10 Reasons All Animal Owners Should Get Pet Insurance

Pets are not mere animals, when you take them into your home, they become family members. Pet insurance is a must-have if you care for your pet as if it were a member of your family. Pet insurance works just like health insurance for people. It allows you to get reimbursed for eligible medical expenses when you visit the veterinary. Learn more about this type of insurance and why pet owners should get one.

1. Insurance Covers Your Pet in Case of Accidents and Illnesses
If you take out pet insurance, you are covered in case of accidents and illness. The insurer will reimburse you for the eligible costs you pay at the veterinary if your cat or dog falls ill or is injured. Pet insurance is useful at any age because unfortunate events such as car accidents can affect any pets, especially those that also spend time outdoors. If your pet gets hit by a car or suffers injuries due to other types of accidents, the consequences can be severe and they might require surgery and long-term treatment. CT scans and X-rays alone can cost hundreds of dollars, while surgery can easily reach thousands of dollars.

Treatment for chronic diseases such as heart or thyroid conditions can also prove expensive. These require continuous medication that can cost hundreds of dollars per year. Pet insurance can help you reduce the amount you need to pay based on your coverage limit.

2. It Helps Extend Your Pet's Lifespan
Regular veterinary visits are recommended for dogs, cats, and other common pets. The minimum frequency is a visit per year. During these regular checkups, the vet will examine your pet and let you know whether they need any special diet or treatment.

These checkups are essential to catch early signs of disease and start applying preventive care treatment. On these occasions, the vet can also administer the necessary annual vaccinations and deworming treatment. Essentially, these vet visits can extend your pet’s life and ensure they stay healthy and happy for as long as possible.

Pet insurance can help you cover some of the costs associated with routine health care, especially if you choose a wellness plan. This type of insurance covers grooming, annual checkups, and several other costs. Some of the services included in pet wellness plans are:

- Deworming treatment 
- Heartworm tests 
- Vaccines 
- Annual vet visits 
- Spaying and neutering 
- Blood work 
- Fecal exams 
- Behavioral therapy 
- Grooming 
- Acupuncture 
- Massage therapy 
- Dental care 
- Microchipping 

Pet wellness plans can be added to a basic insurance plan. One aspect to keep in mind is the reimbursement limits. Some plans have per-item limitations meaning that they cover specific expenses up to a certain limit. For example, you might get a cap on dental cleaning services or vaccination. Compare different plans and choose the one you think will benefit your pet and your finances the most. 

3. Pet Insurance Helps You Be Prepared for the Unexpected 
You never know when your beloved pet falls ill, even if you’re diligent about their care and always on the lookout for symptoms. Moreover, you cannot prevent or predict accidents that might cause your pet injuries that require immediate medical attention. The cost of treatment and rehabilitation can be overwhelming. Just like getting health insurance for yourself and your family, pet insurance helps you be prepared for unexpected medical bills that can take a great share of your savings if you don't have any coverage. 

4. Pet Health Care Costs Are Rising 
Prices are constantly increasing in all industries and pet health care is no exception. The average American pet owner spends around $500 on their pet per year. This is another reason to get pet insurance sooner rather than later so you avoid spending more money further down the line if your pet gets sick or suffers an accident.

Only routine vet visits cost more than $240 per year for dogs and almost $180 for cats according to the 2021-2022 American Pet Products Association National Pet Owners Survey. If you want to add other services as part of your pet's routine care, you can pay thousands of dollars per year. For example, dental cleaning for dogs costs between $500-$1000. Dog grooming costs up to $75 depending on the dog's size. All these costs easily add up at the end of the year and pet insurance can ease this financial burden. 

5. Pet Insurance Is Flexible
Another advantage of pet insurance is that you can customize your plan depending on your pet's age, health, and of course, your finances. If you have a dog with long hair, for example, you might want to get a wellness plan that can cover the grooming costs. These pet insurance plans also include other routine care expenses and can even cover diet foods or supplements. So, if your cat has kidney problems or a skin allergy and needs a special type of food, you can get a wellness plan that covers this expense.

You can add different riders to a basic insurance policy to get coverage for different veterinary costs. Moreover, you can customize your coverage limit and take out insurance for several pets, which can also give you some discounts. 

6. Pet Insurance Is Easy to Use 
Pet insurance is not hard to use. After comparing different plans and choosing the one you find most suitable for your pet, you have to pay for the insurance coverage monthly. The insurance company will calculate the value of your monthly premiums based on your pet's age, breed, and your zip code. When you go to the vet, you'll pay for their services regularly and then submit a claim to the insurance company with the proof of payment and wait for the reimbursement. 

7. You Can Choose Any Veterinary
Pet insurance is also flexible in terms of vet choices. No matter what plan you opt for, you are not forced to choose a certain veterinarian. You can go to any vet’s office, pay for their service, and then submit your reimbursement claim to the insurance company.

Being able to choose any vet allows you to offer your pet the best care. You can take your dog for grooming to a certain vet and for regular checkups, deworming and vaccination to another one, it’s entirely up to you. 

