Things can get confusing when choosing dog insurance. With so many offers on the market, picking one provider is a great responsibility since it may mean a lot when coverage is needed for a crucial condition that your furry pal might develop.
To make sure that you have the most appropriate insurance for your dog, there are several questions you need to ask yourself before enrolling. Luckily, those questions themselves aren’t too difficult to ask…
What Is My Dog’s Breed?
Before anything else, it is important to discover if your dog’s breed is considered “risky” by pet insurance providers. This may happen because certain breeds are prone to develop a set of conditions sooner or later in life.
This might mean that there will be greater expenses involving their treatment, which will push up the price of the insurance higher than other breeds. If you have a purebred dog, therefore, make sure to choose a provider that covers genetic as well as breed-related conditions.
What Is My Dog’s Medical History?
Your furry companion’s medical history is important in establishing if he or she has any preexisting conditions. That’s because these types of conditions are not covered by any pet insurance firm.
The exception to this rule are a few of them that make the distinction between curable and incurable preexisting conditions. This means that if your dog has a preexisting condition and it is cured of it, the insurance company will still cover that specific condition but only after a certain time frame.
Age: An Important Factor
Your pet’s age is an important factor because most providers do not offer coverage for pets who are older than 14. That happens because senior dogs are more likely to develop conditions that are extremely expensive to treat. Many times, these treatments will last for the rest of the pet’s lifetime, which involves greater health-related costs.
There are, again, a few exceptions related to the pet’s maximum age, too. A few companies do not put any limits on this, however, and will insure an older dog, though this will be more expensive.
It is therefore recommended to enroll your dog as young as possible, to make sure that in their senior years they will still get coverage, too.
Other Things to Do Before Enrolling
To avoid a situation where your dog is insured only to discover that the treatment they need is not covered by the pet insurance company you signed up with, it is extremely important to do thorough research prior to enrolling.
Also, be sure to read independent pet insurance provider reviews and comparisons such as ours to understand what each company’s advantages and disadvantages are. This way you’ll be able to make an informed decision.
While doing all these, also be sure to get quotes from all companies that you have found appealing and compare them so that you are able to choose the one that best fits you and your dog’s needs.
More Dog Insurance FAQs
- Should I Get Dog Insurance?
- What Is Dog Insurance?
- What Is the Average Cost of Pet Insurance for a Dog?
- Which Dog Insurance Should I Choose?
Best Dog Insurance of 2020