The cost of keeping a dog is quite substantial at the best of times if you work out the total cost over the lifetime of your pet, but these can increase astronomically if your dog requires treatment by a vet for illness or injury. The nature of some illnesses, such as arthritis or diabetes is that they are ongoing and therefore require ongoing treatments. This is when the costs can really start to become very substantial, and when having adequate do insurance in place can make an enormous difference to your finances.
The cost of insurances will vary with certain risk factors, as they do for any type of insurance policy. The greater the increased risk of a claim or the likely increased cost, the higher your premiums will be. This can be affected by all sorts of things. Where you live in the country can be a factor, as the bills from vets will be different in different areas. This is one thing that will be taken into consideration when you are making an application for a policy.
Another factor unique to cover for pets is the breed of dog that you want to insure. Again this is ultimately to do with costs, but the fact is that the companies will know from statistical evidence that certain breeds are on average going to cost more in vet bills over the course of the animal's life. For example, it is known that a lot of the larger breed will be more costly, so you are likely to pay higher premiums if you want cover for a St Bernard, Great Dane, a Wolfhoud or Old English Sheepdog.
The main things that will affect the cost of your cover as they type of policy you choose and what you want to have included in it. Other than this, you can obviously save money by comparing quotes from lots of companies to see who is the most affordable. You will also find that by actually buying your policy online you may be able to save quite a lot too. This is because it is cheaper for the insurer to sell you a policy this way, so they can pass on these savings to you.
The cost of any policy is going to vary with the level and type of cover you require. An annual policy will cover you up to certain limits on each area, such as vet fees, and that cover will stop at the end of the policy year. You can opt for lifetime cover which means your pet will be insured throughout its life, but there will still be a maximum limit. Depending on the policy you have, this could either be a maximum amount for each year, which starts again the next year, or it may be a total amount for the policy. Either way, you can claim up to the maximum then the cover stops.
You need to think carefully about the type of policy that is best for you and your pet. Clearly a gold plated life cover is going to cost more, but then if your dog develops an illness that requires expensive ongoing treatment, you are going to be thanking your lucky stars that you had the cover.
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