Pet Insurance for Dogs? That is a Tough Question
16 August, 2011

I know that a lot of dog owners are ambivalent about whether they should purchase pet insurance for their dog (s). I am not mentioning cats in my article as they tend to be less expensive and for the most part don’t suffer from what could be very expensive medical bills.

When you first get a dog or puppy, you will probably be told by several people that you need to buy pet insurance. However you may not be at all clear as to exactly why you need it, especially if you haven’t owned a dog before and probably didn’t even know that pet insurance existed. The cost varies with the type of dog and age, and similar to car insurance, you should price them out and determine what is applicable to your dogs needs.


If there is one reason for having pet insurance that you had already thought of, it is probably health insurance. That is, insurance to cover your vet’s bills if your dog is sick, or injured in an accident. It’s most unlikely that your dog will go through his whole life without a single disease or injury, and nowadays just one treatment can cost a lot of money. Dog pet insurance policies vary enormously as to what levels of coverage they provide so you need to compare them carefully and see what best meets your needs.

You should also consider the breed of the dog or puppy that you own. For example, Labradors tend to have problems with their legs and in many cases, need surgery later in life. Talk to other pet owners or breeders to see if they have any thoughts or ideas whether it is mindful to purchase insurance for your particular breed.

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There are some other reasons to purchase pet insurance. For instance, if your dog runs out on the road and causes a car accident, you will need insurance to cover you for legal advice and compensation payment. You are responsible for what your dog does, so the other party will sue you. If a serious injury is involved, the compensation could be huge.

If you dog bites someone, such as the post man or even a neighbor, pet insurance can help prevent the medical bills that can be caused by this. This would also apply to other dogs at the dog park.

If you have some sort of aliment and need to be hospitalized and there is no one to care for your dog, your dog pet insurance can pay for boarding kennels (if you have a policy that specifically includes this). This can even apply to the costs of your having to cancel a trip due to your dog’s illness or injury. The policy usually covers the cost of cancelling your holiday.

If your dog is hard to control, is disobedient or has other behavior problems, a pet insurance policy can pay for advice and help from a dog training expert or a dog behavior therapist.

Of course, many of these things may never happen – and you certainly hope they won’t. However, it is a good idea to consider how you would cope if any of these things did actually happen. There are a number of good reasons for having dog pet insurance, but the most important one of all is – peace of mind.

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