The vast majority of insurance companies base their prices on the average cost of vet care per breed and consequently as per the known health issues the breed is predisposed to. It is important to keep in mind that insurance companies do not cover pre-existing conditions, so make sure to sign up for dog insurance while your pup is still young and healthy.
For dogs in general, vet care cost can be anywhere from $250 to $1000, and for poodles, these costs can be even higher having in mind possible breed-specific health issues that can arise. This estimation does not include the costs for regular supplements, simple medications, and first aid materials.
Poodles have an average life span between 11 and 15 years, while it’s not uncommon that they live up to 20 years of age. During the years, besides regular check-ups and vaccinations, you are bound to have a few unplanned vet costs as well.
Having insurance for your poodle is a way to plan for these costs during the span of their lifetime. Having the basic supply of first aid materials will not only keep your mind at ease but can also save you money in the long run. Not treating a simple scratch or injury on time can lead to more serious and more costly complications.
Dog insurance will allow you to reduce vet costs for preventive measures, emergency situations, and also for chronic conditions. For poodles, the monthly premiums are relatively low, while the percentage of costs covered for unplanned veterinary care is quite large. How do you know if pet insurance is worth the expense? Read on, and we’ll try to help.
Common Conditions for Poodles
Like all dog breeds, poodles also come with specific health conditions that they are prone to. To help you decide if pet insurance is worth it or not, start with obtaining the cost of treatments without insurance.
Below is a breakdown of the most common health conditions and the prices for their treatments:
The above list includes only minor health conditions that are almost certain to happen at least once in a poodle’s lifetime and most likely more often. It does not include cases when a larger health predisposition turns into reality, such as hip dysplasia (ranging from $4,000 to $6,000), patellar luxation (ranging from $1,500 to $3,000) and retinal atrophy (ranging from $2,000 to $3,000 per eye).
Without health insurance, all these costs, should they arise, will have to come out of the owner’s pocket. The bigger health issues can be disastrous to the pet parent both emotionally but also financially.
Dog Insurance Costs for Poodles
Adding another item to your monthly expenses may be a totally undesirable thought. But many poodle owners end up pleasantly surprised by the amount they would need to pay for their pet’s insurance.
Besides the breed, factors that influence the amount of the premium are your poodle’s age, where you live and of course, which coverage you choose to go for. Below are average premiums for poodles based on their stage of life:
- Puppies– $35.59 per month
- Adults– $48.31 per month
- Seniors– $83.29 per month
It’s important to note that pet insurance companies will, more often than not, allow you to create a customized coverage to fit your monthly budget.
What About Coverage?
So, what is covered and what’s not? Information about cost only will have no value without having the answer to this question. Usually, poodle pet insurance will cover conditions that were not present prior to buying the insurance. Dealing with consequences of a prior accident or any other prior illness and disease will not be included in the insurance coverage.
Some insurance plans will include coverage of certain preventive care activities, such as vaccinations, tick bites, flea conditions, heartworm medication, and even teeth hygiene. However, the downside is that certain poodle insurance plans don’t include common conditions specific to poodles, such as epilepsy, that may occur in a later stage of life.
This varies from insurance company to insurance company, so make sure to shop around. Most pet insurance offers include at least one free visit to the vet per year. Some will even reimburse you if your vacation was cut short due to your pet’s illness.
Finding the Right Pet Insurance for Your Poodle
In order to make the best decision on which insurance company is best for your poodle, you need to be informed. Insurance companies that offer pet insurance all have different coverage, premium levels, and restrictions. Obtaining quotes from at least five different companies will provide you enough information to make a good comparison.
Make sure to compare all features, not just the cost to ensure you are getting the best deal for your pet. Just like with signing anything nowadays, dog insurance policies are full of fine print and exclusions that you need to pay close attention too. Missing to do so could cost you significant amounts of money down the road.
While making the final decision, make sure the plan covers certain poodle specific health conditions, such as epilepsy, as much as possible. Pay attention to the restrictions on annual benefit limits as well. Customer service can be an important differentiator between two similar options.
Keep in mind that some pet insurance companies have one-time setup fees, and even more importantly, transaction fees that are not included in the premium, but are still recurring monthly costs. One way to reduce the amount of these transactions fees is by paying periodically, either once a year, twice a year or quarterly. These details can make a significant difference for both your cash flow, but also for your poodle’s health over the years.
Peace of Mind
Whether you just became a proud pet parent, or you have a years-long companion already, each segment of your poodle’s life brings different health risks. Obtaining pet insurance will make these situations easier to bear, eliminating the worry and anxiety surrounding money.
Ear infections, digestion problems, and even accidents are regular parts of life, especially having in mind the high activity levels of an average poodle. A carefully chosen insurance provider that covers the needs of your best friend will provide you with the peace of mind you deserve.