Many Americans are in love with dogs — and particularly with certain breeds. Purebred dogs are quite popular, and people seek out their favorite dog breeder anywhere in the country. However, bringing a purebred dog into the family can lead to greater responsibility, not to mention it’s a substantial investment. If you’re crazy about dogs, you may overlook the many aspects of caring for a dog.
One aspect of owning a purebred dog that is often overlooked is how much it costs to take care of a dog with certain health conditions due to breeding. Some (but not all) purebred dogs are more likely to have specific medical issues that may crop up over time. If you aren’t careful, these can be costly to treat. For families with purebred dogs, it might make sense to invest in pet insurance, particularly as their dogs get older and may require more care.
Why Should You Get Pet Insurance?
When most people think about purebreds, they think about the initial cost of ownership. Adopting one can cost as much as several thousands of dollars depending on the breed. This is where pet insurance first starts to make a lot of sense. Since purebred dogs require a greater investment from the start, pet insurance can help you keep your furry friend around longer at a potentially lower cost. If your purebred dog also tends to have more health problems than other breeds, then pet insurance makes a ton of sense.
Why would a purebred have more health issues? Over time, purebred inbreeding has caused certain breeds to develop specific diseases and illnesses. Here are a few examples:
According to Trupanion data, German Shepherds are known to suffer from hip dysplasia which can lead to lameness and limping. Treating this costs on average about $900. Beagles may also suffer from lameness and limping ($700). Boxers may suffer from masses ($900). English bulldogs may need treatment for Cherry Eye ($1,100). Dachshunds may be diagnosed with intervertebral disc disorder ($3,200). Poodles may suffer from epilepsy ($200 – $15,000), and Labrador Retrievers may be prone to masses ($1,100).
Not every purebred dog will have significant health problems, but a purebred may be at greater risk of developing a specific ailment compared to a mixed breed dog. If one of these conditions catches you by surprise, then you may run the risk of being pressed for cash to cover treatment.
Is It Worth It?
With all that in mind, it may be worth it to dog owners to invest in the right pet insurance policy since it could cover all or part of these treatment costs. If you can get the right policy at an ideal cost, then pet insurance makes senses. The cost of coverage will vary considerably depending on both your location and the breed of your dog. It definitely takes research to understand whether or not you should invest in a policy.
For many pet-owners, the peace of mind that comes with pet insurance is what makes it worth it. In that case, if you can afford pet insurance, it may be a worthwhile investment for both you and your pet.
At any rate, the decision to get pet insurance is a personal and financial decision that is an important one for any family to make. If your pet gets sick or is injured, you don’t want to be in the position to make a tough call on paying for treatment.
If you factor pet insurance in to your budget already or if you just have deep pockets, then you may have an easier time with less hassle when dealing with emergencies.
By Andrew from LendEDU – a consumer education website. He’s a fan of both cats and dogs!