If you’re considering purchasing a pet insurance plan, we know that the last thing you want to think about with a sick animal is how much the vet costs will set you back whether or not you can afford the necessary care. Finding the right insurance or wellness plan for your pet will not only offer financial peace of mind but emotional too.
Breed-Specific Health Risks
If you’re wondering whether or not pet insurance is worth it, or what insurance to get, you should consider your pet’s breed. There are a lot of different breeds out there, and many of them come along with different health risks.
Small dogs are common for developing vertebrae issues, knee cap issues, pancreatitis, and more, but they can change from breed to breed. For example, pugs have a very high risk of developing hip dysplasia, which is usually more common in larger breeds. This can cost pet owners between $1,700 to $5,000 to treat.
French bulldogs are more susceptible to hemivertebrae. This is a spinal deformity that causes the angle of the spine to develop a wedge shape. If your Frenchie develops this, it will almost always require imaging and surgery. Which can be extremely pricey.
Large dogs will usually experience different issues, most commonly arthritis or certain heart conditions, such as dilated cardiomyopathy. This is when the heart becomes weak and can long longer pump blood throughout the body properly.
Giant dogs like a Bullmastiff, are known to develop hypothyroidism. This is a clinical condition resulting in lethargy, mental dullness, unexplained weight gain, hair loss, excessive scaling, and recurring skin infection.
Your dog’s breed is very important to take into consideration when choosing the right dog insurance. Knowing what is common in your dog’s breed and what is likely to come up, can prepare you, offering peace of mind. The Orthopedic Foundation For Animals is a great resource for searching specific breeds.
House Pet vs. Adventure Pet
Still unsure? Think about what your pet loves to do and the risks involved. Accidents and illnesses can occur, but having a gauge of daily routine and activities can help narrow it down. Do you go on hikes, swimming, camping, visit the dog park, and basically bring your dog with you everywhere with you? This leaves a lot more opportunity for injury than if your dog stays home and in the backyard 90% of the time. You can never foresee an incident at the dog park, getting stung by a bee, falling on a hike, or ingesting something they should not have.
Pet Wellness Plans vs Insurance Plans
If you have decided to take the plunge into pet insurance you’re in good company! Pet health insurance has been increasing at an average annual growth rate of 22.1 percent over the past 5 years. Over 2.82 million pets were insured at the end of 2019.
Now comes the choice of which insurance plan to purchase. Plans are designed from covering routine care and blood tests to accident-only plans and in-between. There are a lot of options in the pet insurance space, and it is definitely worth doing some shopping around to find the right plan for you and your furry friend.
Pet Insurance Plans
Pet insurance is the best way to protect your wallets from the costs that come from unexpected injuries or illnesses. With Wagmo’s pet insurance plan we cover 100% of costs after your deductible.
This includes care such as:
- Prescription medications
- Emergency visits
- Hospital stays
- CT scans
- Laboratory tests
- Cancer treatment
- Hereditary and congenital conditions
- Prosthetics and orthopedics
- Hip dysplasia
- End of life care (euthanasia)
- Pet ambulance
We work with pet parents to help them find the perfect plan, and the perfect payment plan, for their pet. One plan, three different ways to pay. Get in touch with us and we can help shape your perfect plan, you can even mix and match with our pet wellness plans.
Pet Wellness Plans
Wagmo wellness plans reimburse you for the routine veterinary care and preventative care you do for your pets annually. Don’t worry about bringing your animal to the vet if you sense something is off, in-home care is also covered! If you live in a more rural area and know your dog will experience fleas and ticks, get coverage for their seasonal medication. You can also keep them squeaky clean with our grooming and dental care options.
This includes things like:
- Office visits and checkups
- Routine blood work
- Fecal tests
- Flea/Tick/Heartworm care
- Dental care
We offer three different wellness plans based on your pet’s needs and to help you get the most for your money. Once you sign up for our wellness plan, your coverage starts immediately! You can of course pair a wellness plan with an insurance plan. You always have the option of adding the wellness plan to your coverage, now or in the future.
Is Pet Insurance Worth It?
Yes! At the end of the day, you will never be able to predict whether or not your pet will experience an emergency illness or injury in its lifetime. With the cost of vet bills, it is better safe than sorry. Pet care costs can be extremely expensive, tearing into the pet owner’s pocket. Annual or monthly deductibles can be the changing factor for you to feel comfortable getting your pet the care they need.
If you’re anything like us, your animal is your best friend and deserves the longest, healthiest life we can offer them. Pet insurance makes sense from a risk perspective, and it can give you peace of mind.
Take our online quiz and get your Wagmo quote today. If you’re still unsure, get in touch, we are happy to help.