Why you should buy pet insurance for your dog now

Dog ownership can be expensive. Food, treats, decorations and other costs add up quickly, leaving many owners scrambling to save. While there are plenty of ways to cut your budget, there’s one thing you shouldn’t skip Pet insurance.

Veterinarian bills are one of the biggest expenses dog owners incur in their pet’s lifetime. And when your dog is sick or injured, the last thing you want to worry about is whether you’ll be able to provide the care they need. Pet insurance By relieving emotional and financial burden Giving you back up to 90% for covered care.

If you’ve been putting off applying for pet insurance, now is the time to do so. Start your pet insurance search by checking prices online now.

Why you should buy pet insurance for your dog now

Now is the best time to get pet insurance for your dog. Here’s why.

It will only get more expensive

yours Pet insurance costs Depending on a number of factors, including your dog’s age, breed and medical history. But one thing is true across the board: you are long Wait to get coverageThe more it will cost you.

Older dogs are more likely to get sick or injured than younger dogs. This makes it risky to insure them, which is reflected in higher premium costs.

“Getting pet insurance is not difficult [for] older animals. However, annual or monthly rates can be many times higher than in a young healthy pet,” Ashley Rossman, DVM, co-owner of Glen Oak Dog & Cat Hospital, said recently. CBS News.

Of course, that doesn’t mean you should skip pet insurance for your senior dog. still Provides many benefits For them. But act early to get the best coverage at the best price available.

Coverage options become limited

Most policies do not cover Predefined conditions, or health problems that existed before you applied for coverage. The longer you wait to get pet insurance, the more likely your dog will develop one of these conditions, which you’ll be forced to pay out of pocket even if you get coverage later.

“Don’t wait until you have a problem to get insurance — get your pet examined when they’re healthy,” says Sarah Gorman, DVM, CCRP, managing veterinarian at Small Door Veterinary. “Once something is in the medical record, it usually excludes coverage for the entire body system!”

Get a free quote in 30 seconds to see how much pet insurance you can get.

If they get sick or injured, it’s too late

It’s easy enough to dismiss pet insurance while your pet is still fairly healthy. But wait until you’re faced with a hefty vet bill will do you no good. By the time you realize you really need coverage, it’s too late to enjoy the full benefits.

Yes, you can still apply for a policy if your pet is sick or injured, but it won’t cover the problems they already have. Also, you still have to fulfill a mandatory waiting time Before coverage begins. So, it is better to secure coverage before taking care of your pet.

“One of the hardest parts of my job is having medical financial conversations,” says Georgina Ushy Phillips, DVM and veterinary writer for NotABully.org. “Of course, it’s even more difficult for clients who are faced with huge decisions regarding their pets and financial situations.

“With pet insurance, more people can avoid those difficult situations and afford necessary treatments and procedures without all the stress. This is especially true for medical emergencies, which can be quite expensive and obviously unplanned.”

Bottom line

If you don’t have Pet insurance for your dog, there is no time like the present to buy it. In fact, now is the perfect time to buy it.

“Costs are increasing for everyone, including pet owners,” Rossman said “Veterinary medical expenses continue to rise at an unprecedented rate… While most Americans can budget for routine veterinary care, it is often difficult to budget for emergency and specialty medications that can cost thousands of dollars. Therefore, it is in the best interest of pet owners to To buy health insurance if the pet is small.”

No matter the age of your pet, it’s not too late to get them covered. You never know what the future holds, and any help you can get to cover their medical bills is worth it.