Adopting a puppy? Keep This Thing in Mind When Buying Pet Insurance


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When my family decided to adopt a dog a few years ago, I was pretty adamant from the start that I didn’t want a puppy. It’s not that puppies aren’t incredibly cute. Is that they need a plot hard work and a lot of patience. And after potty training three kids, I wasn’t quite up to it to repeat the process with the dog.

Also, when you adopt a puppy, you can’t really be sure what type of dog you are adopting. It can easily take a year or more for a dog’s full personality to develop, and with young children in the mix, I wanted to focus on fostering a slightly older dog.

Yet, I know many 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 you’re aware and committed to the work involved.

But if you’re considering adopting a puppy, it’s important to be very careful about the pet insurance policy you purchase. Making the wrong choice could set you up for expensive pet care bills.

Pay attention to the lifetime maximums

Pet insurance does not work exactly the same way as human health insurance. And a big distinction is that pet insurance policies often impose lifetime coverage limits – either general limits or limits tied to a specific condition. If you’re bringing home a young dog, this is something you need to be aware of, because you don’t want to end up with a policy whose lifespan you limit soon enough – not for a dog that might end up being with you for 12, 13, 14 or more years.

You will also want to consider the extent of coverage you are entitled to. Health issues can start very early in dogs, but sometimes they don’t show up until dogs get a bit older and become adults. Larger breeds, for example, may have joint problems from having to support a giant body on small legs. It’s the kind of problem that may not be obvious as a puppy, but comes to light later. So it’s a good idea to get pet insurance with a decent level of coverage overall.

do not wait

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

Additionally, dogs of any age can get sick or injured. Your pup could drink contaminated water on a walk and end up with a parasite that needs treatment. And this is just one example. Rather than taking risks with a new dog, make sure you’re financially covered by getting pet insurance right away.

At the same time, definitely fill up your savings account before introducing a puppy into the mix. Another quirk of pet insurance is that you will often have to pay for your pet’s medical services yourself and then wait to be reimbursed. It is therefore important to have cash to cover these costs until your insurer reimburses you.

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