You can spot a true dog owner and lover a mile away. They treat their dogs like little (or big) furry children and go the extra mile to make sure their dog has everything it needs to live the healthiest and happiest of lives.
An eager topic of discussion from such canine lovers is pet insurance. Sure, human children have medical insurance or why not our furry ones?
Pet insurance is a very tricky subject when it comes to our canine companions. Upon a recent visit to our own veterinarian, I happened upon a handful of pet insurance brochures and started to compare and contrast the plans they each offered. Sure, they looked great on the surface but once you start to follow those little asterisk (*) that lead you to the find print, you realize that most won’t even cover your dog’s aliments.
Let’s take the Labrador Retriever as a prime example of a dog breed that is mostly not covered by pet insurance programs. Why? Simply enough, they have what are deemed “pre-existing conditions” in their genes. No insurance program that I could find offered coverage for canine hip dysplasia, retinal detachment, OCD, skin allergies, etc. which are all found in this specific dog breed.
Coverage usually only means that routine vaccines, annual vet visits or an emergency procedure (such as eating a sock) are covered. In order to get medications at discounted rates, the monthly premium prices sky rocket.
If a dog owner is looking for coverage in those areas of greatest concern, they are best putting money away each month into a savings account for those problems associated with their breed. If that times never comes, then they have money to put towards other medical vet visits or a ton of new shiny squeaky toys for their beloved puppy.
The key to remember is that pet insurance is really only good for emergency, non-breed specific problems and not for maintenance of your pet’s health. It is important to read the fine print before signing up for any insurance plan to make sure your money is well spent to ensure a long life of health and happiness your fur child. It’s your money and your dog – make sure both are protected.