Dog insurance is like a safety net that helps protect you against unexpected costs related to your pet’s health. One of the most obvious reasons to take out these policies is to cover vet bills. But, it can seem like an unnecessary expense. So why is it absolutely necessary? Let’s take a closer look!
Is dog insurance really worth it?
The average pet insurance claim is around R4,000. But this can easily run into the tens of thousands if your pet develops a chronic condition. Before you think it isn’t worth it, just consider how you’d deal with that unexpected bill!
Pedigree dogs are more susceptible to illness, congenital disease, hereditary conditions and are also more likely to be stolen. Larger breeds are far more likely to suffer from joint problems while breeds like the bulldog are prone to respiratory difficulties.
Can you really afford to foot those bills on your own? We think it’s a no-brainer!
What does dog insurance cover?
When you first take out a dig insurance policy, a certain waiting period will apply. After that, here’s what you can expect your dog insurance policy to cover:
- General vet costs
- Hereditary and congenital conditions
- Long-term and ongoing conditions
- Dental care
- Additional care like homoeopathy, acupuncture and physiotherapy
- Breeding risks or costs
Along with veterinary bills, your dog’s policy might cover him for:
Theft
If your policy covers loss or theft, it should pay your pet’s purchase price. The insurance company might also pay for advertising costs to help you find your lost pet. Some service providers even foot the bill for recovery.
Behavioural treatment
The best dog insurance policies include treatment for behavioural problems.
Death by illness or injury
This part of the policy covers your pet’s purchase price, but there is usually an age limit that applies to death by illness. Most policies cover death by euthanasia if your pet has to be put down.
Kennel fees
If you, as the pet owner, have to go into the hospital for more than four days, your dog’s insurance usually covers the kennel fees.
How to get the best deal on insurance for your dog
Although pet insurance is generally seen as an unnecessary expense, there are ways in which you can save here.
You can buy insurance when your pet is still young and healthy. Waiting until they are older or have health problems will make it harder to get the cover you need. You’ll also probably pay much more for it.
Perhaps you should consider a policy that pays out throughout your pet’s lifetime. Lifetime cover isn’t the cheapest options and premiums can go up, but it covers conditions that require treatment year after year.
In short
Dog insurance is absolutely necessary, unless of course you have no end to your riches and have a super health dog. Some policies star from as little as R350 per month, which isn’t ridiculous when you consider the benefits. In the end, there really isn’t a price you can put on your pet’s health and overall quality of life.
