Some pet owners choose not to buy pet insurance for older dogs because of the cost, but end up paying more on vet bills in the end. Now is the time to insure your dog, before it’s too late. Don’t count on your dog always being healthy. You don’t know what the future will hold. Just like us, pets need additional medical care as they age.
Getting An Insurance Policy
You really shouldn’t have any problems insuring your dog. Many pet insurance companies offer a variety of comprehensive dog insureance plans. Some plans cost more than others, so you are going to want to do some research to make sure you’re getting the best plan for your dollar. The cost of your pet’s insurance policy will depend on several factors. Your dog’s genetic make-up can actually effect the cost of the plan. Why is that? According to experts, pure breed dogs are more likely to inherit the genetic or hereditary defects of their parents. These make them more expensive to insure. Genetically engineered “designer dogs” can also have some genetic defects that cause them to be more expensive to insure. Your pet’s insurance costs will also be raised by the fact that designer dogs will often require more medical attention than other dogs throughout their lives.
Another main factor for pet insurance is the age of your dog. It will actually cost you more to insure a puppy than a dog that is a year or two old. Why does it work that way? Puppies tend to be more prone to injuries and accidents compared to older dogs so their pet insurance policies are more expensive. If you have a puppy at home and you want to get him pet insurance for dogs, be prepared to pay a little extra amount for his accident and injuries.
Can Any Dog be Insured?
Unfortunately, the answer to that question is no. Not all dogs are eligible for pet insurance. It is rare to find pet insurance offered to dogs over the age of 11. Dogs that are 11 years and older tend to have more health issues which makes them hard to insure.
Confused about whether you actually need pet health insurance? Read some of our in-depth reviews and learn as much as you can before you decide. Pet Assure is one of our most recent reviews of an excellent option.
By: Dr. Robert Sleeter
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