Dog Insurance Overview

What is Dog Insurance?

Dog insurance is health insurance for your puppy. Covers unexpected veterinary bills due to accidents and illnesses. Some pet insurance companies also offer optional options for wellness coverage that helps pay for annual visits and vaccinations.

What Does it Cover?

Standard dog insurance covers accidents and illnesses, ranging from surgery to remove a swallowed sock and comprehensive cancer treatment. Here’s a more detailed one Breakdown of what a standard plan covers.

Accident and Illness Coverage

 Accidents Illnesses
 X-Rays, Blood Tests, etc. Surgery
 Hereditary Conditions Hospitalization
 Congenital Conditions Prescription Medications
 Chronic Conditions Emergency Care
 Cancer Specialty Care
 Diagnostic Treatment Alternative Treatment
Pre-Existing ConditionsPreventative Care

Wellness Care Coverage

And if you’re looking for routine care, you can add a wellness plan that covers annual checkups and tooth cleaning, for example. Here is a detailed breakdown of what the typical wellness plan covers.

 Annual Exams Blood Tests
 Vaccinations Microchip
 Health Certificate Behavioral Exam
 Heartworm Tests Urine Tests
 Deworming Fecal Test
 Pre-Existing Conditions Preventative Care

How Does Dog Insurance Work?

Suppose you have an active puppy who likes to hunt tennis balls. An unfortunate but common accident is a broken knee ligament that may need surgery (TPLO). The results of the TPLO surgery are great for dogs, but the cost of a single knee surgery is $ 6,000!

Claim Example:

$6,000    Cost of Surgery
x 90%    Reimbursement
– $250     Deductible
$5,150    Savings!

Benefits of Dog Insurance

If dog insurance weren’t worth it, it wouldn’t exist!

Over one million dogs are insured in North America, and the main reason dog owners take out pet insurance is “peace of mind”. Here are other advantages of dog health insurance:

  • You can make decisions about your dog’s health without worrying about money.
  • You can take your dog to an authorized veterinarian, clinic, or hospital without restrictions
  • Allows you to budget for unexpected health problems that can occur every month

Common Dog Health Issues and Vet Costs

This year alone, pet owners will spend more than $ 16 billion on veterinary care. If Fido can’t resist eating, he lifts his feet, has an accident, or gets sick. You want to know that you can get the best veterinary care without going to the bank. Just look at the cost of certain diseases that usually affect dogs.

Frequently Asked Questions

Is My Dog’s Breed Eligible for Coverage?

Yes! All dogs, all breeds altogether states are eligible for pet insurance. The key is to register while your dog is young and healthy because It does not cover pre-existing conditions and the cost of young dogs is lower.

Can a Dog of Any Age Enroll in a Plan?

Any dog ​​of any age can join pet insurance. Most companies, however, require that your dog be at least eight weeks old at the time of registration. Some Companies also have age limits for specific coverage. Therefore, it is important to compare plans and prices to ensure that your puppy is fully covered.

Puppy Insurance Details

Puppy insurance helps pay for veterinary care if your dog gets sick or injured. Reimburses you for the treatment of broken bones, swallowed and inherited socks. Conditions Basically, all unexpected health problems of your puppy are covered.

The best time to take out pet insurance is when your dog is young and healthy.

These are the main reasons why it makes perfect sense to take out pet insurance while your dog is a puppy.

  • Pet insurance costs less the younger your pet is. Register early for cheaper prices!
  • Existing conditions are not always covered. Log in while your puppy is healthy.
  • Puppies are prone to accidents and object swallowing. Insurance offers security
  • Emergency veterinary care can cost thousands of dollars. Most dog owners only know how expensive it is to be confronted with one Veterinary clinic.

Coverage for Older Dogs

With increasing dog age, the need for veterinary care increases. Of course, since your pet is part of the family, you want to meet any medical needs that may arise. However, high quality animal care can be expensive.

Fortunately, insurance can help make healthcare more affordable. However, pet insurance for older dogs is complicated and can pose general challenges This is not a problem for younger animals.

Age does not necessarily prevent your pet from taking out insurance. At PetInsuranceQuotes.com you can get quotes and compare plans to find the best pet safe for older dogs.

As an older dog owner, there are a few things to consider when taking out insurance.

Although insurance for older pets is generally possible, this may not be the case for older dogs. Buy pet insurance for dogs 9 years and older Age can be difficult for some pet insurance companies as they may have set age limits.

These insurance companies do not register pets aged 10 to 12 years or older. Ideally you would like to take out pet insurance for dogs from the age of nine, and you should avoid it from expiring.

Age is one of the factors that affect the amount you pay for pet insurance. The older the dog is, the higher the costs as a risk of illness and Diseases increase with age.

Regardless of the age of your pet when it was first insured, the insurance price increases with the age of 5-10% per year. The real cost Insurance depends on the insurance company you choose.

This is one of the reasons why it is so important to get a PetInsuranceQuotes.com offer when it comes to choosing the best pet insurance for older dogs.

When comparing plans, there are other important considerations besides finding the cheapest pet insurance for older dogs. For example, some problems You can limit the specific coverage you can get.

For example, pet insurance does not cover existing conditions. This means that if you try to get insurance after your pet gets sick or injured, The insurer does not pay claims related to this specific illness.

In some cases, an insurance company can refuse to insure your pet. However, if your older dog has a congenital or inherited disease, claims may be covered according to the insurer.

Although these are not included in the existing conditions, you should check whether they are covered by the insurance company of your choice.

One way to determine if your pet is already ill is to request a free veterinary exam. This excludes any existing conditions that are unknown and can avoid expensive surprises later.

Coverage for Small Dogs

Small dogs are versatile. You can sit on your lap while watching your favorite show or chasing tennis balls in the back yard. Small dogs are unique. You must be He looked after and looked after big dogs differently. From the food you give your little dog to the leash you choose, small dogs differ from big dogs.