Does Your Dog Need Health Insurance?

March 2, 2011 by · Leave a Comment 

In-depth article about whether you really should have health insurance or not for your dog. I agree that you really need to know how much you are spending on the health of your dog now to decide whether health insurance is right and what type of health insurance you should be purchasing. The health insurance company makes all the difference as well – choose the wrong one and you will be out a lot of money on monthly premiums with no pay backs on your vet bills.

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Since most pet owners have health insurance for themselves, many wonder if their dogs need similar protection. But according to the July 2003 issue of Consumer Reports, “Pet insurance won’t necessarily save you money. In fact, with it, you can end up paying far more for veterinary care than if you don’t have insurance.” The Consumer Reports analysis indicates that purchasing pet insurance might increase the amount an owner pays in veterinary costs by thousands of dollars over the life of the pet. The magazine considers pet insurance to be “a form of enforced savings that almost never covers the entire bill.” The magazine reports that putting the premium into your own bank account each month would accomplish the same goal.

If you want a direct financial benefit, Christine Zink, D.V.M., who is well versed in sports-related canine injuries, has a good suggestion. She says, “You need to have really complete records of your dogs’ veterinary bills over a period of at least three years.” You need to know exactly how much you spend on veterinary care and on exactly what services and procedures.



About Dr Daniel Beatty
An Infopreneur with a Veterinary Medicine degree.