Posted By Nancy Houser on June 20, 2009

Routine care coverage for dogs involve regular check-ups at least twice a year. Unfortunately, optimal routine care for the dogs through the majority of pet or dog health insurance programs is typically not offered to the policyholders, unless through a special  “rider” or “add-on” at higher rates. Regular visits  to the vet that include regular health check-ups, routine care, vaccinations, and worming schedules are considered by all dog owners to be mandatory to help pets live a longer and healthier life. They provide for early detections of diseases and illnesses,  allowing for the provision of early treatments to save lives through routine care coverage.

ROUTINE CARE COVERAGE FOR DOGS AND PETS

Routine care coverage for dogs and pets consist of those things which benefit their health on an annual basis:

• Check-ups on an annual basis

• Routine vaccinations

• Routine worming

• Prophylactic teeth cleaning

• Spaying & neutering

PET AND DOG HEALTH INSURANCE VS. ROUTINE CARE COVERAGE

Before making a decision about which type of policy to purchase from a pet health insurance company, questions should to be answered first. If something bad were to happen to your dog–getting ran over, a  fight, a serious illness, or a deadly disease–do you want a policy which would cover just routine care coverage, a policy which will cover a medical emergency only, or both?  The decision that you make will make a difference on how much the pet health insurance or particular dog health insurance policy will cost you out of pocket.

The more things that are covered, the higher the premium will be. Keeping things at a minimum, such as insuring only the emergencies or unexpected which can cost into the thousands with no warnings. “What exactly is the correct amount of pet or dog health insurance to get?” is never an easy decision to make, and the decision will influence the type of company you will purchase your pet health insurance from and what you will pay in premiums–you get what you pay for.

Obviously, the decision will be an individual-decision based on personal income levels, budgets, the needs of the dog, individual priorities, and what you consider to be insurable events. Every time your pet insurance or dog health insurance pays for routine care things that a person normally can pay out of their pocket, it will become much more expensive for everyone concerned.

INSURABLE EVENTS FOR HEALTH OF THE DOG AND PET

Regular routine visits to the veterinarian are not considered “insurable events.” We buy pet and dog health insurance to protect ourselves and our pets or dogs from things we really do not want to happen, are most unlikely to happen, or if it does happen–it will come unexpectedly and will be very expensive. Meanwhile, routine visits to the vet are things we want to happen, are likely to happen repeatedly, are not unexpected, and are not expensive as compared to an unexpected major surgery or a major illness for the pet.

This is also why pre-existing conditions are not covered–we already knew about them before purchasing a pet health insurance policy or are part of our routine maintenance for our dog or pet, therefore they are not an unexpected event.  Routine care coverage for dogs or pets is never considered an emergency, or an insurable event, which is why almost all pet or dog health insurance companies do not cover them.

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• New Research on Health of Pet Owners Due to Their Pets

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This post is filed in: As the Kennel Turns, Dog Health Problems | Tags: dog health, dog health insurance, dog health problems, dog optimal care, Dogs & Health, optimal care for dogs, pet health, pet health insurance, pet health problems, routine care coverage for dogs, routine care coverage for pets
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