We all want the best for our furry friends, and sometimes that means dealing with unexpected health issues like skin conditions. These problems can lead to multiple vet visits, tests, and treatments, which can quickly add up.
That’s where pet insurance comes in. If you’re wondering, “Does pet insurance cover skin conditions in dogs?” – we’ve got you covered. Let’s dive into how pet insurance can help you manage your dog’s skin concerns and what you need to know about coverage.
How Pet Insurance Steps In
Pet insurance is like a safety net for your beloved pet’s health. It’s there to help ease the financial strain when your dog needs medical attention due to illness or injury. Skin conditions are common, and they often require ongoing care.
From blood tests to X-rays and trying different medications, treating these issues can get pricey. In some cases, your vet might recommend a visit to a specialized dermatologist, adding another layer of cost.
Getting Ahead of Pre-existing Conditions
Getting pet insurance early in your dog’s life can be a game-changer. It can help you avoid the headache of dealing with pre-existing conditions. These are health problems that existed before you got insurance or within a certain waiting period.
Insurance typically doesn’t cover pre-existing conditions, which is why starting coverage while your pup is young is a smart move. It’s like giving them a head start in staying healthy.
Are Skin Conditions Covered With Pet Insurance?
Great news – if a skin condition isn’t considered pre-existing, most pet insurance policies should cover it. However, there’s a catch: coverage can vary depending on the insurance company and the specific policy you choose. The key is to read the fine print and understand the terms and conditions. Some policies might have limits on certain treatments or conditions, affecting how much you can get reimbursed.
Things to Keep in Mind
When it comes to pet insurance, there are a few things you should know. While it generally covers diagnosing, treating, and managing skin conditions, there might be some exclusions. For instance, prescription food, supplements, and grooming supplies might not be covered. Even certain specialised shampoos and conditioners could fall under these exclusions.
Choosing the Right Policy
Comparing different pet insurance providers is essential to finding the best fit for your dog’s needs. Some insurers might limit coverage for specific treatments or conditions. Others, like Pet Circle Insurance, offer more comprehensive coverage without sub-limits. This means you can claim vet costs and treatments up to your annual limit, giving you more flexibility and peace of mind.
Pet insurance isn’t just a financial safety net – it’s your peace of mind. It’s there to help you navigate the twists and turns of your dog’s health journey, especially when it comes to skin conditions.
By understanding what pet insurance covers, being aware of possible exclusions, and comparing different providers, you can ensure that your furry friend receives the best care possible without the worry of unexpected expenses. After all, a healthy pet is a happy pet, and that’s what it’s all about.
Did you know that Australians spend a staggering $3,200 per year on their furry best friend? That’s more than some people spend on vacations or even their wardrobe! While a dog’s wagging tail and loyal companionship may be priceless, the cost of keeping them happy and healthy certainly isn’t.
Welcome to your go-to guide on the true cost of owning a dog—a comprehensive breakdown that goes beyond the bag of kibble and a squeaky toy.
Choosing to bring a dog into your life is a long-term commitment that stretches far beyond the emotional and time investment; it’s a financial commitment too. Unfortunately, many new pet owners find themselves blindsided by unexpected costs, from emergency vet visits to the ongoing expense of quality food and care.
Understanding the full financial landscape of dog ownership can help you prepare adequately, making sure you can provide a stable, loving home for your new family member.
Whether you’re in the ‘just thinking about it’ stage or you’ve already been swept off your feet by a set of puppy dog eyes, this article will unravel the obvious and hidden expenses tied to dog ownership. From upfront costs like adoption fees to recurring expenses and even those unforeseen veterinary emergencies, we’ve got it all covered.
Upfront Costs Of Getting A Dog
Purchase or Adoption Fees
When it comes to bringing a dog into your life, the first question you often face is whether to adopt from a shelter or buy from a breeder.
Prices can vary drastically between the two options. For example, adopting a dog from a shelter might cost you between $50 to $300, depending on the organization and the services included.
On the flip side, purchasing from a breeder can set you back anywhere from $500 to a whopping $10,000 or more, particularly for purebred or “designer” dogs.
Its a good idea to check out potential breeders on national databases to check they are registered, as well as running through a checklist of what to look for when buying a puppy.
Additional Services
It’s crucial to understand what is included in these initial fees. Many shelters offer packages that include initial vaccinations, microchipping, and desexing. Breeders may offer similar packages but be sure to confirm so you’re not hit with unexpected veterinary bills later on. It’s about more than just the sticker price; it’s about the value you’re getting for that price.
