Most people consider their pets part of the family, especially dog owners. After all, dogs are called “man’s best friend,” and as such, they are usually well cared for and sometimes pampered. Taking care of your furry family member includes making sure that he or she is healthy and sees his or her veterinarian on a regular basis, which is easier to do with a pet insurance policy.
Most pet insurance policies provide discounts for routine care at your veterinarian’s office. Services such as vaccinations, de-sexing, de-worming, or teeth cleaning may be included or 80% of the costs may be covered, depending on the policy. If you have a puppy, routine-care coverage can help defray the costs of needing to take a young dog to the vet every few weeks for his or her immunisation shots.
Emergency Medical Care
Emergency care for an animal can be very expensive, especially if you need to take him or her to a vet clinic after normal business hours. If your dog has gotten loose and hit by a car or becomes ill during the night, you don’t have to worry about the costs of getting care for him or her. Most pet insurance policies provide accidental illness or injury coverage and pay 80% of the costs in most cases, even if your pet needs surgery.
Along with medical care, if your dog needs to be boarded until he or she is better, many policies will cover those costs as well. However, the costs paid with this coverage often vary between types of policies, so you will need to compare insurance policies to find one to suit your needs. Emergency pet boarding is often covered if your dog needs to be hospitalised for more than five days.
Tick Paralysis Coverage
Most dog insurance policies not only cover routine care and major medical treatments, but they also cover diseases dogs contract, including tick paralysis. When female ticks attach to a host and bite him or her, they release a neurotoxin that can affect a dog’s nervous system. This can lead to a loss of voluntary movement because the toxin affects the spinal cord and muscles.
Most pet policies provide various levels of care for tick paralysis, so if your dog is frequently out in the woods or high grass, you need to check the coverage before committing to a policy. Treatments may include hospitalisation, which would be covered with a pet insurance policy. Fortunately, not all tick bites result in tick paralysis, but you need to check for ticks whenever your dog has been in the woods.
Care by Breed
Purebred dogs have certain diseases or conditions they can inherit from their ancestors. In larger dog breeds this may include problems like hip dysplasia, and smaller breeds may have neurological conditions like epilepsy.
Having a pet insurance policy will allow your dog to get the care he or she needs from his or her vet if he or she does have hereditary conditions common to his or her breed. Having pet insurance will help you cover the costs of routine or major medical treatments to ensure your dog’s health.