Every day individuals are faced with the rising cost of health care and the worries that go along with it if you don’t have health insurance to cover those costs in the event of an illness or injury. The same is true for our pets.
Veterinary care for animals can be expensive and particularly so if a procedure or operation is needed for a medical condition or an injury.
There is no crystal ball to let a groomer or an owner know that a dog will become ill or injured at some point and pet owners can suddenly be confronted with unexpected veterinary expenses that can be very costly. If a pet owner does not have the means or ability to handle the expense they are then faced with very difficult and heart wrenching decisions about how to handle their pet’s future.
The importance of this subject is no less so when it comes to dog groomers insurance. Dog groomers in particular should consider an insurance policy an integral part of their business planning and management.
Dog Grooming Insurance
Insurance for dog groomers is a must-have when setting up in business.
When a pet owner takes their dog to be groomed they are putting the personal care and protection of their cherished pet into the hands of the dog groomer. In the event of an accident where the dog may be hurt, injured, or lost while in the care of the groomer, or perhaps a dog being groomed bites a customer, the groomer’s business may then be at risk. In today’s society, where lawsuits are commonplace, a dog grooming business should have liability insurance to ensure their business is protected in the event of an unforeseen incident.
Policies can be tailored to meet the individual needs of the dog groomer with different types of optional coverages obtained or added to a dog groomer insurance policy such as public liability, personal accident coverage, or liability to animals. It is essential for a dog groomer to carry that protection and have the peace of mind knowing that if an unfortunate incident occurred their livelihood is protected.
Pet Industry Insurance Coverage
Pet Insurance for Owners
Dog insurance for owners is a smart choice and can provide great peace of mind. Keeping your pet healthy and knowing that your pet can receive the best treatment and health care when needed, especially in the case of a serious illness, will be a tremendous comfort.
Health Insurance for Dogs
Health insurance for dogs is designed in a similar manner to that of health insurance for individuals. You can receive coverage for routine veterinary care visits including shots, blood work and tests as well as coverage for more extensive care related to illnesses and accidents such as hospitalization, surgeries and other treatments, visits to specialized vet offices, and prescriptions.
There may also be different types of covered expenses that are either included in the policy or can be added to a pet’s insurance policy for an additional fee.
It is definitely best to comparison-shop when looking for dog insurance to find a policy that will meet your needs and provide you with the best health insurance coverage for your dog.
Deciding Which is the Best Dog Insurance for You
Some things to consider when selecting a policy which will have an affect on the cost of insurance include the following:
- the age of your pet
- how extensive you want the coverage to be.
It may be extremely difficult to find insurance for an older dog. Talking to your vet’s office may also be a good start to finding a suitable policy. Also be sure that your particular breed of dog is covered and know if there are any exclusions. Certain breeds are prone to certain types of medical conditions which may be a factor when looking for the best dog insurance.
Pet Insurance Comparison
Please note that all figures are listed as generic, possible ranges and are subject to change so you need to verify if the following is typical and/or offered by the company that you select.
Pet Insurance policies, in Australia, typically list figures similar to these:
- Cover Types include: Accident only or Accident & Illness. Some offer Major Medical coverage.
- Benefits Amount per annum: Range up to $7,000 or $8,000 for accident and up to $11,000, $12,000 or $15,000 for accident & illness
- Eligibility: Many companies list 8 weeks and older for accident only or 8 weeks to 9 years for accident & illness
- Waiting period: Often none for accidents; after 30 days for illness; 6 months for listed conditions such as cruciate ligament conditions.
- Percent of Vet bill covered: In the range of 75% to 85% depending on the company and the option selected
- Excess payment: None for some, other companies quoted $0 or $100 or $200 per annum for each unrelated condition
- Optional Benefits: such as Wellness/Routine care
- Renewable: Many offer lifetime with no break in coverage
- Multi-pet discount: Many offer discounts which ranged in the vicinity of 5%, 10% and 15%, depending on the company.
Australian Pet Insurance Comparison
You can check the following links to see examples of what some companies are offering by way of Pet Insurance Coverage:
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