YOU ASK:

Is there such thing as dog life insurance?

WE ANSWER:

Yes, there is. Dogs are considered a valuable member of the family and dog life insurance was created to answer for the needs of a bereaved family when the beloved dog dies.

For one, it enables the family to immediately buy a replacement, especially when the children find it hard to deal with the loss of a pet.

Dog Life Insurance Specifics

Dog life insurance usually pays you the cost (based on the determined market value) of the dog when it dies. There are also dog life insurance products that pay for the original purchase price. In addition, dog life insurance also provide for end-of-life expenses, which includes:

  • burial or cremation expenses
  • euthanasia for your dog because of a major injury or a terminal illness
  • expenses for the funeral service
  • bereavement counseling

Dog life insurance may also cover for medical and veterinarian expenses needed to treat your dog because of an accident, an emergency or a terminal illness. Illnesses that are usually covered include digestive, respiratory and cardiovascular problems, as well as cancer.

Some benefits of dog life insurance also involve co-payments and deductibles that you will have to shoulder. There are also hereditary and pre-existing conditions that may be excluded. The insurance company may also look into the dog's behavior and age to help them decide whether to provide life insurance coverage to your dog or not. Premiums are computed based on your dog's breed and health condition. It will also look at your dog's expected lifespan.

Some dog life insurance policies are bundled with other dog insurance coverage, such as dog health insurance and dog bite insurance.

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