As our lives get busier, our dogs have been increasingly ignored at home and a rising number have been suffering from psychological issues. As a result, pet insurance companies are seeing a massive rise in claims for conditions including anxiety, depression and aggression.
The Co-operative Insurance in England has 21,000 pet customers. In the past three years, they have seen a sixfold rise in claims. This year they have received more claims than they did for all of 2014. 8 in 10 of the claims are for dogs.
READ MORE: IS YOUR DOG DEPRESSED?
“Life is getting much more complicated for dogs. Owners lead much busier lives and many, when they are at home, sit hunched over their laptops, effectively ignoring their pets. However, we’re also more enlightened these days about our dogs’ health. We know it’s not normal for a dog to be upset and so we seek help for them in the same way as we would for a family member,” says Beverley Cuddy, editor of Dogs Today magazine.
Treating psychological issues in pets is not low-cost and bills for medication can carry a cost of over $150. To rehabilitate an aggressive dog can cost more than $1,500.
Behavioral issues have been included in insurance policies for many years. In recent years it has become a key part of policies as owners see the benefits of medication treatment and pet therapy.
If you are experiencing behavioral issues with your dog and you are looking to purchase insurance to help with treatment it is important to look closely at how much each plan will cover per year. For example, certain companies will pay out up to $4,700 per year for behavioral issues. Others cover $3,000 for all vet visits, including up to $1,500 a year for mental and psychological treatment.
Pet policies that cost the least per month usually do not include behavior coverage so it is best to shop around and find the best package for your dog and your wallet.