Though numerous families across the UK tend to own dogs as pets, most of them are not too positive about getting their dogs insured which is mainly due to ignorance about the importance of the same or they might not feel the need of that.
It has to be noted that getting dog insurance can prevent owner of a dog from incurring numerous expenses in case of serious injury or a life threatening disease. Some characteristic advantages and disadvantages of dog insurance are discussed here.
Advantages of dog insurance:
Cover for treatment: Treatment of veterinary diseases is quite expensive and has a potential of burning a big hole in pocket of the owner. Surgical treatment of a dog can cost over a thousand dollars. Moreover, treatment of deadly cancer can cost much more than that. Scans such as MRI and CT scans too, are quite expensive. Besides huge expenses on these types of treatments, the owner needs to spend large amount of money on hospitalization of the dogs.
In addition to these expenses, the owner needs to face agony of watching his/her dog in pain. In case of unfortunate death of the dog even after spending such a large sum, the owner needs to take a double blow, of losing the beloved pet and the money spent on his treatment. Owners of dogs can spare themselves of such expenses and the mental harassment by getting their dogs insured. This is because dog insurance covers major injuries and diseases of dogs and the owner needs not to spend from his/her pocket.
Easy payment options: Dog insurance can be bought at very small rates. Besides that, the owner needs to pay only small amounts of premium every month. In this way, the dog owner makes the future of his dog secure by paying paltry amounts.
Disadvantages of dog insurance:
Absence of pre existing diseases in insurance cover: Most of the times, none of the pre existing medical conditions are covered. If any pre existing disease surfaces up in later part of the dogs life, the dog insurance provider will not pay for it. Hence, the owner may land in a spot of bother as even after paying insurance premiums for long time, only to find that the dog insurance policy will not cover the expenses towards treatment of his/her beloved pet.
Issues with insurance of older dogs: The insurance companies tend to shy away from insuring older dogs which are over six to seven years of age. Even if the owner goes for insuring his dog, he may need to pay a larger sum of money for that.
Each and every point specified above doesnt apply to every dog insurance provider and it is advised to check policies offered by different service providers. Before going for insurance of dogs, the owner must consult a number of insurance providers so as to get the best offer for his dog. Further, one doesnt need to fall for a cheap insurance as there might be a number of terms and conditions which can render the insurance policy useless at the time of need.