Insurance is all-pervasive; making us pay today for contingencies of the morrow that may never come. Pets are always a concern, especially the exotic ones of the moneyed pet lovers. Since medical bills for pets are unavoidable, be they for spaying a female, neutering a male, vaccination, treatment for ticks, or any illness, it makes sense to have an insurance policy that can help you tide over the costs of treating your pet. Whether at the vet or with the insurer, as a pet owner you should ask questions about all the treatment options available and the costs of each. Routine care can be a major cost factor; however awareness of required routine care is a help. For example, you don’t need to vaccinate dogs every year although most vets recommend that. You can safely give your dog most vaccine shots once every three years.

The cost of an insurance premium for your dog will usually come to $40-$50 per month in the United States, which will work out to $5k-6k over a span of 11 years, which is the normal life expectancy for a dog in the United States. Policies will usually cover illnesses, accidents, and some will also cover routine care costs. You should compare payouts, benefits, co-payments, and deductibles amongst the host of insurance companies available before you select one for your pet. The usual payout is 80% of the cost. You can compare insurance companies online. You can always ask your insurer for a discount if you have more than one pet. It helps to get your pup insured as early as possible, insurance companies exclude pre-conditions from the insurance plan.

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