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Cocker Spaniel Insurance

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Pet insurance for Cocker Spaniel dogs made easy!

Cocker Spaniels are popular dog breeds who are super smart and energetic. They are friendly sociable dogs that love playing, swimming, and chasing. Cocker Spaniels are also sometimes known as English Cocker Spaniels. Pet insurance can help you provide better healthcare facilities for your dogs at reasonable costs.

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What are the benefits of Cocker Spaniel Insurance?

Though dog insurance isn’t a legal requirement like microchipping in the UK, it is invaluable if you consider the associated benefits. Buying the right type of insurance for your Cocker Spaniels can help you cover up to 70 – 90% of medical costs. Opting for a dog insurance policy will enable you to cover:

Veterinary Treatment Expenses

Cocker Spaniel Insurance will allow you to claim medical treatment costs. It may involve costs such as medication, disease diagnosis, surgery, or other health-related expenditures for your dogs.

Third-party Payables

What if your dog hurts someone or their property? With the right type of insurance cover, you will be eligible to claim any legal or other third-party liabilities incurred because of your dog’s actions such as hurting or killing someone or their pets, damaging someone’s property, etc.

Costs to Recover Missing Pets

Having insurance can help you finance the costs of finding your missing pets. If you need money for advertisement costs for finding your dogs, it can be claimed from the insurance company. Sometimes rewards are announced to find lost pets. Insurance companies usually fund the reward costs for finding your pets. Insurance companies charge low premiums for microchipped dogs as it’s easy to find them.

Kennel Fee

If you need emergency care and get hospitalized, the cost to care for your beloved Cocker Spaniels is paid by the insurance companies. So, you need not worry about the well-being of your dog when you are in a hospital.

Travelling Costs

If your pet falls ill during international travel, you can get medical assistance from a veterinarian abroad. The treatment costs for overseas travel can be claimed from the insurance entity if you have opted for overseas travel add-ons.

Therapies Expenditures

Your vet may recommend therapies for the recovery of your dog from some diseases such as fractures. Therapy expenditures are mostly claimable and you can get reimbursement for these expenses from your insurance provider.

What are the different types of Cocker Spaniel insurance policies?

Usually, there are four main types of Cocker Spaniel insurance policies. Compare all the types to decide which policy best suits your Cocker Spaniel breed.

1

Lifetime Insurance Policy

It is the most extensive pet insurance policy that covers your dogs for injuries and illnesses throughout their lives. An annual limit for each disease is pre-decided and amounts over and above that figure have to be paid out of your pocket. The insurance policy renews each year and resets the amounts for each ailment to zero. This means even if coverage for diseases expires in the current period, it will refresh once you renew your policy for upcoming periods.

Lifetime insurance suits dogs experiencing ongoing health conditions as a specific budget is set for each medical condition. The amount refreshes when you renew your policy at the start of an upcoming year. It means you can claim maximum reimbursement for recurring health issues. Cavalier King Charles, German Shepherd, and, Cocker Spaniels are among those breeds who are more prone to health issues. Therefore, buying lifetime insurance for them can help you save thousands of pounds each year.

2

Maximum Benefit Cover

In this coverage, a financial cap is set for each medical condition your Cocker Spaniel may experience. Unlike time-limited insurance, there is no limit for time during which you can claim reimbursements. However, a limit is placed on the maximum budget level for each disease. Once that limit is reached, you are no longer eligible for any cost related to that specific disease.

This insurance policy suits dogs who are experiencing chronic or ongoing health issues. You are eligible to put any claim covered under insurance either it’s injury or illness. There’s no annual renewal procedure for the maximum insurance policy

3

Time Limited Insurance

In a time-limited insurance policy, a specific pre-decided amount is set for diseases for a restricted period of 12 months. You can claim for diseases as long as the financial limit hasn’t been reached or 12 months hasn’t been exhausted, whichever happens earlier.

This means you cannot claim any reimbursement even if one condition is reached. Therefore, this policy isn’t very suitable for Cocker Spaniels experiencing ongoing chronic health issues or pre-existing conditions. Time-limited insurance policy is an affordable choice for pet owners who are looking to cover their dogs for cheap coverage options during a specific time.

4

Accident-only Coverage

It is the cheapest insurance form available for dogs to protect them from accidental injuries. You cannot claim any illnesses in this cover as it only covers post-accidental treatment costs. Accidental cover is the most basic option suitable for puppies who are more prone to accidents. You can claim costs related to the treatment of injuries incurred as a consequence of accidents. This policy allows you coverage for vet treatment expenses, medication, and surgery costs related to injuries. A specific amount is set for injuries you claim during a year.

You can also buy specialist coverage for pre-existing diseases or other specific health issues for your Cocker Spaniels. However, the charges for specialist or tailored insurance policies are usually higher than other insurance policies.

What are common health issues found in Cocker Spaniels?

