Dog health insurance is definitely a necessity nowadays if only because the cost of health maintenance of your dogs is continuously on an upward move. To care for your dog’s health has become very expensive. Dog masters have to search for pet insurance companies that work efficiently by settling the dues in a timely manner. Pet health insurance groups actually have come forward in order to settle the proper dues in a prompt manner, this after the claim verification.
As good pet owners, it is a must that you know the accredited lists of veterinary clinics and dog care hospitals. Likewise, you must have a list of veterinarians specializing in dog health care. A licensed dog doctor list must be present in all insurance companies. Many dog health insurance companies cover the cost of many medical procedures and processes such as surgeries, treatment proper of medical conditions, radiographic exam, laboratory and medical fees and many more.
Pet owners must realize that there is a prescribed period before the dog health insurance policy can be approved and so it is advised that application and enrollment should be done as early as possible. It is best that you start early in obtaining insurance for your pet dog. If it so happens that you realize you do not have the right policy or like the insurance company, you can have the policy canceled.
Definitely it is ideal that you get your animal a dog health insurance as young as possible, before it turns adults. You must enroll your dog, while they are still young as a priority. Before your dog develop any illness or health condition, meet an accident or be in preexisting conditions quoted by the insurance companies has to be enrolled by the owners. They will perform comprehensive review of the medical history of your beloved animal, so it is best to start the earliest possible time.
The issue of dog health Insurance is one of the top requirements that dog owners must address. Health maintenance costs are getting higher and higher, and so it is best to enroll your dog as early as possible.
For more pet health insurance, dog care and other pet and dog articles, do visit our Pinoy Pet Blog site.
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My dog needs a knee surgery which would cost $ 3,000. How can I cut cost if I have no pet insurance?
I have 3 dogs and, so far, 2 have needed surgery – my boxer broke his leg falling down the stairs costing me $3,500 and my dachshund just had spinal surgery for a ruptured disc costing me $3,400. Both surgeries were done at Angell Memorial in Boston – a non-profit animal hospital. That is the key. The estimate I got for the dachshund at a VCA animal hospital was more than double the estimate at Angell for almost exactly the same line-by-line items.
If you go to more than one hospital for an estimate you will pay for the visit and diagnosis, which cost me around $160 at both hospitals. My vet does not do surgery like this, which is why I had to go to an emergency hospital – it was very important to have him speak to the hospitals that we were getting estimates from, however, because he made sure the costs and treatments were necessary and not padding (which VCA's estimate was).
Also, see if the vet accepts Care Credit. This was my lifesaver because we were able to spread out the payments over 12 months (it depends on how much is charged and how the hospital chooses to spread out payments – at Angell you could spread out $300 over 3 months and anything over $1,000 (I believe) over 12 months). You can apply online at http://www.carecredit.com or at most Financial Aid offices at an emergency hospital.
Talk to the vet, though, and see what they can do to lower the bill. I told Angell there was no way I could afford $7,000 that VCA estimated, but I could afford half of that amount. They were able to do a different diagnostic test to see if my dachshund did, in fact, have a ruptured disc, which significantly lowered my cost.
I hope everything works out for you and your dog.
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