Dog Insurance Why is it important

As the owner of a perfectly healthy puppy or dog, you might wonder how important dog insurance really is when they have not been sick all year. The answer varies.

The Obvious Benefits:

  • Vet Fees
The most obvious reason is that yes,  dog insurance will help you meet the cost of vet fees in case your dog is accidentally injured, depending on the type of insurance you have. Many costs are small, such as treating minor physical injuries, but the life-long cost of treating conditions like diabetes, mange or even identify illnesses like ringworm can become quite expensive.
Having dog insurance keeps those unexpected moments under control, with things like x-rays, blood tests, and surgeries highly unaffordable.  But most dog insurance programs will not help with general health issues.
  • Compensation
In the unfortunate event your dog dies from an accident or becomes extremely ill with a fatal disease, many insurance policies will offer some sort of monetary compensation. As we all know, this is unlikely to be much comfort with your immediate feelings of loss, but it does mean that you’ll be able to afford to pay the vet bills or save it back to purchase another friend down the road when you feel up to it. This is particularly useful if your dog is a family
pet and you have children.
The Other Benefits:
  • Liability
 If your dog causes damage to someone else’s person or property either directly or by running into the road and causes a traffic accident, then you could be held liable to pay compensation.
This can become very expensive depending on the accident involved – sometimes spiralling into hundreds or thousands of dollars. Dog insurance policies can include public liability cover, making sure that the actions of your four-legged friend don’t accidentally saddle you with a massive medical bill.

Lost dogs

Aside from paying out of pocket if your dog becomes permanently missing, there are some pet insurance policies that will help pay for you to advertise your missing pet – as well as to provide a reward to anyone who helps bring you back together.

Cancelled holidays

Accidents and animals have little regard for what’s convenient in life, nonchalantly meandering through whatever is next. If you have a holiday booked in advance but find that you won’t be able to make it because of an accident, illness or injury your dog has suffered, then insurance can offer compensation for any lost money (if not another opportunity of a holiday…)

Kennel fees

Of course your dog isn’t the only one who might get hurt! In the event that you’re hospitalised for more than a couple of days, you’ll need to make some kind of provision for your dog’s care. Dog insurance will pay for your pooch to be well-looked after until you recover enough to return home.


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