Puppy Insurance Plans – Choose the Right Type
Did you know that almost half of all dogs in the United States are covered by puppy insurance? While things have changed since the Affordable Care Act, many people still fail to pay even the loosely enforced minimum premium on their dog’s health insurance.
But whether you’re planning to get a puppy for the first time or need protection from a severe illness, it’s essential to understand the type of puppy insurance you want to purchase.
Many dog owners know that the cost of veterinary visits threatens their ability to care for their young dogs. This is especially true for uninsured puppies with health problems requiring almost constant attention. In these cases, puppy insurance can help defray the cost of almost all procedures. But what puppy insurance should you get? And is it right for you?
Puppy Insurance Plans – What Policies do I need to Know About?
In general, most puppy insurance policies provide protection only after the age of first contracting; these policies typically require that the puppy is at least nine weeks old before they are eligible to be insured.
Small Puppies are often the most vulnerable and can be separated from their mothers even after reaching emotional maturity. Puppies need to be covered by a more costly policy; most policies suggest that the puppy is at least 2 pounds before it can be eligible for supplemental insurance protection.
Most puppy insurance policies will not cover any pre-existing conditions the puppy may have. Puppies can have conditions such as respiratory problems, birth defects, or painful joints that most puppy insurance policies do not cover.
If your puppy has an illness or health problem, it is essential to inform your veterinarian. Some insurance providers will inform you that your puppy may require specific care depending on its age, breed, and medical history.
Puppy Insurance Policy – Always a Good Idea!
Another type of puppy insurance policy available is the puppy insurance policy. These policies allow for the sale of up to pay for the puppy’s care after it becomes 15 weeks old.
Puppies must stay at least ten weeks old before being covered under this policy. Most veterinarian offices will require a waiting period of at least four weeks before they will do business with an owner purchasing a new puppy.
Finally, many puppy insurance policies won’t cover any genetic disorders identified by the Orthopedic Foundation for Animals. A group of veterinarians form this organization to evaluate dogs’ medical histories; they issue certifications that classify dogs as being ” Faultless” concerning certain disorders.
However, they cannot guarantee that a particular dog will not have a genetic disease. For this reason, it’s typically a good policy for owners to purchase a policy specifically for genetic disorders.
With all of these options, you’ll be able to take a proactive approach to insurance for your puppy, learn about the different types of insurance available, and determine the best insurance to purchase for your puppy.
Check out these other Pet Insurance articles.