Dog Health Care Insurance
According to an MSN Money report, pet owners spent more than $12 billion on veterinary care in 2009. Health insurance for dogs can help defray the cost of veterinary health care by paying expenses related to health conditions or emergencies.
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Coverage
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Basic dog insurance typically covers veterinary expenses related to accidents, illnesses and injuries. Additional coverages can include reward and advertising costs for lost dogs, loss of a dog due to theft and burial expenses when a dog dies.
Dog Health Policies
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Insuring a dog can cost between $2,000 and $6,000 over the dog's lifetime. Typically, a dog owner must pay all medical bills up front and then submit a claim to the insurance agency for reimbursement of covered costs. Veterinarians play a role in the process by submitting documentation for claim submissions.
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Policy Terms
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Dog health care policies typically include co-payments and annual limits on how much a policy will pay. Policies usually exclude coverage for hereditary or pre-existing conditions and the majority of policies will not cover dogs over 9 years of age. Dog owners can often find providers to cover older dogs, by paying a rider or higher premiums.
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References
- Photo Credit dog image by Ramona smiers from Fotolia.com
