Why You Should Insure Your Puppy The Soonest

Why You Should Insure Your Puppy The Soonest

People love to make puppies their fur babies and everyone knows the reason why. With that level of love, you’ll definitely be unable to resist them. But what comes with being a pet parent are responsibilities, and you may be wondering why you should get puppy insurance.

Puppies are like babies – cute but sensitive. Their food must be cautiously handled and owners must watch them all the time. Each parent wants the best for his/her kids just like every owner wants their puppy to live comfortably and happily.

To prepare for unseen events, you might be thinking of insuring your puppy now. Will it be worth it? If yes, why? If not, then when?

Things to Consider for Puppy Insurance

Here are a few things one should consider why it’s best to get your puppy insured the soonest.

Lower Premium Cost

As the saying goes, the earlier the better. This is the same when getting insurance for your puppy. Owners should decide to get insurance while their pet is still a puppy.

By doing so, they could get cheaper insurance premiums.

Most companies offer puppy insurance starting at 8 weeks. But try to find those that offer it as early as 6 weeks.

Coverage Includes Future Conditions

Almost all insurance companies don’t cover pre-existing conditions. For puppies, inherited diseases are not yet evident. Though the breed and species sometimes are part of the exclusions, most puppies can get insured for future medical conditions.

This is one of the few things to double-check in any puppy insurance coverage. A few insurance companies cover common future conditions like hip dysplasia but not all. So it’s better to find this in the fine print of the contract before signing.

Foreign Body Surgery

Though puppies are cute, they can be a handful. Unfortunately, anything they can put in their mouth has a high chance of ending up in their stomach. This is pretty common for puppies because of their need to chew.

The removal of foreign bodies is an expensive procedure. Getting insurance for puppies will serve as big aid for the owner. Even if reimbursement is usually 70% to 80% of the surgery cost, that’s a big financial save for you.

Add-ons or Riders for Routine Care

Vaccines, spaying, and neutering are procedures commonly done on puppies. Puppies are vulnerable, so they have to get all the vaccines they need, so vaccinations are mandatory. Yet, all these procedures are not covered in most puppy insurance.

Since these aren’t covered, most insurances offer an add-on for routine care like vaccines, spaying, and neutering. Insure your puppy with this add-on since it will only be for the first year.

After you’ve gone past the puppy stage, depending on your coverage, you may continue or add another appropriate rider.

Life-long conditions

Life-threatening illnesses such as cancer or diabetes cost high. Getting insurance while the pet is young can be a big help once illnesses like these surface. This is especially when you claim a long-term or lifetime plan.

While these conditions may cause you much, the insurance can lessen the burden.

Things You Should Know Before Getting Pet Insurance

Besides the love for your fur baby, there are things you should know beforehand to get them insured. Here are a few things to always keep in mind when you insure your puppy.


Take note that being familiar with your puppy’s breed is important. Each company has a list of breeds they may offer certain services or limit services from.

Larger dogs have more tendencies of certain diseases like hip dysplasia, while smaller breeds have different ones like respiratory illnesses. To protect both insurer and plan holder, the insurer has come up with a list of dog breeds to cover.

Pre-existing conditions usually appear when dogs are older. Getting insurance for them while they are still puppies will be good because the symptoms are not yet showing. But again, you must read the fine print in the insurance contract to make sure it does allow it.

Unexpected Veterinary Cost and Responsibility

Most owners overlook this factor when getting a puppy. Unexpected bills usually shock owners when they encounter emergencies once they bring their puppies to the vets. It could cost as much as thousands of dollars.

By having insurance, the cost can be reimbursed or be directly paid by the insurer to the vet. Most puppy insurers pay up to 90% of veterinary costs. Even if it’s not 90%, having insurance can help the owner be at peace for any financial aid.

Another tip is by doing preventive care ahead. By giving vitamins and proper care to a puppy, it may lessen or avoid unexpected illnesses. This includes the right diet and exercise, plus, being a healthy puppy carries over to adulthood too.

Insurance may cost pet owners but it can also benefit them a lot. Insurance for puppies ranges from $10 to $100 per month. This all depends on the type of insurance owners would want to get for their puppies.

Comparing this to a sudden $1000 vet bill with no possible reimbursement, puppy insurance seems to be a better choice.

As the pet parent, only you can decide which is best for you and your puppy. Insure your puppy whenever you think it’s the best time for you and its needs.