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Caissie Canine Instruction: Pet Insurance, is it worth it?

We begin this week’s “RUFF TAILS” featuring a beautiful Husky/Shepherd mix named Blue.

Blue is a smart, calm, 14-week-old puppy!!! He is a rescue from Northern Ontario and is quickly adjusting to a house with 5 cats. He had a puppy training session with Paul and is coming along nicely. He is food and ball motivated which makes training easier.

He is fascinated by water and has ventured into our pool landing, but not quite ready to attempt to swim. We are excited about our new puppy and look forward to seeing him grow into a well-trained, calm dog.

Welcome to Doggie Dialogue

Some of our clients’ love having pet insurance and other clients do not wish to have pet insurance. It’s a personal choice.

The number #1 reason dog owners get pet insurance is because it could save your dog’s life if the cost of “life-saving treatment” exceeds what you can afford to pay out of pocket at the time of the emergency.

For example, a K9 that needs ligament repair could cost up to $3000.00 per knee, a foreign object in the stomach could be $3500.00 PLUS, or a broken bone $2,250 and upward, or worse if your K9 gets cancer it could be close to $10,000.

However, pet insurance isn’t just for lifesaving scenarios, it allows you different options to seek out different kinds of care. Options like, operations that improve your dog’s quality of life or vet-recommended physio or behavioural therapies.

Pet insurance gives you peace of mind and allows you to pay smaller guaranteed sums of money instead of an unexpected financial shock should your K9 need urgent medical attention.

When you invest in pet insurance, as your K9 ages and veterinary costs rise, so will your premiums. (Monthly rate)

Pet insurance is the cheapest for puppies, as your insurance company will not cover pre-existing K9 health conditions, especially if you have adopted an older K9. The younger your K9 is when you get insurance, the more health conditions will be covered for their whole life.

If pet insurance isn’t for you, then you can consider a pet saving account that lets you set aside a little bit of money every month for your K9. It will help to pay for your K9’s regular vet visits, bloodwork, and healthcare needs.

Remember getting pet insurance is a personal choice and you must do your due diligence regarding which insurance company would be a good fit, read the fine print and reviews, look at the comparison charts between companies, and always consider your family finances, before making your final decision.

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