Oct 14, Health Insurance For Your Dog - A Dog Owners Guide

Do you have questions about health insurance for your dog?

Are you considering buying dog health insurance?

If so, you've come to the right place!

I've created this page to make it easier for you to choose the best dog healthcare insurance plan for your dog and your situation.

You'll find general information on pet health insurance, what you need to consider if you own a Rottweiler, plus lots of tips on what to look for in a policy, questions to ask before you commit and much more.

Here in the US, having dog medical insurance isn't as common as it is in Europe, but we're catching up fast! In fact the pet health insurance business is growing at a rate of around 15 - 20% each year.

On the other hand, over the last 20 years or so veterinary costs have risen even more sharply. Between 1991 and 2001 the average cost of a routine vet bill doubled... and overall spending on veterinary care tripled!

Since then, the cost of pet health care has continued to rise, and there's no sign of it stopping any time soon. according to the American Pet Products Association it's estimated that pet owners spent over $12 BILLION on veterinary care in 2009.

If you 'do the math' there, the cost of health insurance for your dog is looking like a better deal already right?

Rotties are BIG dogs, and they need the 'large' or 'extra large' size of just about everything......

..... including canine vaccine components, routine veterinary treatments such as de-wormer and flea/tick preventative, right up to anaesthesia, surgical care and medications for more serious problems.

They also have their own set of hereditary diseases and common health issues that the breed is particularly vulnerable to.

Of course, Rotties aren't alone in this, in fact all purebred dogs tend to have an higher-than-average risk of certain diseases or health issues which vary according to the breed in question.

Research done by the people at ConsumerReports.org indicates that Rottweilers take 6th Place on the Top 10 List of dog breeds particularly prone to certain conditions.

The most commonly seen hereditary problems in Rotties seem to be hip dysplasia and ruptured ACL's. The most common degenerative disease appeared to be osteoarthritis.

Rottweilers are also prone to kidney problems, cancer, eye problems such as entropian and ectropian, and allergies. Also, Rottweilers are one of the breeds that are extremely vulnerable to Parvo.

In fact, as a whole Rottweilers are considered to be one of the most expensive breeds when it comes to the cost of veterinary care... studies have shown them to cost up to 32% more than many other breeds.

So, if your dog develops any one (or even more than one) of the health problems above, your veterinary bills could end up being very, VERY high!

Accidental injury or serious disease can come 'out of the blue', and if you don't have several thousand dollars in savings that you can afford to spend, or an 'empty' credit card, it's easy to find yourself unable to get your pet the help he/she needs.

Dog Health Insurance can prevent this sort of nightmare scenario because by paying a little every month, you don't have to rob a bank (or borrow from your friends/family) if your dog gets injured or falls ill.

It's important to know that with dog health insurance, although you generally have to pay your veterinary bills up front, you will be reimbursed quickly and easily (usually within 15 - 30 days).

There are several different pet insurance companies, and each one may have several options when it comes to dog healthcare insurance plans. There's literally one to suit every budget and situation.

There's no one-size-fits-all policy, and premiums and deductibles vary quite a bit. The insurance company will have several questions for you and you should also have a few questions to ask them so that you know exactly what you're going to be getting for your money.

It's easiest and least expensive to set up health insurance for your dog while he's still a puppy. As he grows he may develop health issues that will be considered as 'pre-existing conditions' (and therefore won't be covered by the plan) if you start insurance later on. Certain breeds may cost a bit more to insure, and the area that you live in can also affect premiums - sometimes because there's a higher risk of certain health problems, accidents and so on in that area).

Generally a company will put together a policy for you that fits the level of care that you want as well as your budget. Here are some of the different components of dog healthcare insurance policies....

Cover for accidental injury or 'Major Medical' coverageCover for Illness (may be broken down into categories such as degenerative or terminal etc.)Routine or 'Wellness' cover - vaccinations, parasite prevention/treatment, annual checkups etc.Cover for chronic conditions such as osteoarthritis, diabetes and so on.Genetic condition coverage - varies depending on the breed involvedThe last two items on this list aren't necessarily available with all dog health insurance companies, plus they can be complex and vary considerably from plan to plan. They also tend to make the overall coverage a bit more costly, but for Rottweilers they can be very vaulable indeed.

You should aim to get a plan that at least covers urgent veterinary visits, diagnostic tests, surgery and hospitalization as they're the expensive procedures. Additional coverage for routine vet visits, spay/neuter, vaccinations and dental care would be next in order of importance in my opinion and you may, or may not, have to pay extra for some or all of these depending on the provider and plans available.

Things like alternative treatments, behavioral problems, breeding issues, elective/cosmetic procedures (yes dogs can have those too!) and preventable diseases are often not covered by most policies.

If your dog suffers from just one major illness/accident or injury, you could find that the plan just paid for itself.

Finding the right health insurance for your dog may take a little bit of time, effort and research, but it could save you a ton of money down the line.

And, it's not just the insurance companies that should be asking the questions before you make a decision. Here are a few of the things you need to find out before you commit.

Check the dollar amount of both the monthly premiums, co-pays AND the deductibles so that you know exactly what you're going to need to pay.Look at the age limits given - both minimum and maximum - to make sure it's a good fit for your dogFind out what the 'caps' are (max. amount they will pay out), and whether it's per incident or per yearCheck what percentage of the total bill is covered, it can vary quite a bit but it's typically between 50% and 80% of the cost.Know what the 'waiting period' is going to be. This is how long you'll need to wait for the coverage to kick-in.Find out if you can use the veterinarian/specialist/hospital of your choice, or whether there's a list of 'approved providers' only

TIP: Often a discount is available if you pay your premiums annually rather than monthly. It's another point to check with each company when doing your research.

Getting health insurance for your dog isn't just a luxury, because of the high cost of veterinary care it's a necessity for most people.

So take your time and do the necessary research, and you'll be able to feel confident that you've made the right choice and found affordable pet insurance that works for you and your dog.

You can get quotes online from many pet health insurance companies, and this is a good way of getting the information you need to compare dog insurance policies.

Getting quotes is quick, easy and FREE! Just fill in some basic information and you'll get an instant quote showing the cost of the type of coverage you're looking for. I'd recommend getting between 3 and 5 quotes before making a decision.

And remember, as with any policy... make sure you always read all the fine-print before you accept it, and ask questions before - NOT after - you've signed up.

To get a more detailed look at what three of the top Pet Health Insurance companies offer, take a look at my Finding The Best Pet Health Insurance page.

You'll find more information on the range of plans available and an easy to understand pet insurance comparison chart.

Embrace Pet Insurance is one of the companies I cover there, and it has a variety of very comprehensive and flexible plans which can include coverage for congenital, hereditary and chronic conditions.

Learn more by clicking on the banner below. You can get information, a FREE quote and more, with no obligation at all.

Search here for more information on Rottweiler health issues or anything else you want to know about this breed........ Finding The Best Pet Health Insurance

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