You’ve probably seen the ads for Pet Health Insurance on TV, online or in magazines. But did you ever give it any serious consideration?

Pet Insurance for Emergencies: The protection that pet insurance provides against medical expenses from accidents, emergencies, illnesses, and other unforeseen occurrences is definitely one of the most important benefits of insuring your dachshund puppy. As you may unfortunately know, visits to the veterinary emergency room can easily cost you hundreds or even thousands of dollars, leaving you in a financial bind.

That is why it is so important to insure your pet. A good health insurance policy is one that covers surgeries, hospitalization, x-rays, lab tests and fees, chemotherapy, and prescription drugs. Having such a plan in place will save you a significant amount of money if an emergency arises in your beloved dachshund puppy. As with most insurance plans, 100% of emergency medical expenses are not covered, but there are policies out there that reimburse at a rate of 80% or more. Just do your research to find the best insurance coverage and plan for your pet.

Pet Insurance for Routine Checkups: Another very important and helpful benefit of pet health insurance for your dachshund puppy is coverage of routine checkups and preventive procedures. As you will find, many pet insurance providers offer this type of coverage in the form of ‘wellness plans.’ Wellness plans are great because they are often available as stand-alone policies for pet owners who would like some insurance, but are not quite willing to commit to one of the more comprehensive policies. Wellness plans may include provisions for yearly physicals, shots and vaccinations, dental exams, and blood screens, and some even cover treatments for flea and tick control. These types of plans are very beneficial and help your dachshund puppy lead a longer and healthier life.

However… Before you go signing up for the largest excess amount you can so you can save money on your regular payments, think for a moment.

One of the main reasons people purchase pet insurance is so they can be sure that they’re going to have the money available should their pet need it in case of illness and emergency. If you agree to an excess of, say, 250 / $300 – can you be sure you’ll have that amount every time at very short notice? Because if you can’t, then you won’t be able to pay the excess, and that means your insurance company won’t pay the vet bills.

How many times have we read about people turning in their loved pet to a shelter. Not because they were unwanted but because these people could not afford medical care for their pet. This is a very tragic situation, for both the pet and their humans. And it is a situation that, by being prepared, can be completely avoided.

At first you may feel that it is not worth the cost of monthly payments to insure your pet. However, once faced with a situation like that above it may be too late. It is less expensive too if you insure your pet when he is younger. Just like we humans, the older we get the more expensive insurance can get. By purchasing your plan when your dog or cat is young you will save a lot of money and worry over the years.

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