Adopting a Puppy? Keep This One Thing in Mind When Buying Pet Insurance – The Motley FoolAdopting a Puppy? Keep This One Thing in Mind When Buying Pet Insurance – The Motley Fool

Implementing a Pup? Keep This particular Something in Mind Whenever Buying Dog Insurance

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A woman sitting in a sunny park with a dog.

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Puppies are a lot of work. But that’s not the particular only thing you need to know.


Key points

  • It’s important to buy pet insurance, no matter the age of your own pet.
  • If you are getting a puppy, there’s one detail you’ll really want in order to pay attention to.

When my family set out to adopt the dog a couple of years ago, I was pretty adamant from the start that I didn’t want a puppy. It’s not that puppies aren’t unbelievably cute. It’s that they require a lot of work and a lot of patience. And after having potty-trained three children, I wasn’t actually up to the task of repeating the process with the dog.

Plus, when you adopt a puppy, you can’t really be sure what type associated with dog you’re getting. It can easily take the year or even more for a dog’s complete personality to develop, and along with young kids inside the mix, I wanted to focus on welcoming a slightly older canine.

Still, We know plenty of people who would love nothing more than to adopt a puppy. And if you’re one of them, there’s nothing wrong with that provided most likely aware associated with and committed to the work involved.

But if you’re going to adopt a puppy, it’s essential to end up being really careful about the particular pet insurance coverage policy you buy. Making the wrong choice could leave you on the hook for costly pet care bills down the line.

Pay attention to lifetime maximums

Family pet insurance doesn’t work the exact same way as human health insurance policy. And one big distinction is that pet insurance policies often impose lifetime coverage limits — either general limits or limits as they relate to a specific condition. If you’re bringing home a young dog, that’s something a person must be aware of, because you don’t want to get stuck with the policy whose lifetime limit you max out fairly early upon — not for a dog who might end up being with you for 12, 13, 14 years or more.

You’ll also want to look at the scope of coverage you aren’t entitled in order to. Health issues can arise early on along with dogs, but sometimes, they don’t pop up until dogs get a little bit older and become full-grown. Larger breeds, with regard to example, can have joint issues that arise due to having to support a giant body on little legs. That’s the sort associated with issue that will may not be obvious as a puppy, yet comes in order to light later. So it’s the good idea to purchase pet insurance plan with a decent level of coverage on a whole.

Don’t wait

You might assume a person don’t need pet insurance the moment you bring home the puppy. Yet you never know when a health issue might arise, so it’s best to put that protection in place right away.

Also, dogs of any age have the potential to get sick or injured. Your puppy could drink contaminated water on a walk and wind up with a parasite that requires treatment. And that’s just one example. Rather than take chances with a new dog, make sure you’re covered financially by getting dog insurance immediately.

At the particular same time, definitely pad your savings account before bringing a puppy into the mix. One other quirk about pet insurance is that you’ll often have to pay for medical services for your animal yourself and then wait around to get reimbursed. Therefore it is important to have cash on hand to cover those costs until your own insurer pays you back.

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