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Do I Need Pet Insurance For My Dog? Wuff Wuff!

Joseph Roltz


I have a dog. Do I need pet insurance for my dog? That is a great question and one that we get on a regular basis. Pet owners know the value of owning and caring for their dogs and they want to make sure that their four-legged family members are healthy, happy and taken care of no matter what might happen in the future.

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Does Your Dog Need Pet Insurance?

The short answer is: "It depends."

If you want to make sure that your dog has the best medical and preventative care in the future, then pet insurance might be a good idea for you and your family. You won't know until you ask yourself many questions about pets in general and about your specific dog. Pet health insurance can range in price, depending on the company you choose and the breed of dog. 

Here is a list of questions to help keep in mind when considering pet insurance for your dog:

1. How old is my dog? 

2. What type of dog do I have? (This could affect the premium.)

3. Does my pet have any pre-existing conditions?

4. How much coverage do I need? (You might be surprised how expensive some treatments can be.)

5. Is there a waiting period before my policy starts? (This can differ from company to company and it's good to know about this in case you need immediate care for your dog.) 

6. What is the return policy if I'm not happy with the insurance company?

7. How difficult is it to file a claim? (This can vary greatly from company to company.)

Pet Insurance For Dogs

If any of these questions make you uneasy, consider talking to your veterinarian about pet health insurance options. They may be able to recommend an affordable plan that will fit the needs of your dog. If you are still unsure, there is plenty of information online about the different types of pet insurance companies and what they cover.

1. What type of coverage do you need? There are several options to choose from.

2. How much is the deductible? This will depend on the company that you select.

3. What is my budget? Pet health insurance costs vary depending on the company that you select.

4. What kind of coverage does my dog need? There are several options to choose from.

Pet Insurance is Helpful

Pet health insurance is a hot topic in the pet community because it can be expensive to pay for unexpected treatments. Some owners choose not to get pet insurance at all, but then they are stuck with either putting their dog down or coming up with thousands of dollars for care–something that some people just don't have.  Remember, everyone has different needs when it comes to their dog's health. Some dogs have no problems with pre-existing conditions and owners would rather pay for an inexpensive plan. Other dogs have had health problems in the past, so owners want to ensure that they have full coverage in case of an emergency.

It is important for pet owners to be aware of the high cost of veterinary bills when their dog becomes sick or injured. Owning a pet can sometimes mean taking on additional monthly expenses, but it's worth it knowing your best friend is healthy and happy.

1. What are my choices? There are several companies to choose from.

2. How much is the monthly premium? This can vary depending on the company that you select.


Pet insurance for dogs might help you take one less thing off your "worry list." No matter what happens, rest assured that veterinary bills are covered when you have pet insurance. If you choose not to get your dog insured, be aware of the risks and how much veterinary care can cost.