Belgian Malinois insurance

Belgian Malinois Insurance Made Easy!

Belgian Malinois are a fearless, strong and energetic breed, also known as Belgian Shepherd. This breed is more suited to experienced pet owners. Belgian Malinois is an intelligent working dog used by military and police departments.

People also use this breed as a guard dog. Early socialisation and training are a must for this breed to avoid any aggression issues. You are responsible for providing them with all the healthcare facilities needed to live a healthy life. Therefore, buying dog insurance for Belgian Malinois is a cost-effective way to manage medical costs.

What is included in Belgian Malinois insurance?

Dog insurance companies typically cover the following costs when you opt for insurance:

Health Issues

If your Belgian Malinois faces any health issue, you can claim the treatment expenses from your insurance providers. You must read the policy terms carefully to understand which illnesses are claimable. Go for an insurance company that allows coverage for common health conditions found in the Belgian Malinois breed.

Accidents

You can buy an accident-only insurance policy to get financial assistance for all accident-related expenses. Accident-only insurance is specifically designed to help pet owners pay the fee related to injury treatment.

It may include cost coverage for fracture, surgery, medication, diagnostic, and anaesthesia procedures. However, if the financial cap is reached, you cannot make any further claims.

Heredity Conditions

Purebred dogs are more susceptible to genetic health conditions than mixed breeds. It depends on the insurance provider you have chosen whether it allows coverage for genetic health conditions or not. While choosing an insurance policy, look at the coverage details to find out which diseases are covered.

Vet Treatment Fee

Insurance companies allow you to claim vet treatment fees up to a specified amount. You can claim vet treatment costs like medication, treatment fees, hospitalisation, surgery, or diagnostic testing expenses from the insurance providers. If the financial limit is reached, then you have to pay the remaining vet bills out of your pocket.

Missing Pet

If your Belgian Malinois gets stolen or is missing, then you may need financial assistance to recover it. Insurance companies allow cost coverage for missing pets to assist owners in finding their beloved furry companions. The cost coverage for missing pets includes advertisement or reward expenses to the finder of your dogs.

Kennel Fee

If you need hospitalisation in an emergency, then the cost of caring for your dogs in a kennel during your absence is financed by the insurance companies.

Third-party Liability

You might need to pay third-party liability claims if your Belgian Malinois has accidentally hurt someone or damaged their property. You can claim these third-party payables from the insurance companies if they allow coverage for legal costs.

Which costs are excluded from Belgian Malinois Insurance?

Here are the costs that are usually not claimable when you opt for Belgian Malinois insurance.

• Preventive Care: Costs such as dental care, flea treatment, vaccination, etc., are excluded from pet insurance policies.
• Dog Grooming: You need to finance dog grooming costs out of your pocket, as they are not covered by insurance.
• Breeding: Dog breeding, pregnancy, and birth-related costs are not claimable.
• Spaying/Neutering: You have to pay dog neutering or spaying expenses out of your pocket as they are excluded.
• Routine Vet Costs: Routine vet visits are not included in dog insurance policies. You have to pay these expenses on your own.
• Dog Microchipping: Mirchipping is a must requirement for all dogs in the UK. This cost is not covered by any insurance policy. However, insurance policies for microchipped dogs are a bit cheaper than others.

Tips to Reduce Insurance Costs

Insurance is not a one-time expense, it’s of an ongoing nature. You have to pay the insurance fee either monthly or yearly depending on the type of payment plan you have selected. Therefore, choosing affordable insurance for your Belgian Malinois is essential to reduce the financial burden. Here are a few legal ways to help you lower the costs of Belgian Malinois dog insurance:

• Excess or co-payment: By selecting an excess or co-payment option, you agree to share the bill with the insurer. Whenever your dog falls sick, you can claim the agreed amount from the insurance provider and pay the rest out of your pocket. Insurance costs for pet owners who opt for excess or co-payment are comparatively less.
• Multi-dog Insurance: Insure your Belgian Malinois and other pets dogs together under one policy. When you insure multiple dogs together with the same insurance provider, the overall costs are reduced by 10 -1 5 %. Multi-dog insurance discounts can be reclaimed when you renew the insurance policy for upcoming years.
• Discounts: You should negotiate the price with the dog insurance providers to offer you a loyalty or first-time discount. It will aid in reducing the cost of insurance for your Belgian Malinois.
• Annual Payments: Monthly insurance is comparatively more expensive than annual payment plans. Therefore, if you wanna decrease the cost of insurance, choose an annual payment option.
• Compare Quotes: While choosing a dog insurance policy, you must get multiple quotes from different

insurance companies. Compare the quotes in terms of price and services. It will help you select a cheap insurance policy for your furry buddies.

What are common health concerns in Belgian Malinois?

Belgian Malinois is known for its workability and intelligence. Like any other dog breed, they may also experience health conditions in their lifetime. Older dog insurance is more costly than puppy insurance as the risk of disease is higher in senior age. This is why it is always recommended to get insurance at an early age.

