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Old 08-13-2006, 02:33 PM
DogBreedsInfosite DogBreedsInfosite is offline
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Join Date: Aug 2006
Location: Madison, WI
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Default Dog Health Information and Insurance For Dogs

Have you taken your dog to the vet recently? Did you balk at the cost of a regular check up or the price tag of your dog's medicine? In a more extreme example, your dog may have eaten something that didn't agree with them and they are convulsing and coughing up blood. This frightens you and you rush them to the emergency vet hospital. The vet has trouble ascertaining the cause of their distress and runs several tests and pumps a plethora of medicines in your dog's body.

Of course you love your dog and will do anything to save him. However, after the fright of the situation wears off you realize that your dog has racked up quite a vet bill. In fact, the bill may be over $1,000. Wow! There is no question that you should save your dog's life by any means possible, but if this type of situation happens more than once your bank account might dwindle to nothing. Therefore, you need to purchase dog health insurance for your dog.

Pet insurance for your dog you ask? Yes, you can purchase pet insurance for your canine companion. It is a great idea to purchase pet insurance for many reasons. Was your dog born with birth defects and other chronic problems? For example, some dogs are born with misplaced knee caps, "trick knees", and will need costly surgery in the future. Another reason to buy pet insurance for your pet is that if they are getting on in years. Many times dogs will hit a certain age and it seems as if they are struck with several health problems at once.

Dog health insurance is also a good option if you have an overly active or working dog. Does your dog tend to run around the country side and come home with scrapes and bruises? Do they bring home disease infested rodents for your viewing pleasure? Do they feel compelled to eat trash that is filled with bacteria even when they know they aren't supposed to? Do you have more than one dog and fear the spread of a dog illnesses or infections? Dog health insurance is something to consider in any of these cases.

How does insurance for dogs work? Insurance for dogs very similar to your own health insurance plan. There are several different dog health insurance plans to choose from that range in the amount of services and cost. Many pet insurance plans offer coverage regarding annual checkups, lab tests, vaccinations, drugs/medications, spaying/neutering and emergency visits. Often you will visit the vet, pay for the service and then submit your claim to the pet insurance company.

The range of coverage varies as does the deductible and reimbursement percentage. Some pet insurance plans will pay up to 80% of your vet bill after you have reached the $100 deductible. Pet insurance is an especially thankful gift when your dog has an emergency and racks up the medical costs.

In addition, pet insurance plans also allow you to choose the veterinarian you would like your dog to see for its dog health care. You do not have to worry about veterinarians "in your network" like you commonly do with your own health insurance plan.

When choosing a pet insurance plan you have a host of pet insurane companies available. Many of these companies have websites that can provide you an instant pet insurance quote. You type your contact information, the breed of your dog, and your dog's age. You can find the costs for pet insurance plans that are basic to comprehensive and whether you want to pay the pet insurance premium monthly or once a year.

It depends on the age and breed of your dog, but you can find pet insurance premiums as low as $10-$15 per month. As your dog gets older, the cost will increase slightly due to the fact that older canines are prone to more illnesses and veterinarian visits. This rise in cost can be offset greatly by the amount of money you will save by purchasing a pet insurance plan.

Think pet insurance is too high or unnecessary? Consider the fact that if you don't purchase pet insurance, you will have to pay the full amount for every vet service out of your pocket. These dog health care payments can add up to over thousands of dollars during your dog's lifetime.

If your dog is susceptible to illness or you find yourself at the vet's office often then check out pet insurance plans. You can peruse the Internet for instant quotes or contact your vet for possible pet insurance options. Finding pet insurance is as easy as signing up on the Internet. If you don't feel comfortable with the Internet, then seek out the guidance of your vet. They may know well respected pet insurance companies that offer affordable pet insurance plans. Your pooch and your pocket book will thank you.

Last edited by Renee750il; 08-14-2006 at 12:31 PM. Reason: Advertising
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Old 08-13-2006, 03:03 PM
bonster's Avatar
bonster bonster is offline
Disappointed :(
Join Date: Dec 2004
Posts: 622

Can you really (in America I guess) get insurance against known faults or check ups, spay/neuter and regular vaccinations? Not bad if so, as these are 'known' events not surprise or accidental/unfortunate expenses... sounds more like a proactive third party warranty than insurance, like a car with servicing costs thrown-in

Has anyone had good experience with such a policy (I'm curious as they are becoming available here and I've never considered it...) - I can't see any insurance company wanting to be toooo helpful.. the way I figured it - the monthly premium alone costs you a few hundred a year, plus then you have a deductible and only a percentage of cover on what remains... putting that money aside you have a fair fund and in some ways its (bad) "luck" if your dog needs emergency treatment, but if routine/known matters are covered too, that's different
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Old 08-13-2006, 05:27 PM
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First thing I did when I got Smokey, was to buy a 1 year policy for about $140 dollars from a company called VPI. They have different policies , but I felt that this one would give some protection in case anything serious happened. Since then I have heard stories about vet bills easily exceeding $1,000 or more when your dog gets sick. I am very glad I got this insurance, and will be renewing it next year, evemn if I don't use it.
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Old 08-13-2006, 07:40 PM
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Red_ACD_for_me Red_ACD_for_me is offline
Ruled by a RED boy!
Join Date: May 2006
Location: Massachusetts, Boston
Posts: 2,922

I also have VPI insurance for only $19 a month how can you go wrong. I have the superior plan for the real exspensive stuff like MRI's, Xrays, etc. I didn't get the routine care because IMO if I can't afford the basic stuff such as shots then I shouldn't own a dog *wink*
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Old 09-09-2006, 12:26 AM
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suenez suenez is offline
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Join Date: Sep 2006
Posts: 9

How did you get VPI for only $19/mo? Superior Plan? I pay $46/mo with VPI for my parents German Shepard 9 years old.
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Old 09-09-2006, 04:46 PM
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musky hunter musky hunter is offline
Looking for a dog !
Join Date: Jul 2006
Posts: 145

what insurance plans are availble to Canadians?
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