One-Off Initial Dog Costs
Initial Veterinary Expenses
Vaccinations
Your new pet will need a series of vaccinations to protect against various diseases, costing around $170-$250 depending on the area and the vet clinic. Some shelters include the first set of vaccinations in the adoption fee, but future boosters will be your responsibility.
This tiny chip helps identify your dog if they ever get lost, costing between $60 and $80. While some adoption fees include the cost of microchipping, buying from a breeder often means you’ll have to cover this expense separately.
TIP: make sure you register your microchip, companies like the central animal registery can help get lost pets back if they are registered with them! They often have a small fee for premium services.
Desexing
Spaying or neutering your pet is another essential initial cost, often ranging from a few hundred dollars upwards. Some shelters include this in their adoption fee, but if not, or if you’re buying from a breeder, expect to shell out additional money for this procedure.
The cost of desexing can vary depending on the size of your dog, but in NSW it ranges from $200-$500 with a giant dog being $600.
Initial Check-up
Regardless of where you get your dog, a first vet visit is crucial to assess general health and discuss a future care plan. Costs for an initial check-up can vary but expect to pay around $50 to $100.
Some vets often do free puppy/kitten check ups, if your on a budget it can help to shop around.
Dog Supplies & Gear
Beds
Comfort is key for your new companion. A quality dog bed can cost anywhere from $30 to $150, depending on the size and material.
Crates
If you’re planning on crate training your dog, prepare to spend between $25 and $150 for a crate, depending on size and quality. Crate mats or pads for added comfort will be an additional cost.
Toys
Engaging your pup’s mind is vital for their well-being. Toys can cost between $1 and $25 each, and trust us, you’ll want a variety of them to keep your dog entertained.
Collars, Harnesses, and Leashes
These are not just accessories but essentials for walking and training your dog. Depending on what you’re looking for in terms of material and durability, you could spend anywhere from $10 to $100 on these items.
Initial Costs Of Getting A Dog
Factor
Cost Range
Adoption
$500 – 10,000
Vaccinations
$170 – $250
Microchipping
$60 – $80
Desexing
$200 – $500
Initial Vet Visit
$50 – $100
Dog Bed
$30 – $150
Dog Crate
$25 – $150
Dog Toys
$1 – $25
Collars and Leads
$10 – $100
In summary, while the upfront costs may seem steep, they are an essential investment in your pet’s long-term health and happiness. Keep in mind that many of these costs are one-time or infrequent expenses, but they are crucial for giving your new pet a good start in their new forever home.
Recurring Expenses Of Owning A Dog
Owning a dog doesn’t just entail a one-time payment; it’s a long-term commitment that has ongoing costs. These can add up over time and vary depending on the breed, age, and health of your dog. Here’s what to expect:
Food and Treats
When it comes to feeding your furry friend, options abound from budget kibble to gourmet meals. Costs can range from $20 to $100 per month based on the quality of the food and the size of your dog. Remember that some breeds have special dietary needs that can add to the cost.
Treats aren’t just an indulgence; they’re often essential for training and oral health. Quality chews and treats can cost between $5 and $25 a pack. If you use them frequently for training or simply to spoil your dog, this can add another $10 to $50 to your monthly expenses.
Regular Veterinary Care
Annual Check-ups
Annual veterinary check-ups are crucial for monitoring your pet’s health and catching potential issues early. Depending on your location and the services rendered, these can cost between $50 and $200 per visit.
Ongoing Vaccinations
After the initial series of vaccinations, your dog will require periodic boosters, costing approximately $50 to $100 annually, depending on the vaccines.
Flea and Worm Treatments
Preventing fleas and worms is a lot easier (and less icky) than treating an infestation. Preventative treatments can range from $120 to $300 per year, varying with the size and specific needs of your dog.
Grooming and Hygiene
Professional Grooming Sessions (if applicable)
Depending on the breed and coat type, some dogs require regular grooming sessions, which can range from $30 to $100 per session. Breeds with more complicated grooming needs can cost even more.
Even if you opt for DIY grooming, you’ll need some basic supplies like shampoos, brushes, and nail clippers. These can cost anywhere from $20 to $100 initially, with periodic replacements and refills adding to the expense.
Miscellaneous
Dog Walker, If Needed
If you’re not home often or can’t take your dog for regular walks, a dog walker can be a godsend. Prices vary greatly depending on your location but generally range from $15 to $30 per walk.
