Insurance for dogs may be divided into three categories.
Puppy insurance which is the cheapest because a healthy young dog is less likely to fall ill than an older one.
Dog insurance which usually lasts until a dog is about ten years old - after which many companies will not insure an older dog, or if they do, charge more money.
Self insurance is when an owner decides to put an amount of money away each week or month to have money available should their dog need treatment.
The main advantage of the last option is that you get to hold on to your money until you need it, but if you don't need it you can spend it on something else!
The disadvantage is that some treatment can cost a lot of money and if you haven't saved enough if your dog falls ill, then you may have to still pay a lot of money that you don't have.
It is increasingly possible to buy insurance for your puppy or dog on a monthly payment basis. This makes it a lot easier on the pocket and should your dog need costly treatment the money is there.
However, the self insurance option may be the only option if you have an elderly dog.
See also: puppy dog insurance
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