Which Pets Need Pet Insurance the Most?

Monday, April 20, 2015


cost-of-pet-insurancePet health insurance helps protect you from rising veterinary costs, while providing your dog or cat with the very best medical care. Pet insurance is a smart decision for all pets in general, but for these pets in particular, it should be considered an absolute must:

  • Breeds with hereditary conditions: Some pedigree breeds are more likely to develop congenital or hereditary conditions like weak joints or hip dysplasia. These include some of the dogs that families love the most such as Labradors and Golden Retrievers. Good insurance policies cover the medication and surgery they may need.
  • Pets with a family history of serious illness: If you have a pet with a family history of cancer, joint problems or other serious medical condition, it’s wise to protect it with insurance.
  • Adopted stray pets: If you have adopted a stray dog or cat whose history is unknown to you, pet insurance is a good idea. While a veterinarian can tell its age, its current health condition and whether it has suffered bone fractures, your vet can’t tell you its genetic heritage.
  • Outdoor pets: If your pet spends most of its time outdoors, it is much more likely to pick up diseases or parasites.
  • Overactive pets: If your pet is especially lively and wild during games and walks, the chance of an accident occurring is high. Accident insurance is usually the cheapest component of pet insurance, because accidents are less likely than illness.
  • Older pets: Pets with many years behind them are likely to suffer from a wide variety of illnesses. If an older pet becomes ill, pet insurance could mean the difference between a life-saving procedure and putting your pet down prematurely. Note that your premiums will be higher if your pet is above eight years old, and medical records may be required.
  • Pets who love to chew: If your pet loves chewing on everything, she may swallow something that would have to be removed surgically.

Whether your pet is in a high-risk category or not, if the idea of your beloved friend falling ill makes you feel ill, pet insurance is a smart, simple way to put your mind at ease.

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Editor’s Note: This post was originally published on June 5, 2014 and has been updated for relevancy and accuracy.