Shih Tzu Pet Insurance

A Guide To Buying Pet Insurance For Shih Tzu

Shih Tzu pet insurance is much easier to buy these days, and the plans are much better than even 5 years ago.

However, when buying Shih Tzu pet insurance you have to make sure you are getting good value for your money.  Once you consider you will be spending roughly $30 to $50 dollars a month every year for 10 to 15 years, you can start to put into perspective just how expensive pet insurance can be.

Some people justify buying Shih Tzu pet insurance by saying that it covers the cost of spaying, neutering, and vaccines.

But ask yourself, how often you get your dog spayed? Just once.  How often do you get your dog vaccinated? Now it should be once every three years.

Is paying $37 a month, every month, every year worth having these one time expenses paid for with pet insurance.

Pet insurance companies make their money on knowing that most Shih Tzu are healthy.  Instead of paying money to that pet insurance company why not consider just paying yourself and putting that money into a pet emergency fund.  That why you have your own brand of Shih Tzu pet insurance and don't have to worry about getting your money back.

If you do decide to buy pet insurance for your Shih Tzu you will be faced with a very complicated task.  Once you start looking at plans you will notice that there are lots of options for each plan.

Do you want routine coverage, emergency coverage, wellness coverage, etc? The plans are confusing, which is likely what pet insurance companies want.

After adding on all the extra little coverage, Shih Tzu pet insurance can be very expensive. 

Pet insurance also had a lot of limitations about who or when your Shih Tzu will be covered.  Most pet insurance companies will not let you buy pet insurance for old Shih Tzu.  Most companies only want to insure dogs less than 6 to 7 years of age.  Older dogs have more problems, so they are less like to get coverage.

Also you have to be aware of preexisting conditions.  A preexisting condition a disease that is present before or at the time of pet insurance purchase.

If your Shih Tzu has diarrhea during the waiting period after you purchase pet insurance, it is labeled as a preexisting condition and will not be paid for. 

In fact if your Shih Tzu has diarrhea again in the next several months it is very easy to say it is a preexisting condition and not cover it.

So when buying pet insurance you have to be aware of what kind of value you are getting for your dollar.  Examine lots of different plans and be sure to take the time to understand what you are covered for.  Buying Shih Tzu pet insurance does not have to be difficult when done in an educated manner.