Cocker Spaniel is a lovable and friendly dog that brings a lot of joy into an owner’s life. Adorable, intelligent, playful, and kind words go perfectly with a cocker spaniel. Because of their gentle and loving nature, cocker spaniels make the best family dog breed.
Since taking care of this dog is no joke, you need a lifeline to keep your precious fur buddy healthy. If you own one, you probably understand that caring for this beautiful dog breed takes a lot of responsibility.
First off, cocker spaniels are one of the more expensive dog breeds you can purchase. And that is when you will need to avail yourself of pet insurance for cocker spaniel.
Adult Puppies or little ones both can be affected by an illness or an injury so it is your duty as a dog owner to prepare for health encounters. In this article, we will cover everything you need to about Cocker Spaniel pet insurance.
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Why Do You Need Pet Insurance for Cocker Spaniel?
Similar to any pure breed, cocker spaniels are more prone to genetic health issues. Their condition may vary among their age. So regardless of whether you start taking care of a puppy cocker spaniel or adopt a fully-grown one, their risk of getting sick will still not change. Once they experience any of their common health issues, you have to prepare yourself to spend more if you want to help your dog recover.
One of the most high-risk conditions every cocker spaniel may experience is entropion and keratoconjunctivitis sicca or dry eyes. Both of these optical conditions may cost you $200 to $1,500 for diagnosis and treatment. But aside from these, cocker spaniels are also at risk of having hip dysplasia and patellar luxation, which affects their hip bones and muscles.
Though these two are way less risky than the first mentioned, they are more expensive. Once your dog experiences these conditions, you may need to pay around $1,500 to $6,000 to treat them.
Cocker spaniels are also prone to ear infections. It’s important treating Cocker Spaniel’s ear infection in the right way, It will be very risky for your dog.
Every cocker spaniel owner should be responsible for providing medical help. No matter how expensive it may get, keeping your pet active and healthy is part of your priority as a pet owner. To lessen your worries, availing of pet insurance for cocker spaniel is the best solution.
A black Cocker Spaniel with pet insurance
A dog insurance policy covers both accidents and illnesses at an affordable premium rate. Most of these policies only offer around $40 to $58 a month. With that amount, you can ensure your beloved pet will receive all the medical assistance it needs. But the coverages may vary depending on the type of cocker spaniel insurance policy you will avail.
Different Types of Pet Insurance for Cocker Spaniel
There are four different types of cocker spaniel pet insurance policies you can avail yourself. These are accident only, lifetime policy, maximum benefit, and time-limited. With these options, you can decide which one will be the best based on your situation and dog’s condition. Let’s go over each of them.
1. Accident only
This is the cheapest pet insurance you can buy. As its name implies, it only covers accidents such as poisoning, foreign body ingestion, cuts, lacerations, or getting hit by a car, and not natural illnesses that require medical conditions.
2. Lifetime policy
If you want to cover any conditions your pet may experience over time, availing of a lifetime policy is a more convenient option. You can renew it every year to start anew with the coverage of the policy.
3. Maximum benefits
There will be a limit set on the amount of the premium you have to pay, and it only covers certain conditions. If you decide to claim and use the maximum amount you have paid for that condition, your pet will no longer be covered.
4. Time-limited
This type of pet insurance ensures that the first 12 months after your dog develops a certain condition will be covered. When the period ends, you have to pay for the type of condition your dog has experienced regardless of whether you decide to renew the policy.
Things to Know When Getting Cocker Spaniel Insurance Quote
Now that you know what type of policy to choose that suits your beloved cocker spaniel, you can start asking for a quote. In this way, you will have a better understanding of the coverage and premium cost of the pet insurance policy. The cost varies depending on different factors.
Here are the things you should know when getting a pet insurance quotation for cocker spaniel:
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Age:
Older pets are more at risk of developing different medical conditions and injuries. Therefore, it will be more expensive compared to young ones.
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Breed:
The premium dog insurance policy will also depend on the dog breed. As mentioned, pure breeds like cocker spaniels are more prone to genetic conditions compared to other breeds. Hence, it might pay a higher amount than expected.
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Location:
Most pet insurance companies consider the number of veterinary rates in the quotation, and the rates will depend on the location.
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Annual deductible:
The total premium amount will vary on the deductible option you will choose. The higher you avail, the lower premium you have to pay for your dog insurance.
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Annual maximum:
The amount for this will depend on your dog’s size and needs.
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Reimbursement:
Pet insurance companies reimburse on a direct percentage basis of the total veterinary bill. The lower percentage these companies have, the less you will pay.
Conclusion
Your pet insurance for Cocker Spaniel ensures that you will not suffer from the huge amount of bills from the accident or illness of your pet.
Knowing all this stuff included in this article will help you compare dog insurance policies available in the market. You can also personalize the policy you want to avail, so it will best fit your dog’s needs.
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