How to Select Best Dog Insurance ?

Dogs are one of the most adorable pets in world and dog owners give their best for providing safety to them. Dog insurance is a great way to ensure that you are able to provide whatever medical care is required by your dog whenever required. But sometimes taking a dog insurance plan may be tricky, because identifying a good plan from many available ones is not always easy. Dog insurance is the most popular pet insurance and various insurance companies offer many kind of plans. What is required is some research to identify the right one for your pet dog. We present here factors which one should consider while taking dog insurance plans and a step by step methodology to identify best one.

Why should one get dog insurance?

But before we start, should you even bother about taking a dog insurance plan? We strongly believe yes! Nowadays, vet fees and medical treatment expenditures are continuously increasing. This rise can be as much as 15% hike every year which directly increases the cost of dog ownership. Ordinary vet expenses may seem redundant but this is impossible to predict the health status of future. For example, medical expenses for a dog suffering from cataract can cost up to $2,400 and treatment cost of an older dog suffering from arthritis can be upto $10,000 in five years! An insurance policy can take pet owner out of the dilemma where one always has to make a choice between finances and dog's well being.

4 step process to select BEST dog insurance

Here we present a 4 step process to get a good dog insurance for your pet.


Steps for choosing dog insurance plan
 

Identify Requirements

What type of coverage you should buy?

There are many options in dog insurance and pet owners should decide upon the required type of coverage after properly scrutinizing the subject. Basically, there are three segmentations of dog insurance namely basic annual cover, mid level cover and high level cover.

select dog insurance

  • Basic Annual Cover : This type of cover is dependent upon the condition with specific time limit. It is the cheapest of all the policies and time limit can be up to a period of 12 months. Basic annual cover is provided against small surgeries, one-off injuries and short-term illnesses. There would not be inclusion of coverage against pre-existing conditions
  • Mid Level Cover : This type of cover is dependent upon the condition with no specific time limit. It is provided against surgeries, one-off injuries and short-term or medium-term illnesses. There may/may not be specific provision for coverage against the pre-existing condition.
  • High Level Cover :This type of policy is also referred to as lifetime policies and it provides coverage against chronic diseases like arthritis, diabetes and cancers. There are two types of lifetime policies namely lifetime limitation and per condition per year limitation.

Less known but important aspects of Dog Insurance?

Apart from providing vet fees your pet insurance can be beneficial for many other pet related problems. Dog owners should know about these aspects:

  • Pre-existing condition
  • Death
  • Missing pet cover
  • Holiday cover
  • Accidental damage
  • Kennel fee

Understanding Dog Insurance

Important Concepts Related to Dog Insurance. Check these before you go ahead and finalize your dog insurance policy :

  • Pet owners need to check if their dog falls under the dog insurance policy guidelines of the insurance company. Some companies exclude working dogs and dangerous breeds due to their behavior and tendency to get injured. 
  • Age is another factor consideration where pet owners need to check the age limitations in the insurance policy guidelines. Some companies do not provide insurance after a specific age and people need to compare it with the age of their dogs. Moreover, some companies offer a percentage of the reimbursement which is supposed to be assessed before getting into a dog insurance plan. 
  • Apart from studying the insurance policies, pet owners also need to do some homework. They should have an idea about what can be anticipated expenditures so that they can take a plan which has such cover limits.
  • Pedigree pets are more prone to theft and illness. Therefore, pet owners should be cautious about their as well as insurance company’s status for provisions for pedigree pets.
  • Pet owners can save more by opting for multi-pet policies. There are various insurance firms offering discounts for purchasing multiple plans. 
  • Micro-chipping is one of the major aspects of consideration when it comes to purchase dog insurance. 
  • Most of the people think that switching from one insurance company to another can lead to losses associated with pre-existing medical conditions of the dog. This concept is not correct. 
  • Never lie while filling the insurance form. If exposed such lies can make a policy worthless and it can lead to severe financial consequences in the future. Therefore, people should always be truthful to the insurance company.
  • Before taking insurance policy, dog owners should not forget about considering annual injections. Without taking them, all the insurance formalities would not be completed. Moreover, people should also check about the whereabouts of the company in case if they go busted in future. 