The vet treatment fee is difficult to manage on your own. With the right type of dog insurance, you can easily manage the vet treatment without worrying about associated finances. Some of the common diseases Belgian Malinois may experience are:

Hip Dysplasia

It is a disease in which the femur bone does not fit into the hip bone. This is a genetic condition but some environmental factors like obesity, injuries, or rapid growth might also trigger this disease. The common symptoms of this ailment include lameness, pain, and difficulty while exercising or walking. Whenever you observe any signs of hip dysplasia, consult the veterinarian for treatment. The vet may recommend medication or surgery depending on the severity of the issue.

Bloat

GDV or bloat is a life-threatening condition common in dogs when dogs stomach flips and becomes enlarged. Whenever your dog experiences this issue, you need to rush to the hospital immediately. Some common symptoms of Bloat in dogs include restlessness, sudden collapse, breathing problems, unproductive vomiting, panting, and pale gums.

Cataracts

Belgian Malinois can experience vision problems in their lifetime. Cataracts might result in poor vision due to cloudy eyes which may lead to blindness if not treated. The vet usually recommends surgeries to cure cataracts.

How to claim insurance for Belgian Malinois?

The dog insurance claim process depends on the insurance providers you have chosen. The reimbursement method varies from company to company depending on their terms and policies.

• Sometimes insurance companies ask you to get treatment for your dogs from some specified vet clinics. Whenever your pet falls ill, you have to take them to those clinics for treatment. You don’t need to pay the fee, as insurance providers directly pay them.
• Other insurance companies might require you to put in a claim for the vet treatment expense you paid. For this, you need to submit the payment evidence either online or physically for claim verification. To make a claim you need to go to the official website of the dog insurance company and follow the claim process. Sometimes insurance entities have mentioned specific helplines or contact numbers to apply for a claim.

While taking out insurance for your dogs, ask the insurance providers to guide you through the claim process. It will help to estimate how long it takes to get back your money expensed for your dogs.

How to choose the right insurance policy for Belgian Malinois?

Choosing the right type of insurance policy for Belgian Malinois is important to get coverage for health concerns they may experience. While taking out a pet insurance policy, you must look at the extent of coverage to ensure whether it meets the needs of your dog. Here’s a stepwise guide for insurance policy selection:

• First of all, search for insurance companies that offer pet insurance services for the Belgian Malinois breed. You must look at public reviews for the insurance company you opted for to ensure that the company is trustworthy and satisfies insurance claims.
• Decide the type of coverage policy that aligns with the requirements of the Belgian Malinois breed. Choosing accident-only insurance for dogs with a high risk of ailments will not be beneficial, as it does not cover any illness costs. So, it’s needed to read the detail of types of insurance and choose the one which best suits your dogs.
• Compare the insurance prices to identify a cheap yet comprehensive coverage for Belgian Malinois. We can help you compare insurance policy costs by taking multiple quotes from dog insurance companies in the UK. It only takes a few minutes and you will be able to know which policy meets your budget requirement.
• Always check the waiting period limit as most of the insurance providers do not allow any claim until the waiting period expires. Symptoms or diseases diagnosed during the waiting period are not covered.
• Read the policy terms and conditions in detail to know any hidden costs. If you sign the insurance agreement without reading it carefully, you might face difficulty in claiming some costs.

Frequently Asked Questions

What are some common health conditions in Belgian Malinois?

Belgian Malinois breed can experience multiple health concerns in their lives. It may include hip dysplasia, elbow dysplasia, cataracts, hemangiosarcoma, pannus, and GDV.

What is the average lifespan of Belgian Malinois?

Belgian Malinois has an average lifespan of around 10 -14 years. The life expectancy varies depending on the health of your dogs. If you follow a proper preventive care routine, and your dogs are healthy at senior age, then the likelihood of reaching the upper age limit is higher.

Does Belgian Malinois insurance cover pre-existing conditions?

Insurance policies do not cover any pre-existing conditions your dog may have. This is because insurance companies expect to pay a high number of claims for pre-existing issues. That’s why all these conditions are excluded and cannot be claimed even if it was diagnosed during the waiting period.

Is Belgian Malinois a high or low-maintenance breed?

Although Belgian Malinois is relatively easy to manage due to their medium-sized and short coats, they are a high-energy breed that needs plenty of exercise and physical activities to stay engaged. They need socialisation from an early age to avoid any aggression issues.

How to get a cheap dog insurance policy?

To get a cheap Belgian Malinois insurance policy, you must compare the market. It will aid you to know which insurance providers allow maximum conditions coverage for a low cost. Furthermore, you can request first-time, loyalty or multi-dog insurance discounts to get cheap insurance.

What are the types of insurance policies for Belgian Malinois?

There are four main types of insurance policies available for Belgian Malinois including lifetime, time-limited, maximum benefit, and accident-only insurance. You should select the right type of policy considering the basic requirements of your pet. If you are looking to get insurance that allows comprehensive coverage, then opt for a lifetime policy.

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