that the cost of the policy does not exceed what your annual expenses would be otherwise.
- Specialized care and procedures coverage rate: A basic care policy should cover the fixed cost of examinations and other procedures that fall outside of routine care services. So a policy of this type will not cover vaccines or yearly routine examinations, however it will cover a portion of the costs related to diagnostic testing, visits to veterinary specialists, operations and other needed procedures.
- Specialized care and procedures – Premium coverage policies: Premium dog health insurance policies can be quite pricy. They do however, offer extensive care plans and also offer coverage for the similar procedures and testing that basic care plans offer and the reimbursement amount is also higher.
- All-Inclusive Coverage: An all-inclusive coverage pet health insurance policy will normally cover routine care and in addition, specific care such as diagnostic testing, visits to veterinarian specialists and corrective procedures. All-inclusive, meaning everything is included is a veterinary pet insurance policies that has the highest in premium cost to the pet owner. Unfortunately, most veterinary insurance companies do not pay for procedures and additional care up-front. That responsibility is solely on the pet owner who has to pay the vet bill up-front. Only after submitting all the expenses to the insurance company, the cash will be reimbursed to the pet owner but this can be a bit of a lengthy process. In many cases especially when it’s a matter of life or death, many veterinarians will agree to treat the pet and have the pet owner only pay a small part of the bill in advance.
This gives the pet owner to make arrangements with the insurance company to send the proceeds of the insurance claim directly to the vet clinic.
Don’t try and get a policy after your pet has taken sick. There is typically a two-week wait before pet coverage becomes effective, so when purchasing a veterinary pet insurance, pet owners should be sure to find out if there is a wait period and how long is it.
There is no doubt about the need of the pet health insurance. More than its disadvantages, it offers many more benefits, not only for the pet but also for its owner. However, no matter how important pet health insurance is, owners should not jump into getting one without doing enough research so they can weigh the cost against the benefit.
Taking the time to learn about dog health insurance and making every effort to evaluate all your options is a must. It can not only ensure that you will get the best healthcare for your pet but may also help you save up some money to attend to other needs of the pet.