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Dog insurance is a hot topic these days. Is it necessary or a waste of money? Over on PetGuide.com, we’ve gone over the pros and cons of dog insurance so you can make an informed decision on whether it’s right for you.

You’ve been antagonizing over the decision of whether or not to buy dog insurance. Sure, your puppy may be healthy now, but what about in the future? You can’t predict if your dog will get into an accident or get cancer and require costly treatment. On the other hand, your dog may only require yearly vet visits for many years. So what should you do? Let’s go over a few pros and cons of dog insurance… we hope it will make the decision a bit clearer for you.

Pros:
• There are lots of dog insurance companies to choose from, and all of them offer a variety of policies and coverage. These policies cover all types of vet care, from annual checkups and immunizations, to long-term treatment and rehabilitation.

Cons:
• You have to pay for the vet bill out-of-pocket first. Only after you pay are you able to send in the paid bill to get reimbursed.
To read the rest of the Dog Insurance Pros and Cons article, visit PetGuide.com.
 

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I don't bother. precisely because of the up front thing, if I cant afford it up front then the insurance is useless to me. I always hear in response to that "put it on a credit card and use the insurance to pay it back".. not everyone has a credit card with a $5000+ limit.

I instead keep a savings account, a set amount from every pay check auto transfers to that account, I have no access to it from my bank card, so there is no temptation to use it for other things. its my fail safe, and as a bonus..EVERYTHING is covered... I don't have to go through any headaches of wondering if the claim will be approved, or worry about what my pets are covered for etc.. they are covered for anything they need.
 

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I agree with Miss Bugs - if you can afford to save the money upfront, or have the available credit - on the order of $5000 - $10000, then self-insure. But, if you can't afford to build up the emergency fund, insurance may provide the protection from an emergency. I'm in the first camp, so I don't know which insurance is best.
 
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