Our pups have no social security but illnesses, injuries can happen. You have to take your furry baby to the vet which will eventually cost you a couple of hundred or thousand dollars – depending on the issue. This is when pet insurance can help you. Tom Kings Puppies is not representing any specific insurance companies, but we’d like to give you an overview of how pet insurance works and what you should look at when choosing one.
From time to time we get the question from the parents if they should buy pet insurance. None of us can see the future and insurance protects us at the most vulnerable moments and can save us a fortune. Just like in any other type of insurance, it’s good to have it and the best not to use it. In case your pup gets ill or injured, the insurance eases at least your financial worries – while you have enough to worry about.
It’s good to hope that nothing bad will happen, but better to be prepared for the unexpected.
There is a whole range of various pet insurance policies, and it’s best to use comparison sites to see fees. Then study carefully what the policy covers and see how it matches your lifestyle with your pup and what could be the highest risks.
Injuries and illnesses
Most insurance policies give you a maximum cover per year and a maximum cover per occasion in case of injuries or illnesses happen.
Just to give you an example: if your pup has dermatitis, you can claim the vet bills, creams, and treatments. If he is injured and is wounded you can claim vet bills, necessary X-rays and further treatments.
Depending on the policy it covers dental treatments following an accident or complementary treatments like hydrotherapy.
Third party liability and other extras
Insurance can cover not only injuries but also other unfortunate events in life. Even the best kids are nasty sometimes. Even if French Bulldog is a very social and harmless breed, your pup could cause damage to someone else which you, as the parent are liable for. Pet insurance helps in these cases and covers for third-party liability.
There are other unexpected cases in life which causes difficulties. If you have to stay in hospital pet insurance pays the costs of your pup’s homecare or boarding fees. If you have to cancel a pre-booked holiday due to your furry kid’s treatment, your cover can help. Or if a pup gets lost, insurance pays for the fees for the search (like advertising).
If the worst happens
We all fear the worst, but when a pup leaves us, nobody can compensate for the loss, but pet insurance refunds the purchase price at least.
You’d better check comparison sites, but generally speaking, the monthly fee increases with the pup’s age, what events you’d like to include, and how much cover you require. As in the case of any other health or life insurance, pet insurance will not pay for the treatment of illnesses known before taking out the policy or genetic disorder.
The Tom Kings Puppies Health Guarantee
Our puppies’ parents were very strictly examined before our breeding program, so their genes, body structure, health are the best possible. We live on a farm, our puppies are active all day long out in the open so they can live and grow healthily. They get the highest quality food and vitamins to ensure they develop a great immune system and are checked by our vet every week. Our puppies come with a Tom Kings Puppies Guarantee, which is valid against all genetic illnesses.
The article was written based on the experience of the Tom Kings Puppies Team. Tom Kings Puppies have been breeding French Bulldogs for 10 years on their farm. All the pictures in the post belong to them and show a puppy from their breed. Check their available puppies here, or if you have any questions or comments let us know below the article.