Some insurers have a network of veterinarians. If you choose one of their vets, you can walk out of their office without paying a dime as the company will pay the vet directly for the eligible services up to your coverage amount. 

8. You Don’t Have to Tap Into Your Savings Account
If your pet suffers injuries in an accident or develops a severe condition, you might have to pay thousands of dollars to get them diagnosed and treated. Without an insurance plan, you have to pay these costly expenses all by yourself. This might mean tapping into your savings account, which is something you might not want to do if you are saving money for a house down payment, college, or another goal. Pet insurance eliminates the unpleasant situation when you have to choose between your pet and your wallet. 

9. Insurance Is Important for Older Pets
Pets have a different life expectancy depending on their overall health, genetic factors, and their breed. However, the older they get, the more likely they are to start developing different conditions.

For example, dogs, especially large breeds, are more at risk of ligament problems as they get older. 
Cats are not devoid of age-related health problems either. Many of these pets start having kidney issues and urinary tract infections as they age and the kidneys stop functioning properly. Heart diseases, diabetes, and cancer are just some of the serious conditions both dogs and cats can get diagnosed with as they get older.

Treating these conditions or at least keeping them under control can require thousands of dollars in medical bills. Pet insurance helps you be prepared for any pet health problems and related medical care costs. 

10. You Gain Peace of Mind
Having a cat or a dog is great, but it comes at a cost. When pets become family members, you have the responsibility to take care of them. This implies a lot of different aspects from training them to giving them healthy food and taking them to the vet for routine checkups. Pet insurance can help you with all these expenses by providing you coverage for a wide range of services from behavioral therapy to diet food and supplements and other vet expenses.

Besides helping you minimize the toll pet health care can take on your finances, an insurance plan also provides peace of mind. Knowing your pet is insured in case of any medical emergency can be a comforting thought, especially if it’s old or its breed makes it more prone to developing certain conditions.

Conclusion 

Pet insurance has got your furry friend covered in case of illness or accidents. Moreover, there are also wellness pet insurance plans that cover a wide range of vet expenses including behavioral therapy, grooming, vaccinations, blood work, and plenty more. Pet insurance is flexible and can offer you peace of mind. With this insurance, your pet is well taken care of in case of emergency while your finances remain intact.

Everything You Need to Know About German Shepherd Pet Insurance

The German Shepherd is one of the most beloved dog breeds in the world. These dogs are loyal, intelligent, and tenacious, and have various abilities that men have been able to rely on ever since this breed came into existence. German Shepherds are devoted companions, hard workers, and skilled watchdogs. They are capable of following instructions accurately and can be trained to do myriad things.

Their courage and fearless nature are well-known. However, despite their outstanding physical and mental abilities, these dogs are also prone to develop health problems, which is why you should consider getting pet insurance if you have a German Shepherd. Learn more about this breed and how pet insurance can help your dog live longer and happier.

German Shepherd Characteristics

German Shepherds have a height of 1 foot, 10 inches to 2 feet, 2 inches at the shoulder. Males weigh 65-90 pounds and females’ weight varies between 50-70 pounds. Their life expectancy is 10 - 12 years. This dog's rough double coat has a medium size and varies in color. You can find different combinations of brown, black, red, or grey, generally, any typical coat color other than white. This dog has upright ears and a sharp muzzle. Its body is elegant, and well-portioned, with a strong muscular back and ending with a long, bushy, and curved tail.

German Shepherd Temperament and Personality

The German Shepherd is the perfect all-purpose worker because of its large size, heightened agility, discipline, devotion, and extraordinary intelligence. This dog can wear many hats, serving well as a police dog, rescuer, and even as a companion for people with disabilities. Its courage, sense of responsibility, and ability to self-sacrifice recommend it for any demanding job. Moreover, this dog is also resistant and a good runner.

German Shepherds are great companions and watchdogs and can be trained to do many things. Once you train them, rest assured they will protect your home and family. In fact, these dogs have a protective nature and don't trust strangers immediately.

German Shepherds are obedient and loyal and can show tenderness despite not being one of those breeds that beg for affection. The German Shepherd has a strong personality and can often be distant, however, it is typically not an aggressive dog.

 

If you take a German Shepherd into your home, be prepared to offer them walk time and playtime in abundance. These dogs have high energy levels and need to be trained and challenged, otherwise, they can easily get bored and end up running things such as shoes by chewing them. Moreover, to draw your attention and cast away its loneliness, this dog can also take to barking, which you might want to avoid if you live in a quiet neighborhood or an apartment building.

The Breed's Origins

The German Shepherd's origins are not as old as you might assume given how widespread this breed is. The breed was born in 1899. Its father is Captain Max von Stephanitz. His ambition was to create a breed that could excel as a herding dog. He achieved his goal as the German Shepherd is one of the best dogs for this task.

