We all value peace of mind when thinking about our family and personal belongings, that’s why most of us take out various insurance policies. What about insuring the dog? Many still don’t realise such an option even exists. On face value it may sound a little extreme but with vet expenses often in the thousands of dollars for surgical operations its something we recommend considering.
Many insurers offer vet expenses protection these days but before diving into the fad, always scrutinise the Product Disclosure Statement (PDS) before committing. Policies vary significantly from one company to the other, if one policy appears much cheaper than the other, it’s almost certainly going to offer far fewer benefits. That’s why it’s worth taking time to go over your selected policy in detail before handing over your credit card details.
You can check these types of insurance cover:
Lifetime cover – This is by far the most expensive option as your dog is covered for their entire lifetime for any illness or injury up to a maximum amount each year.
Maximum Benefit policies – There’s a pre-set limit to the total amount covered for each condition then it becomes excluded. If your dog has diabetes for example then she will be covered until the dollar limit is reached. But if she develops another illness, then you will be covered again until the limit is reached for the new illness.
Twelve-month policies – limits the amount of time in which you can claim for any one condition to the twelve month period following initial diagnosis. These policies are the cheapest, but their cover is not helpful if your pet develops an expensive long-standing problem that will incur costs for many years, and perhaps for the rest of the pet’s life
Exchange information and thoughts with your dog sitter or with other dog owners to get some more ideas; it might help in your decision process.