Being a Cocker Spaniel pet parent, you are responsible for providing them with all the needed care. You can manage and minimize medical-related costs with the right dog insurance policy. Knowing health issues commonly found in Cocker Spaniels can assist you in choosing suitable insurance for your dogs.
Here’s a brief description of some common ailments found in Cocker Spaniels:
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Hip Dysplasia:

It is a condition in which dogs experience pain while standing or walking. Dogs experience this disease when the ball and socket joint in the hip don’t fit together correctly. The signs of this disease include limping, struggling during walking, and wobbling. The treatment of this issue in dogs may vary depending on the severity of the problem. Vets may recommend anti-inflammatory medication, therapy, exercise routines, or surgery considering the the seriousness of the disease.
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Acral Mutilation Syndrome

It is an inherited disorder in Cocker Spaniels that affects the nervous system. It is a sensitive condition in dogs as they experience loss of pain sensation. This disease mostly appears when your puppies are three to five months old. They may lick and even chew their feet causing harm to themselves as pain sensation is lost.
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Generalised Progressive Retinal Atrophy

GPRA is an eye problem in Cocker Spaniels. The symptoms usually include poor vision in dim light. Dogs affected by this disease are reluctant to go outside when it’s dark. This disease may lead to cataracts which impacts eyesight being cloudy. If you face any such problem in your dogs, consult a vet for treatment of the disease in the early stages.
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Otitis Externa

Cocker Spaniels can experience ear infections because of the accumulation of dirt or bacteria. It causes inflammation in the external ear canals of cocker spaniels. To save your dogs from this disease, try to clean their ears on a regular basis. Otitis externa causes inflammation in the ears that could be painful and unbearable for your dogs. Whenever you see any signs of ear infection, bring your pets to the vet immediately to help relieve the pain and irritation.
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Retinal Dysplasia

It is an eye disorder in Cocker Spaniels in which the retina doesn’t develop properly. This may lead to blindness in your dogs. Signs of retinal dysplasia aren’t obvious, and mostly this disease gets diagnosed when your dog experiences sudden blindness. There is no cure for this disease.

Which factors should be considered while choosing a Cocker Spaniel insurance policy?

  • Before buying Cocker Spaniel insurance, you must pay attention to the following factors:
  • Decide the type of insurance cover most suitable for your Cocker Spaniel breed.
  • What’s an affordable excess amount you must agree to pay before making an insurance claim?
  • Look for loyalty discounts while renewing insurance.
  • Consider which add-ons to acquire, e.g. dog travel insurance, routine checkup, flea treatment, vaccination, etc.
  • Coverage for heredity health conditions.
  • Check for discount coupons available for wellness care policies
  • Age limit for buying older dog insurance.
  • Price of insurance policy you’re opting for.

Does Cocker Spaniel’s insurance cover heredity health conditions?

The coverage for genetic issues varies from one insurance company to another. Some insurance providers allow coverage for genetic health conditions, while others may charge you extra pounds to add cover for these conditions. Few insurance entities specifically exclude breed-specific heredity health problems. So, you need to decide the insurance policy carefully for Cocker Spaniels who are experiencing genetic health issues.
The type of insurance policy you select is also an important determinant factor that decides whether you will be covered for genetic conditions or not. For example, if you choose accident-only coverage, then there won’t be any coverage for heredity conditions or other ailments, as it only covers treatment costs related to accidents. Therefore it is essential to read the insurance terms carefully and ask the service provider to guide about coverage details. This will help you decide the most suitable dog insurance for your Cocker Spaniels.

How to get a cheap insurance policy for Cocker Spaniels?

Pet insurance is not a one-off cost, as you need to pay it (either monthly or yearly) as long as you want insurance. Therefore, choosing a cheap insurance policy helps to continue insurance protection for your pets over an extensive period. It is important to decide the type of policy first, and then look at price comparison to find a cheap service that meets the needs of your dogs.
Here are a few ways by which you can reduce the overall cost of dog insurance:

  • Get multi-dog insurance discounts by insuring multiple pets under one policy.
  • Preventive care can help reduce the risk of major diseases. Insurance premiums for healthy dogs are lower than for dogs who are experiencing pre-existing conditions.
  • Get multiple quotes to compare prices and find affordable insurance for your dogs.
  • Spaying / neutering dogs can help reduce the risk of various diseases and health conditions. This is why insurance companies charge less for the neutered dog.
  • You can lower the cost of insurance by increasing the amount of excess.
  • The probability of lost or stolen pet liability is reduced when dogs are microchipped. Therefore, buying insurance for microchipped dogs is less costly.
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Cocker Spaniel Pet Dog sitting in a home garden

Frequently Asked Questions

What is the perfect age to opt for Cocker Spaniel insurance?

You can insure your Cocker Spaniels as early as they are eight weeks old. It is the best time to buy insurance because it’s unlikely that your puppy has experienced any major health problems. If you go for puppy insurance, you won’t face any issues with reimbursement as there will be no pre-existing health issues( usually excluded from insurance).

What are common exclusions for Cocker Spaniel insurance?

Dog insurance policies usually don’t cover costs related to the treatment of pre-existing health conditions, dental care, spaying or neutering, vaccinations, preventive care, dog grooming, breeding, birth, pregnancy costs, microchipping, etc.

How much does it cost to buy insurance for Cocker Spaniels?

Insurance price for unwell pets depends on the age, breed, type of cover, and the vet fee services you demand. The insurance premium figure reflects the combined effect of all these factors. So, you need to disclose your dog’s details first with the insurance providers to get an estimated quote price. Older dog insurance is usually more expensive than other insurance coverage options.

Why older dog insurance is more expensive?

If your Cocker Spaniels are older, buying insurance for them is likely to cost you more. The insurance providers usually assume older dogs to be at high risk of disease and therefore there is a greater risk of veterinary expenses. You must compare cheap dog insurance quotes to find an affordable insurance policy for your older dogs.

How to keep your Cocker Spaniel Healthy?

You can lower the cost of insurance by taking good care of your pets from the moment they enter your house. To keep your Cocker Spaniel healthy give them a good quality diet and maintain a proper exercise routine. Monitoring your dog’s diet can help reduce health issues caused as a result of obesity. Vaccinating your dogs can also lower the risks of certain ailments. Dog grooming activities such as brushing their teeth and keeping their coats clean can also reduce the risk of dental diseases and skin infections.