Dog Insurance : Benefits and Types

Dogs can bring a blissful feeling in the house with a mixture of pleasure and security. Dogs are treated as one of the family members and thus it is mandatory for the pet owners to take responsibility for dogs’ well being too. In his lifetime a dog dog can fall sick, get injured or get stolen/lost. Under such circumstances, dog owners are advised to take the assistance of dog insurance as a perfect solution.

On an average, dog owners visit the veterinarian 2.3 times in a year for health check-ups and getting treatment for their dogs. This makes it an approximate sum of $211 per year. This can jump significantly if dog comes across a sudden unforeseen injury or other serious illness. There are other times when people have to go out of the station and leave their dogs at boarding kennels which is extremely unaffordable. Also, dog prescription drugs are not cheap.  This is where dog insurance comes to rescue. Dog insurance provides financial security to dog owners while ensuring their loved pet receives best and timely treatment.

Benefits of Dog Insurance

One of the key reasons to buy dog insurance is saving money while not compromising with dog's health. There are various costs involved as a pet dog owner – food, bedding, toys, grooming and vet costs. Dog insurance can really prove to be a very useful decision where dog insurance holders are entitled for reimbursements against:-

  • Monthly heartworm prevention
  • Yearly vaccinations
  • Monthly flea
  • Tick prevention

Most dogs are prone to various illness and injuries. One key reason is their nature itself, they run behind the vehicles, get into brawls with other dogs, accidentally ingest poisonous substances and sometimes even break their legs while playing. In addition to the injuries, dogs have the propensity to fall ill with diseases like:-

  • Seizures
  • Hip displacements
  • Respiratory infections
  • Mange
  • Arthritis
  • Eye problems
  • Influenza
  • Diabetes
  • Heartworms
  • Cancers
  • Tumours
  • Stomach bloat

dog insurance

All of the aforementioned problems can lead to a heavy burden on the pocket. Dog insurance covers all the costs associated with x-rays, blood transfusions, CT scans, surgeries and other medical procedures. All these medical procedures are life-saving but costly. Due to lack of such treatments, their conditions may aggravate even leading to untimely deaths. This one of the most unfortunate for a dog owner, thus its advisable to take proper dog insurance to ensure healthy and long life of the dog.

Best dog insurance companies provide coverage for both preventive as well as emergency care. However there are various aspects of coverage but most of the companies cover following aspects:-

  • Poisoning
  • Cancer
  • Kidney disease
  • Heart disease
  • Vaccinations
  • Boosters
  • Surgeries
  • Infections
  • Routine dental care
  • Injuries
  • Prescription drugs
  • Arthritis
  • Spaying
  • Neutering
  • Dog liability
  • Hospital stays

Types of Dog Insurance

There is a specific increase in the number of dog insurance policy holders due to the adoption of latest medical techniques and heavy price tag attached with them. Before taking any types of dog insurance, people should know that dog insurance can be divided into five types namely:-

  • Dog life insurance
  • Dog medical insurance
  • Dog dental insurance
  • Dog liability insurance
  • Dog breeder insurance

Dog Life Insurance

This type of insurance is not evident with middle class pet owners because it requires considerable amount for investment on dogs. Sometimes, it is also considered as an additional advantage to the dog health insurance plans. In past some heartless dog owners have intentionally killed their dogs for getting the insurance amount and due to this reason, it is not offered as a standalone insurance plan. After dog’s circumstantial demise, pet owner would liable to get a reasonable amount equal to the amount spent for purchasing the dog. There are higher premium amounts for this type of insurance and people should only go for it when it is offered as a supplementary plan with another insurance plan.

Dog Medical Insurance

Dog medical insurance provides coverage against general categories like accidents, wellness care and routine checkups. At the same time, its comprehensive plans cover wellness, cancer and accidents. Before making commitments, people should assess following conditions like pre-existing conditions, particular vets allowed for the visit and other common exclusions from the plan. 
This is often recommended to take a dog medical insurance before dog develops any kind of pre-existing medical condition like allergies. Allergies are considered as incurable in pet insurance and apart of allergies, pet insurance companies do not cover other pre-existing conditions like arthritis, cancer, bone abnormalities and diabetes. Moreover, there should be clear understanding about the vets to be visited and it should come under the policy guidelines of the insurance company. People should look for the companies covering any of the vets in their policies. There are common exclusions from the insurance plans like:-

  • Behavioral issues
  • Dog fighting
  • Prosthetic limbs
  • Organ transplants
  • Cremation services
  • Cosmetic surgeries
  • Human-induced injuries

There are other factors affecting the cost for dog medical insurance. These factors are deductibles, dog’s age, breed and the kinds of coverage.

Dog Dental Insurance

In this type, insurance companies assess the pet owners’ matrix of responsibility towards the teeth of their dogs. Moreover, pet owners are supposed to brush their dogs’ teeth regularly.

Dog Liability Insurance

This insurance is advisable for all the dog owners for covering the medical expenditure of a person who is bitten by the particular dog. These insurance plans can be divided into five parts:-

  • Dog bite insurance
  • Dog kennel insurance
  • Dog home owner insurance
  • Dog walker insurance
  • Dog club insurance

Dog Breeder Insurance

Like dog life insurance, this insurance should also be taken as an addendum to the other insurance plan. Most of the companies do not provide coverage against dog breeding but still, people can search through the market for better assessment.

Major Companies Providing Dog Insurance

There are various major associations providing dog insurance and people can select any of them for dog insurance.

Veterinary Pet Insurance : VPI represents one of the top-notch policy providers in dog insurance. They are different in providing dog insurance even when the dog owner is travelling across the globe.

PetsBest Dog Insurance : This company has also managed to provide worldwide dog protection like VPI. There are various plans and alternative treatment schemes in their plans.

24PetWatch Dog Insurance  : It provides 4 higher lifetime benefit plans and user is entitled to choose any of them. It does not provide coverage for pre-existing conditions.

PurinaCare Dog Insurance : It offers 2 levels of insurance security along with additional wellness coverage. 

PetPlan Dog Insurance : It offers 3 levels of insurance plan with changeable cost and protection. There is another inclusion of alternative treatment like acupuncturing. It is the only company offering one month money back guarantee.

Embrace Dog Insurance : This company offers accident plan which includes coverage for pre-existing medical condition. There is full coverage plan for all the healthy dogs.