A survey published by Mintel recently revealed that 1 in 3 pets need an unplanned visit to the vet every year. So the odds that with a bulldog you will be making a claim on your bulldog puppies insurance are higher than the chances of you claiming on your home & contents policy or your motor insurance.
With this type of insurance the word “unplanned” is key. Often these insurances don’t cover routine treatments such as vaccinations or worming, and most pet insurances won’t cover preventative treatments for your English bulldog puppy.
The same rings true for elective type treatments’, like neutering for example. Basically, the common reasons for visiting the vet cannot be insured against.
As I’m sure you’re aware, it normally is the unplanned visits that are the expensive ones!
Animal care has progressed a lot in recent years, and all kinds of maladies can be treated, at a horrendous cost, depending on the individual vet clinics rates. Emergency care is always expensive, and if your bulldog puppy heaven forbid gets struck by a motor vehicle or hurts his or her legs playing ball, you could be looking at a bill of thousands. Alone a series of X-rays could cost $500 or more, I cringe to think of how much an individual clinic or ER vet may charge for a MRI scan, etc!
Now we’ve established that most reasons for a visit to the vet cannot be covered by insurance, so what is included?
Well, pet insurance plans come in 3 main guises:
The value of the claim for each condition or event is capped;
The total annual payout cannot exceed a set amount;
The payout per condition is limited and ceases to cover your bulldog after twelve months of treatment. This is the cheapest option.
Virtually all pet insurance policies will pay out if your bulldog is lost in death. As with other types of insurance, you will have to pay an excess if you make a claim.
The cost of the policy depends on which type of policy you want, how much excess you are prepared to pay, its breed (rare breeds are more expensive), its age and even your post-code can make a difference to the premium (vets cost more in Chelsea). It’s difficult to estimate because of all the variables, but an industry estimate suggests premiums from $30 – $200 per year for a cat and $50 – $500 for a dog.
The lowest price insurance is directed at younger puppies, and seeing as most bulldog puppies can be insured from 8 weeks old and you can then continue insurance for your bulldogs lifespan, this seems to be the best way to go for most. If your Bulldog is already 8 or 9 years old when you decide to get it insured, it may be difficult to get worthwhile coverage. This is mainly because the exclusions will list existing health conditions, and at that age, it is likely that your Bulldog will have some “old age” known conditions. In any case, at that age a new policy will be much more costly.
There are a few ways to lower the premiums – some insurers will discount insurance if your english bulldog has an identity micro chip (I recommend 15 digit international HOME AGAIN, and if you are insuring more than one bulldog, you might be able to get a quantity discount. These are widely available for your second and subsequent insured pets (k-9 or other).
To get the best premium pet insurance prices, browse the Internet for deals but be sure to read reviews. A few we have heard good things about are:
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