Reading Time: 4 mins
Dog insurance can be confusing. If you are acquiring a dog for the first time you need to find out which dog insurance is right for you. Even if you’ve owned dogs for a while you may want to obtain an insurance policy for a new type of insurance. Dog health insurance is relatively new insurance and many dog owners are taking a policy to avoid excessive veterinarian bills when their dog becomes sick or is involved in an accident.
When you start your research on which dog insurance is right for you and your family it is best to start with the most important type of dog insurance, that is, dog liability insurance. For most dog owners this is essential insurance that you can’t be without. You need to factor it in as part of the cost of owning a dog. The reason most people view this type of insurance that vital is because without it you could be risking all your finances and assets. It seems unlikely that your dog would bite anyone but when it happens and you are totally surprised and partly in shock, you will then be extremely relieved to have liability insurance. Dog liability is usually covered under dog homeowners insurance. However, there are a number of exceptions in most policies so it is imperative that you double-check your policy to ensure your dog is covered. Most insurance providers have a dangerous dog list that covers liability coverage for certain breeds of dogs. If your dog is a homeowner’s insurance then you need to look for an alternative policy such as umbrella insurance or canine liability insurance.
Once you’ve dealt with dog liability insurance it is really a very personal decision with regard to the other types of dog insurance. If you want to know which dog insurance suits you best it is wise to start considering what you would do in certain situations if they were to arise. For many dog owners, the idea of putting their dog down due to an illness or injury is not possible if there is medical treatment available. If your dog is in a serious accident such as being run over by a car or acquires a debilitating disease you need to consider whether you are prepared to spend literally thousands of dollars to keep your dog alive and well. Many dog owners will spend whatever it takes to do the best for their pets. However, if you would like to be in this position but you know you simply won’t have the option of spending thousands you should give very serious consideration to dog health insurance. Dog health insurance won’t cover every dollar of the veterinary bills but it can go a long way towards covering them. When you are researching which dog insurance cover is best, remember policies vary so choose one that suits your needs and your budget.
Again, dog dental insurance is a personal decision. Does your breed of dog get a lot of teeth problems? Are you prepared to learn to clean your dog’s teeth yourself and do it regularly to avoid problems, or would you prefer to pay someone to clean your dog’s teeth? These are very real options that can make a difference in deciding which dog insurance to obtain.
If you are a dog professional working with dogs either grooming them, walking them or training them you will, of course, require liability insurance just like any other business. The only difference here is the necessity to make sure you are covered no matter what breed or age of dog you are dealing with. It is not really a matter of asking yourself, “which dog insurance”, but rather just making sure you have adequate insurance in place before you start your business.
If you are a dog breeder you would be wise to investigate which dog insurance policies are suitable for your circumstances. Some breeders do not rely on their dogs for their primary income, others do. Obviously dog life insurance should be considered if you are a dog breeder. Similarly, dog health insurance will probably be important to you, especially if the policy covers pregnancy for your dogs.
If you show your dogs you will want to know which dog insurance policies cover your dogs for travel. Dog travel insurance will usually need to come within a dog health insurance policy so make sure your dog health insurance covers your travel plans adequately. If you have show dogs you may also be interested in dog life insurance.