Later, Captain Max von Stephanitz also decided that the dog breed he created was suitable for more challenging tasks that involved more responsibility. So, he relied on his military experience and contacts to have the breed serve as a working dog for the military and the police.

The German Shepherd served in the military during World War I. This is when it drew the attention of American soldiers who, upon returning to the US, decided to take some of these dogs with them.

A Versatile Breed

German Shepherds won't let you down if you are determined to teach them something. They are smart, quick learners, and hard-working. This is why they are versatile dogs that can successfully accomplish any role from herding to police and military tasks or rescuing people. These dogs are good at running, sniffing, searching, and tracking things and people. They are obedient and able to adapt to new orders quickly. German Shepherds can be taught to perform various tricks and they are also excellent watchdogs.

Who Is This Dog Suited for?

Because they are good at protecting their property, these dogs are suitable for people living in large homes who want to feel safe and be able to ward off burglars.

The German Shepherd is an excellent pet for those who have enough time to dedicate to their training and physical activity. This dog needs both mental and physical challenges on a daily basis. You have to make time for long daily walks, jogging with your dog, playing Frisbee, and similar pastimes. Training is also crucial since this breed has an excellent will and capacity to learn. 

If you are not sure you can dedicate the necessary time to this type of dog, you might be better off with a smaller and more tranquil breed. Kept indoors and ignored, the German Shepherd won't have the possibility to exercise and put their sharp mind to good use, which can make them feel depressed, and frustrated and eventually lead to unpleasant behaviors.

Some Personality Flaws

The German Shepherd can easily get bored if left alone for long periods of time. This can trigger unpleasant consequences such as barking or chewing items. Because this dog is an innate guardian, it often displays a suspicious nature. It doesn't make friends very easily and it is not necessarily the type of dog that will make your guest feel welcome at your dinner parties. For this reason, it is important to give them plenty of chances to socialize when they are puppies so that they become accustomed to spending time in company and able to adapt to new faces.

Tips for Keeping Your German Shepherd Happy and Healthy

German Shepherds tend to be suspicious of people they don't know well. If you are a sociable person and you want your dog to be the same, you should socialize them since they are puppies. Take them with you to different places and circumstances so they can meet many people.

Training is of essential importance to these dogs. Just because they are naturally smart, it doesn't mean they can learn things on their own. They need thorough training since they are puppies. Obedience should be part of your training.

These dogs love to grow in families and often suffer when they are separated from their human pack for a long period, so try to make proper arrangements when you go on holiday. Ideally, someone else in your family will take care of the dog during that period so they don't feel abandoned.

 

These dogs are athletic and have elevated energy levels, so they need long daily walks and physical exercise. Playtime is perfect for German Shepherds if it involves the whole family as this devoted dog is usually fond and protective of everyone in the household.

Moreover, it's important to know that these dogs shed a lot. Be prepared to brush them as often as you can. Professional grooming will also help you maintain your furry friend's coat in excellent shape and a pet insurance plan with a wellness add-on can cover the related costs. You should also trim this dog's nails monthly if they don't wear down during exercise time, otherwise, they can cause discomfort.

Common German Shepherd Health Issues

Hip dysplasia is one of the most common health problems of many dog breeds, including the German Shepherd. This condition is caused by the ball and socket of the hip joints and can be spotted through symptoms such as limping or stiffness. A dog that suffers from hip dysplasia will become less active because of the pain and discomfort caused by the affected joint. Elbow dysplasia is also common in this breed and it is the result of elbows that don't develop correctly.

German Shepherds often suffer from bloating, medically known as gastric dilatation and volvulus, a twisting of the stomach that can be fatal and needs urgent surgical intervention.

Eye problems are also common among German Shepherds who can suffer from a hereditary disease called pannus that damages their cornea. Cataracts is another frequent eye problem that affects many dog breeds, including German Shepherds.

Hemophilia is also frequently encountered in this breed, and so is pancreatitis, both requiring early detection and medical attention.

Is Pet Insurance Worth it for a German Shepherd?
Getting pet insurance for a German Shepherd is not only useful but highly recommend. These dogs are athletic and active. Their energy level makes them more prone to accidents and injuries. Standard pet insurance reimburses the expenses related to accidents, such as surgery or X-rays, as well as those required by diseases your dog might get diagnosed with after you sign up for a pet insurance plan. This way, you can afford to offer your dog the care and treatment they need to get and stay healthy.

Moreover, standard pet insurance can be accompanied by a wellness plan that adds more eligible vet services to your coverage, such as annual checkups, vaccines, deworming, spaying or neutering, behavioral therapy, grooming, nail clipping, and more.

German Shepherd Pet Insurance Prices

German Shepherd pet insurance costs vary depending on multiple factors starting with the insurance carrier you choose. Your location and your dog’s age also influence the price of your monthly premiums. Pet insurance for older dogs is typically more expensive compared to adult dogs. Also, larger breeds can prove more expensive than small ones. For a healthy adult German Shepherd’s pet insurance, you can expect to pay about $40 per month.