Not everyone automatically puts insurance in place for their pet dog, but if you have experience of a precious family pet being ill or having an accident, you will have an understanding of how much emotional and financial pain such a policy can save you. As with any other product you might purchase, it makes sense to compare insurance policies before you make a decision about which is best for you and your situation.
Clearly, one of the main things people are considering when they opt for dog insurance is the cost of veterinary fees in the event of illness or an accident. Such fees can be very expensive anyway, but if your pet is unfortunate enough to suffer from an illness that has an ongoing nature, these fees can be ongoing for the remainder of your pet’s life. It is this kind of consideration that you must bear in mind when comparing policies and making a decision.
Ongoing health problems such as arthritis or diabetes will require treatment from when your dog develops the problem for the remainder of its life. This is a very important thing to consider when you look at insurance policies. Any policy will have a financial limit on how much you can claim for vet bills and fees, but if your policy is only an annual one, your cover will end when the policy ends. If you have a lifetime cover policy then your pet will be covered for life, but this can either by up to a certain amount each year or up to a fixed amount over the life of your pet. You need to think about these things before you buy and then select the policy that actually gives you what you want.
Obviously the higher the limit of cover you get the more you will pay in premiums, but there are other factors too that can have an impact on how much you need to pay. Vet bills will vary from one part of the country to another, so you may find that your premiums for the same policy might cost more in one part of the country compared to another. The breed of your dog will also have an impact, and again this just relates to the fact that vet fees for some breeds of dog tend to work out more than for others. In general you will find that larger breeds tend to end up costing more in vet fees than smaller breeds, so the insurance premiums for dogs such as Wolfhounds, Great Danes or St Bernards will be more costly.
Before you can compare dog insurance companies you need to be clear in your own mind about what type and level of cover you want. Only then can you seek quotations and make sure you are comparing like with like and getting the appropriate cover for your pet and your situation. The easiest way to compare dog insurance is online and by purchasing your cover in this way you will almost certainly be able to take advantage of additional savings too. Many companies will offer additional and substantial discounts for buying online.
