Is Pet Insurance For Your Large Dog a Good Idea
When you have a big dog and are considering buying pet insurance, there are a range of
issues to remember.
Drawbacks to Insuring a Large Breed Dog
Animal insurance operates much like human insurance; in case of sickness, you pay a fee
and get compensation to protect your animal. The insurance provider pays out the
medical expenses in the event of a claim.
Pet insurance deductibles are available, much like human insurance. There are also
payment limits on specific treatment types, and exclusions for certain conditions. You
pay a premium for your selected coverage, and you have an assigned deductible that
directly impacts the premium you pay.
Another concern is that large dogs are usually very physical, they need exercise to remain
healthy and they are more susceptible to accidents. Many plans will introduce up to 20
per cent surcharge to cover a big dog
Assessing the risk factors of Large Dog Breeds
In determining whether or not you want pet insurance, you have to weigh the
disadvantages against what you know about your pet, and what it will cost in an
emergency to take care of. Of example, if your dog breaks a leg, it’ll cost as much as
$2,500 in vet bills. Balance it against your annual insurance premium costs.
Other risk factors such as your dog age, activeness and or maintain of control when in
public. Answering these questions will help you determine the risk factors, and get an
idea of how to treat an unexpected illness or accident.
Another concern is that large dogs are usually very physical, they need exercise to remain
healthy and they are more susceptible to accidents. Many plans will introduce up to 20
per cent surcharge to cover a big dog.
Until enrolling, it’s important to know and understand what variables, such as the
breed of your pet and any pre-existing conditions, that affect coverage. Check
out how much the price will go up, and why. Ask whether your premium would be
affected by the amount of claims you make. When you’re confused about the
wording of the contract, contact the pet insurance company and ask Customer
Service to clarify it in a way that you can clearly understand.
Exclusions in pet insurance policies can have a major impact on the coverage of big dogs,
and insuring a big dog is typically more expensive than insuring a small dog, but pet
insurance in the event of a catastrophic illness and injury still has advantages.
Medical expenses have also skyrocketed for animals, and if you can not afford a large vet
bill, coverage may mean the difference between life and death for your pet.
Speak to your doctor about the wellbeing of your pet and ask for advice on it. Do not
forget to contact your nearest humane society if you want to buy insurance. And be a
smart shopper. The insurance rates for animals vary from carrier to carrier, so shop
around.
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