How Does Dog Insurance Work?
Dog Insurance is a type of medical insurance for dog and puppy members of your family. Just like us humans, pets can rack up big bills if they get sick or injured. Luckily, veterinary pet insurance (VPI) exists to help you cover the cost of veterinary surgeries, treatments, and procedures that your pet might someday need.
- The best plans offer a variety of deductibles, premiums, annual policy limits, coverage benefits, and features to suit any budget.
- Depending on your policy, pet insurance can reimburse you for up to 100% of covered claims at the vet, including unexpected costs like accidents and injuries. Some plans also cover routine wellness care.
- Also, plans cover you at home or while traveling, so you can take your dog to any licensed veterinarian of your choice, including many emergency or specialty clinics.
- Dog insurance is very affordable, but the benefits can be just as valuable. Many serious pet injuries and illnesses can cost four or even five figures to treat. But with working coverage, you don't have to worry about whether you can afford it. Instead, you can focus on helping your dog or puppy get better.
Here on PetInsuranceFinder you can get instant customized quotes from multiple recommended providers, read the reviews, and buy your policy safely and securely online. It's essential to protect your online security while shopping for cheap quotes, so our service only shows you rates from the best-recommended companies.
As a pet owner, you hope your dog won't ever get seriously sick or injured, but it's something you can't predict. Knowing your pet is protected with insurance can help. You can help ensure your dog enjoys a long and healthy life right by your side.
What does Dog Insurance cover?
What's included with your dog insurance coverage can vary based on the type of plan. Some costs may be reimbursed 100%, while other covered expenses may be reimbursed at 20–90% of the cost. Plus, all plans list exclusions for what isn't covered, so it's important to make a careful comparison of dog insurance coverage before making your choice.
There are three main types of plans. While specific coverage will differ between companies, here's what you can expect from each type.
- Accident-Only Plan Coverage
Most accident-only plans cover injury treatments, such as emergency care, hospitalization, and surgery, for a dog that suffers a cut, wound, fracture, poisoning, snake bite, or another injury. Accident coverage can be a beneficial low-cost choice if your dog is accident-prone. However, accident-only plans don't cover costly treatments for cancer, diabetes, allergies, or digestive issues that are covered by the accident and illness plans.
- Accident and Illness Plan Coverage
Most pet owners opt for a more comprehensive accident and illness dog insurance coverage in case a dog becomes sick unexpectedly or gets into an accident. Accident and illness plans also frequently cover X-rays, diagnostics, prescription medications, specialty care, alternative therapies, chronic conditions, hereditary conditions, and congenital conditions, as long as these aren't pre-existing conditions. Please note: any congenital, hereditary, or chronic conditions that have been documented by your vet before you bought insurance or during the plan's waiting period after sign-up will most likely be considered a pre-existing condition and won't be covered.
- Wellness Plan Coverage
Wellness plan coverage can be added to most accident and illness plans to help you cover planned vet expenses, such as annual checkups, preventative care, vaccinations, and dental cleaning.
When you're shopping for insurance, make sure to take into account what's not covered by a plan so that you're prepared. While some plans may cover accidents involving the teeth, most plans don't include dog dental insurance and won't cover preventative care like dental cleanings. Pre-existing or hereditary conditions, dental disease, behavior issues, and hip dysplasia are other standard exclusions.
Also, note that pet health insurance is different than pet business insurance, so your plan won't include dog trainer insurance, dog grooming insurance, dog walkers and sitters insurance, or dog daycare and boarding insurance.