Training Classes
Basic obedience classes are often recommended for new dogs and puppies. These can cost between $50 and $200 for a series of lessons.
Licensing or Council Fees
Most local governments require dogs to be registered, which comes with an annual fee ranging from $10 to $75, depending on your location and the dog’s age and sex.
In summary, while upfront costs may seem like the brunt of pet ownership expenses, don’t underestimate the recurring costs that come with providing the best care for your dog. Budgeting for these will help ensure that you and your furry friend can focus on a lifetime of happy moments, rather than unexpected bills.
Unexpected Costs
So, you’ve planned for the upfront and recurring expenses—great! But what about the financial surprises that can catch any pet owner off guard? Here are some common unexpected costs you should be aware of:
Emergency Veterinary Visits
Dogs are curious creatures and sometimes that curiosity can lead them into trouble, like ingesting foreign objects or suffering from sudden allergies. Emergency vet visits can range from $100 for minor issues to upwards of $1,000 for more severe problems requiring overnight stays or specialized treatment.
Potential Breed-Specific Health Problems
Certain breeds are prone to specific health issues—like hip dysplasia in large breeds or breathing problems in brachycephalic (flat-faced) breeds. The cost of treating these conditions can be substantial. For instance, surgery for hip dysplasia can cost between $1,500 and $3,000 per hip.
Brachycephalic, or ‘Bracky Dogs’ for short, are becoming more and more common. When you first get one of these dogs, its a really good idea to take them to a vet and get a full assessment of their breathing – vets can often tell if they will need surgery very early one. Brachycephalic surgery is often done in the first year of a dogs life and can often not be covered by insurance if it is pre-existing.
Tip: Having information related to your dogs specific risk facts can be super helpful in asking your insurance provider for specific advise. No one wants to pay for something for 2 years only to realise its not covered, so ask your vet early if they are susceptible to later issues.
Cost of Surgeries or Other Treatments
Apart from breed-specific issues, dogs can suffer from various illnesses that require surgery or specialized treatments. The cost can vary widely based on the severity of the condition and the required treatment but expect to pay anywhere from $500 to several thousand dollars. For example, cancer treatments can go well beyond $5,000, depending on the type and stage.
Value of Pet Insurance
Owning a pet comes with joys and responsibilities, including financial ones that can be unpredictable. This is where pet insurance comes into play. But what does pet insurance cover, and is it worth the cost? Let’s dig in.
Types of Pet Insurance
Basic vs. Comprehensive
Pet insurance can vary greatly in what they cover, and consequently, in cost. Basic plans might only cover accidents like a broken bone or ingestion of a foreign object, typically not including preventive care or hereditary conditions. These basic plans can be budget-friendly but might leave you with significant out-of-pocket costs for other types of vet visits.
Comprehensive plans, on the other hand, cover a much broader range of healthcare needs, including preventive care, vaccinations, and even chronic illnesses and hereditary conditions. These plans are more expensive but offer more extensive coverage.
Cost of Premiums
The cost of pet insurance premiums can vary widely, often ranging from around $200 to $4,000 a year. Several factors contribute to this variation:
The breed of your dog (some breeds are more susceptible to certain illnesses)
Your dog’s age (older dogs are more likely to have health issues)
Geographical location (vet care is more expensive in some areas)
The type of coverage you choose (basic vs. comprehensive)
Peace of Mind vs. Financial Commitment
Pros:
Financial Security: An unexpected health issue can be financially crippling. Pet insurance can offer a safety net.
Better Care: With insurance, you might be more likely to seek medical help as soon as an issue arises, ensuring better health outcomes for your pet.
Customization: Many plans allow you to customize your coverage and deductibles to meet your financial situation and healthcare needs of your pet.
Cons:
Cost: Premiums add another expense to your budget and over time can add up, especially if you rarely use the insurance.
Not All-Inclusive: Even comprehensive plans have exclusions and limitations, meaning you’ll still have some out-of-pocket costs.
Complexity: Understanding what is and isn’t covered can be complicated, requiring a fair amount of research and potentially leading to unexpected costs.
Choosing to invest in pet insurance is a decision that should be weighed carefully, considering both your financial situation and the likely healthcare needs of your pet. The peace of mind knowing that you have a financial cushion can be invaluable, but it comes at a price that isn’t insignificant. Make sure to do your due diligence and choose the plan that best fits your needs and those of your furry friend.
