Posted on June 21, 2010 by: WayCoolDogs

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Once the family puppy or dog has received adequate dog training, it is time to do a dog insurance comparison to prepare in advance for accidents, illnesses, or unprepared for medical events. Dog training is important because a dog who is uncontrollable and continuously runs, bites, attacks or misbehaves is not a good candidate for the best dog insurance or even the cheapest dog insurance. Instead, the dog owner may be subject to dog liability issues by either the state or by the insurance company.

How to do dog insurance comparisons

Types of dog insurance coverage

Check out the different levels of dog insurance and their different coverages – treatments, basic checkups, cancer treatments, or general maintenance.

Dog insurance add ons

Not typically part of the average dog insurance plan,  add ons can involve dental plans or travel insurance, plus chronic conditions.

Processing of dog insurance claims

Make sure when doing dog insurance comparisons to check on claim limitations,  deadlines, payment details, and the filing process.

Dog insurance veterinarian plans

Make sure you can choose the vet you want, as some dog insurance plants will limit your choices.

Dog insurance deductibles

Similar to all insurances, the dog insurance policy has deductibles. Compare different amounts between different companies.

Dog insurance exclusion plans

Exclusive plans for dog insurance plans can include behavior problems or psychological issues, special conditions not included in the original plan, hip dysplasia or anything else that may either limit coverage or exclude it.

Pre-existing conditions for dog insurance policies

Pre-existing conditions for dog insurance policies are defined specifically in the insurance plan, stating whether or not they may raise the price or exclude a particular dog from getting any dog insurance.  If this is so, there are other dog insurance companies that do  cover special conditions for specific health problems of animals.

Options for paying dog insurance payments

What are the payment schedules, monthly rates, co-pays and reimbursement time for claims.

Dog insurance policies for more than one dog

When a dog owner with more than one dog applies for dog insurance, many companies will offer special plans. However, for owners with aggressive dog breeds or high risk dog breeds – there may be a ban on the number of dog owned or living in one place. Some  dog insurance companies will refuse to cover them at all.

Check on dog insurance for an increase on premiums

Insurance companies base their insurance on the health and age of the dog covered, raising premiums as the dog ages or based on the number of health claims that are field.

Aggressive dog insurance

The best time for an aggressive breed of dog to be trained is when they are a young puppy to make sure they are pleasant to be around and follow commands to keep them out of trouble. Otherwise, once a dog insurance policy is canceled because of an aggressive act, most other dog insurance companies will not accept their applications for dog insurance plus the home may be in danger of child endangerment laws.

Cheapest dog insurance

Dog owners who check out a dog insurance comparison usually shops around for the cheapest dog insurance that offers the best buy. Looking for that perfect dog insurance quote or even a specific pet insurance for quote can be usually done online, as there are thousands of pet insurance for dogs that offer cheap dog insurance, or at least something that is very affordable.

Dog health insurance has gotten to the point where it is necessary in a society that has dogs in the majority of homes, with the insurance for dogs not only protecting the dog itself but also the families. However, even though a good dog insurance comparison is necessary to get the best deals, there are some pretty bad dog insurance companies out there. Cheap is not always the best, but if it is a good insurance company and is cheap, go for it.

Dog liability insurance

There are always chances a dog owner will become liable for dog bites and dog inflicted injuries, with dog bites occurring to approximately 5 million Americans annually. Unfortunately, children are attacked with the most serious bites at a cost of $1 billion dollars a year.

Dog owners who do do not have dog insurance will have to pay the losses out of pocket, while dog insurances are available to pay for situations like this. Overall,  renters insurance and homeowners insurance pay approximately $100,000 for victim benefits of dog bites. With about 1/3 of all dog bites claimed by homeowners insurance, the companies are now refusing to pay pay them or cover homes which contain dogs, or refuse to sell insurance to homes with certain breeds, or refuse to pay any dog bite claims.

Even if homeowners’ insurance does cover the home of biting or aggressive dogs, it will be extremely expensive. Finally, home renters and home insurance companies are getting to the point that dog owners’ and their home policies will be required to take the dog to training classes to either modify its behavior, or the dog will be required to be muzzled, caged or chained.

Knowing how to do dog insurance comparisons is worth the time and effort. Money is saved, life becomes more secure, and the family dog is covered for almost anything, depending on the situation. Times are changing drastically, and with summer soon upon us  dog bites  will occur the most often at this time. Heat stroke occurs for many reasons – with every one ending up in the vet”s office or the dog’s death. The list goes on and on, with dog insurance a very much needed coverage for your dog, regardless of the situation.

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MORE CUTE STUFF . . .

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GRANDMOTHER’S CORNER . . .

A grandmother was telling her little granddaughter what her own childhood was like.

“We used to skate outside on a pond I had a swing made from a tire; it hung from a tree in our front yard. We rode our pony. We picked wild raspberries in the woods.”

The little girl was wide-eyed, taking this all in. At last she said, “I sure wish I’d gotten to know you sooner!”

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DAILY TIP FOR DOG CARE

“Basic Dog Care”

• Visit your veterinarian annually for an exam and vaccines.
• Give your dog a heartworm pill once a month, year-round.
• A high quality diet of 80% dry food, supplement with vitamins is recommended.
• Give your dog a treat of a tough, dry biscuit; low-calorie is better for your dog’s tooth hygiene.
• Brush and rinse teeth at least twice a week.
• Clean ears once a week.
• Use dog shampoo for the body and human baby shampoo on the head.
• Control fleas and other external parasites. Check your pet for ticks, and remove them immediately.
• Exercise your dog 3 times a day.
• Start training your puppy at 10 weeks of age. (Animal Hospitals – USA)

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