When it comes to pet insurance, there are many variations to consider. You may wish to apply for minimal coverage or find something that covers extreme emergencies or long-term care. There are several questions that may be asked when you apply for your new policy. Common considerations include the age of your pet, pre-existing conditions, and the breed. Different breeds of dogs are prone to specific health issues, making this an important factor when it comes to coverage amounts.
Coverage and Fees
You may have to disclose the breed of your dog to get the amount of coverage that you prefer. The breed can help your insurance provider offer specific coverage for common health issues such as cancer, skin irritation, and heart complications. Some of these illnesses require long-term care and medication. The insurance company likes to know how much money it may be paying out. This helps them to know what to charge you for the policy. They may also eliminate coverage for certain ailments to keep your costs down.
When your insurance policy is drawn up, your specific breed is not the only thing considered. Your dog may be considered a part of a larger group stereotype. The size of your dog is also a determining factor when it comes to coverage or expected health issues. Small breeds are known to live longer than larger breeds, for example. Therefore, there may be more coverage necessary for senior medications or ailments.
When considering things like Cavalier King Charles Spaniel pet insurance, your insurance company may be aware of common heart issues, cataracts, and luxating patella. Most small breeds are full-breed dogs that come with genetic disorders from limited breeding pools. This makes the possible health issues highly likely. Your insurance company may be accepting of less expensive health issues, offering full-coverage at a higher cost. You may also be able to exclude coverage for things that your dog is not likely to get, allowing for more coverage of possible ailments.
Large breed dogs are also prone to some common issues. Surgery may be more expensive due to the size of the dog. Anaesthesia alone is going to be given in higher doses. Insurance coverage is often adjusted to cover these increased costs. There are some issues that affect large dogs more prominently. Hip and joint issues can happen in small breeds but are much more common in dogs with longer limbs. Large dogs also but more weight on their joints. Early care and diet can help protect your large breed dog from these problems. Take advantage of coverage that helps with annual care visits or more frequent puppy care.
When you are thinking about a new pet insurance policy, you may need to think about what you are willing to pay. Your premiums may be lower if you exclude some common ailments known to affect your dog’s breed. You can still use your annual exam coverage to have your dog screened and find out about preventive care for these problems. You just must pay out of pocket if they occur. When your insurance company is aware of the breed of your dog, they can work to tailor your policy to cover your dog’s specific needs.