Is pet insurance worth it for a Pembroke Welsh Corgi?
A Pembroke Welsh Corgi is renowned for its friendly, perky, and affectionate nature. Originally bred to herd cattle, horses, sheep, and ducks, they still have a strong herding instinct today. However, a Pembroke Welsh Corgi is more likely to suffer from genetic health issues than mixed breed dogs. You should consider pet insurance, so you won’t have to worry about paying thousands of dollars in medical bills when your Pembroke Welsh Corgi gets into an accident or catches a disease.
It’s also essential that you have pet insurance because it will help pay for the costs of having your pet fixed. Having a dog spayed or neutered can cost a lot of money, but this cost will be much lower with pet insurance. Pet insurance also covers any other costs associated with vaccinations and checkups (if you opt-in for a wellness plan).
Common health conditions for a Pembroke Welsh Corgi
We have compiled a list of common health concerns for a Pembroke Welsh Corgi, so you can be aware of what to look out for and hopefully avoid them altogether.
- Von Willebrand Disease: Von Willebrand Disease (vWD) is an inherited disease that causes a deficiency or abnormality of a protein called von Willebrand Factor. It is the most common inherited bleeding disorder in dogs and is seen in a Pembroke Welsh Corgi and other breeds.
- Degenerative Myelopathy (DM): Degenerative myelopathy (DM) is a progressive spinal cord disease in older dogs. The condition has an insidious onset, typically between 8 and 14. It begins with a loss of coordination (ataxia) in the hind limbs. The affected dog will wobble when walking, knuckle over or drag the feet.
- Intervertebral Disc Disease: Intervertebral disc disease (IVDD) is a condition in which there is abnormal degeneration of one or more intervertebral discs, which causes pain, neurologic deficits, and sometimes paralysis.
What does pet insurance cover for a Pembroke Welsh Corgi?
Here’s what pet insurance covers:
- Accidents: If your Pembroke Welsh Corgi has an accident and needs emergency treatment, the policy will pay vet fees. As well as covering any hospital stays and medicines, some policies also cover things like theft or lost pets.
- Illness: Pet insurance can help with costs if your dog falls ill unexpectedly. Most policies include cancer treatments and other serious diseases.
- Routine care: This includes vaccinations, dental cleanings, and spay/neuter procedures. Regular maintenance can also include basic behavioral training, obedience classes, or grooming services.
Just keep to note that most pet insurance providers will not cover pre-existing issues.
How are pet insurance premiums determined for a Pembroke Welsh Corgi?
The following factors can determine premiums for a Pembroke Welsh Corgi:
- Location: if you live in an urban area where vets are plentiful and affordable, you’ll probably pay less than if you live in a region with few vets or only expensive ones. Keep this in mind if you have a specific breed of dog that will require veterinary care.
- Age: The younger your dog is, the lower your monthly premium will be. The older your dog gets, the more likely it will have health issues and the higher your pet insurance premium.
- Deductible: A deductible is an annual out-of-pocket expense you pay before the insurance company begins to cover the costs of your pet’s care. The higher the deductible, the lower the premium.
- Gender: Female Pembroke Welsh Corgi dogs tend to cost less than male dogs because they are usually healthier overall and do not typically have as many health issues that males tend to have as they age.
How to choose the best pet insurance plan for a Pembroke Welsh Corgi
Choosing a pet insurance policy can be overwhelming. Here are a few tips to make sure you’re getting the best coverage for your furry friend:
- Check out the company’s reputation: Like any other service provider, it is essential to know that your pet insurance company has a good reputation for providing excellent customer service and paying claims. Check out reviews from other customers or look at the company’s rating with a business rating organization such as the Better Business Bureau.
- Consider your budget: Pet insurance policies can be pretty expensive, depending on what you want covered. However, it is essential to remember that although some guidelines may seem cheap at first glance, you might have to pay more when claiming for things like vaccinations, flea and worming treatments, or dentistry. If this is the case, it may work out cheaper to pay for these things yourself and save the insurance policy for any unexpected accidents or illnesses.
- Consider pre-existing conditions: When shopping for pet insurance, make sure you understand what a policy will cover. Some policies specifically exclude pre-existing conditions or hereditary conditions that may affect certain breeds of dogs. You’ll want to know if your pet has any type of condition that is not covered before buying a policy to avoid any surprises later on.
- Define your needs: Pets can get sick or injured any time of day or night. So if you plan to use your insurance to reimburse emergency vet bills, make sure your plan offers this type of coverage. Some plans only cover preventative care and treatment for accidents and injuries. Others provide different levels of coverage for both illness and injury.