Dr Angie with Axel
Written by Dr. Angie, the brilliant veterinary mind behind Pet Circle Insurance. With over 15 years of experience in the veterinary field and hands-on experience in handling insurance claims, Angie is a trusted and reliable source of truth when it comes to all things pet-related. Her passion for small animal medicine, nutrition, and the human-animal bond shines through in her work with the Pet Circle Veterinary Squad, where she provides top-notch advice and support to pet owners.
According to recent surveys carried out by Animal Medicines Australia, nearly 70% of all Australian households own a pet! We have one of the highest pet ownership rates in the world and pets have become a part of our families. But it comes with no surprise that as much as they enrich our lives, they come with both big personal and financial commitments. Many pet parents don’t realise the high cost of unexpected veterinary bills and this can be assisted with pet insurance.
Pet insurance helps cover the costs of unexpected veterinary expenses, should your pet require them in instances of unexpected illness or injury. Pet insurance is designed for those unexpected events that are challenging to budget for. It can be useful to ask yourself the question “Would you be able to afford unplanned large veterinary expenses if your beloved pet becomes sick or injured?”. Pet insurance helps to give you the ability to consider all treatment options without being overwhelmed by the cost.
It’s like Car Insurance …
Another way to think about pet insurance is that it resembles car insurance in that the premium you pay correlates to your pet’s risk of incurring expenses such as age and breed of your dog. Another similarity is that pet insurance covers for unexpected veterinary expenses (like a car crash for car insurance) rather than routine, expected health maintenance such as vaccinations, health checks and parasite preventatives (just like routine servicing of your car which is not covered by car insurance).
Pre-existing conditions?
An important note is that pet insurance does not cover pre-existing conditions. Subsequently any illness, injury or condition that occurred prior to purchasing the insurance policy or within an applicable exclusion period will not be covered for. Therefore, it is often recommended to get pet insurance for puppies and kittens before they have had the chance to acquire any conditions. The younger the pet is when you get pet insurance, the better the chance that you pet will have fewer pre-existing conditions!
Both puppies and kittens can be curious, accident and illness prone by eating things they shouldn’t or getting into places they shouldn’t and having pet insurance gives you peace of mind that you can afford what could be life saving treatment they may require. This can be especially beneficial if your pet then requires specialist treatment or surgeries, that can be in the thousands of dollars. Keep in mind that pet insurance does not cover everything and there are some conditions and exclusions, but still it would be very reassuring knowing you have cover for the unexpected big bills.
Use our quote tool to see what your monthly premiums would be.
How does pet insurance work?
You start by personalising the level of cover you need for your pet!
Annual limit (maximum payout): $10K, $17.5k or $30k for dogs and $2.5K, $5K or $10K for cats. Benefit percentage: 70%, 80% or 90%; Annual excess $0, $75 or $150;
Pet Circle Insurance has no sneaky sub-limits.
What does ‘no sneaky sub-limits’ mean?
The annual limit is the amount of money you can claim back each year in total, with no sub-limits.
If you have an annual limit of $30k (subject to any chosen annual excess) you can claim vet costs and treatment up to that limit each year. Lots of other insurers place additional cap or limit (so called sub-limits) on the amount you can claim for certain conditions or treatments like tick paralysis or hip replacements – not us!
A benefit percentage means the portion of the claim you will receive back from a claim.
For example, if your pet’s treatment comes to the cost of $1,000, you would pay your vet directly and then make a claim with the insurer. Say your annual excess is $150 and your benefit percentage is 80%, then if your claim is approved, you will receive [$1,000-$150 (excess)= $850] x80% = $680 reimbursed to you.
The annual excess is the amount that you (the pet owner) pays towards a claim. Once you have paid your annual excess, then any future claims during the same period of insurance (ie 12 months period) will not have the annual excess deducted. Lots of insurers have an excess for each claim or condition, but ours is a single annual amount for all claims and conditions.
How does the claims process work?
After treatment, we need to review the receipt as well as any medical history from your veterinarian in order to process a claim. You will then get reimbursed into your bank account when the claim is accepted.
You just log into our handy-dandy customer portal, where you can upload everything. If we need more information, we will follow up with your vet for you.
Written by Dr. Angie, the brilliant veterinary mind behind Pet Circle Insurance. With over 15 years of experience in the veterinary field and hands-on experience in handling insurance claims, Angie is a trusted and reliable source of truth when it comes to all things pet-related. Her passion for small animal medicine, nutrition, and the human-animal bond shines through in her work with the Pet Circle Veterinary Squad, where she provides top-notch advice and support to pet owners.
