Saturday, March 17, 2012

The Importance of Pet Insurance

Medical insurance is not just for humans, it’s for your furry friend as well! Dog insurance helps protect you from unexpected veterinary expenses and even ongoing medical treatments, which can quickly add up. With dog insurance, you can rest assured that your dog will be taken care of so that you will never have to make the heartbreaking decision to put a price on his life or happiness.

Trupanion pet insurance

Unfortunately, there are a lot of myths and misconceptions about dog insurance. Here are some of the most common:

Myth: Dog insurance is only beneficial near the end of a dog’s life when he is more prone to developing an illness.

Fact: While puppies that are sturdy and full of life may seem like they are immune to developing a serious health condition, it just isn’t the case. Puppies unfortunately don’t have the self control to stop themselves from getting injured and their curiosity and pension for getting into everything can also get them into trouble. Puppies definitely need to be covered.

Myth: Dog insurance is only beneficial when the dog is a puppy and more active.

Fact: Yes, puppies need to be insured, but so do adult and senior dogs. Even if your dog has never had an accident or illness that does not mean he never will. As dogs age their bodies start slowing down and they can injure themselves. Also, there are certain illnesses that can show up later in life, like cataracts.

Myth: I have a mixed breed dog so he doesn’t need to be insured – mixed breeds are always healthy.

Fact: Many dog owners assume that because of the lack of inbreeding in mixed breed dogs as compared to purebred dogs, mixed breed dogs won’ t be prone to any particular health condition. This isn’t true. Mixed breed dogs can get sick!

Myth: My dog stays inside most of the time and doesn’t have a chance to get injured.

Fact: As much as you like to think you can protect your beloved pet, there are things that are just out of your control. Certain hereditary and congenital disorders, for example, are inherit in the dog and cannot be prevented. And many of these conditions are extremely expensive to treat.

But even after all of this, the best way to see the benefit of dog insurance is to see real-life examples. How has this actually worked for other dog owners? Here are some real-life pet insurance claims:

1. Nacho the dog needed several extensive surgeries to heal injuries caused by being hit by several cars. Total cost was $11,591.33 and Nacho’s owners were reimbursed $10,279.20.

2. Bubba is a 9-year-old Australian Cattle dog that began experiences seizures. His owners rushed him to the hospital for immediate medical attention. Bubba needed diagnostic testing, anesthesia, and an MRI to diagnose the seizures. The total cost was $3,902.07 and Bubba’s owners were repaid $3,228.27.

3. Kokanee, a 9-year-old dog had been battling Lymphoma for six weeks, making multiple trips to the veterinarian’s office for diagnostic testing, fluids, and medication. Veterinary costs totaled $3,783.18 and Kokanee’s owner was reimbursed $3,252.76.

What is your experience with pet insurance? Have you personally seen the benefits?

All About Labrador guest post provided by Heather Kalinowski of Trupanion pet insurance.

Heather Kalinowski is a dog mom to an Italian Greyhound and a Spaniel mix and a new mom to a baby boy. She also works to help other pet owners protect their pets with Trupanion pet insurance, a pet insurance company that covers 90% of veterinary costs with no payout limits.

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