Why Should I Purchase Health Insurance for My Lab?

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Why Should I Purchase Health Insurance for My Lab?

Having bred Labs for almost 30 years, I have seen just about every type of health care cost. I’ve experienced the pain and the budget crunch when a Lab swallows a stick. Only mine decided to swallow a locust post stick with barbed wire fencing embedded in it—yeah—that was not pleasant to see when it started coming out the other end. It boggles my mind that it didn’t puncture her GI track in some way. We don’t even know how or where she found said stick!

Today, an accident like that can cost you anywhere from $3,000-$5,000 — maybe more if you live in a suburban area. Most Lab owners can’t afford such a blow to their monthly budgets.

How about if your Lab becomes diabetic and you have to administer insulin every day? You are looking at a HUGE monthly expense over the length of his/her life.

Other issues that may leave your wallet crying (but are usually covered by Pet Insurance):

1. Medications for seizures (be sure your breeder is screening for this)

2. Cataracts (again, be sure your Labrador breeder is testing and using CERF and Optigen when choosing their breeding stock)

3. Hip or Elbow Dysplasia – Surgery up to $10,000, pain medications, and then, possibly, anti-inflammatory medication over the course of your Lab’s life.

4. Bacterial Infection of the Blood (Sepsis) in Dogs. Bacteremia and septicemia occur when the persistent presence of bacterial organisms in a dog’sbloodstream becomes systemic, meaning that it has spread throughout the body. This is also referred to as blood poisoning, and septic fever. Sometimes this stems from a dog ingesting a foreign object.

5. Cancer ($10,000-$25,000)

6. ACL tears (very common in labs, especially if neutered or spayed before 24 mos old (joints and growth plates don’t finish growing until 24 mos old)


Small issues that Pet Insurance usually covers:

1. Anal extraction

2. Vet visits

3. Vaccines

4. Wormings

5. Flea/tick medications

6. Skin/coat issues

7. Ear infections

8. Urinary tract infections

9. Teeth cleaning

Pet insurance does NOT cover pre-existing conditions which is why I recommend purchasing it when your dog is a puppy!
Pet Health Insurance can help you give your pets the best care available.

These plans offer coverage for accidents, illnesses, and wellness care with great benefits:

1. 90% reimbursement of usual and customary covered costs
2. Low $100 annual deductible per pet
3. Easy claim filing and online claim tracking

Make sure you won’t have to choose between your pet’s health and your finances with Pet Health Insurance. Get started online.

Click here to sign up for Pet Insurance today! 

Plans are underwritten by the United States Fire Insurance Company and administered by 
PetsMarketingInsurance.com Agency, Inc., a subsidiary of the Hartville Group, Inc

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