Company and plan research

Top Dog Insurance Companies

Pet owners should know about different plans of various dog insurance companies and compare as per their and their dogs’ requirements. This research can be done using various online portals companies with specific details about their schemes and features:-

Insurance Company

Type of Plan

Minimum Monthly Rate

Coverage Limits

Attributes

AKC

Essential

$24.75

10% Co-insurance and $125 per incident deductible

  • X-rays, MRIs and CT Scans
  • Prescription medications
  • Hospitalization
  • Surgery

 

Essential Plus

$33.75

20% Co-insurance and $125 per incident deductible

  • X-rays, MRIs and CT Scans
  • Prescription medications
  • Hospitalization
  • Surgery
  • Cancer Coverage

 

Wellness

$52.25

20% Co-insurance and $125 per incident deductible

  • Annual Dental Cleaning
  • Annual Flea Control
  • Boosters & Vaccinations
  • Annual Physical Exam

 

Wellness Plus

$52.25

20% Co-insurance and $125 per incident deductible

  • Annual Dental Cleaning
  • Annual Flea Control
  • Boosters & Vaccinations
  • Annual Physical Exam
  • Hospitalization
  • Expanded Ligament Coverage

Embrace

Budget Conscious

$13.69+

20% Co-insurance, $500 annual deductible, no per incident limit

  • Illnesses & accidents
  • Chronic and genetic conditions

 

Most Popular

$24.77+

20% Co-insurance, $300 annual deductible, no per incident limit

  • Illnesses & accidents
  • Chronic and genetic conditions
  • Prescription Drugs

 

Hartville

Accident Only

$8.99

$100 deductible

  • 80% reimbursement
  • All breeds are covered

 

Basic

$16.61

$100 deductible

  • Accidents and illness
  • Neutering $ spaying
  • Free-of-cost lost pet recovery

 

Value

$30.50

$100 deductible

  • Accidents and illness
  • Neutering $ spaying
  • Essential preventive care
  • Rabies vaccination
  • Annual physical exam

 

Choice

$54.10

$100 deductible

  • Accidents and illness
  • Neutering $ spaying
  • Essential preventive care
  • Rabies vaccination
  • Heartworm testing plus prevention
  • Parasite control
  • Annual dental cleaning

 

 

Best

$76.79

$100 deductible

  • 80 % coverage against accidents and illnesses
  • Neutering $ spaying
  • Essential preventive care
  • Rabies vaccination
  • Free-of-cost lost pet recovery
  • Heartworm testing plus prevention
  • Parasite control
  • Annual dental cleaning
  • Chronic disease coverage

 

Petfirst Healthcare

Core Basic

$24.95

$50 deductible

  • Accidents & illnesses coverage up to $7,500
  • Advertisement & rewards to $250
  • Kennel fee to $250

 

Comprehensive Basic

$29.95

 

$50 deductible

  • Accidents & illnesses coverage up to $7,500
  • Advertisement & rewards to $250
  • Kennel fee to $250
  • Wellness & preventive care up to $100

 

 

Core Preferred

$31.70

$50 deductible

  • Accidents & illnesses coverage up to $7,500
  • Advertisement & rewards to $250
  • Kennel fee to $500
  • Pet loss coverage up to $250
  • Trip cancellation up to $500 for surgery

 

 

Comprehensive Preferred

$39.95

$50 deductible

  • Accidents & illnesses coverage up to $12,000
  • Wellness & preventive care $220
  • Advertisement & rewards to $250
  • Kennel fee to $500
  • Pet loss coverage up to $250
  • Trip cancellation up to $500 for surgery

 

 

Core Preferred Plus

$41.70

$50 deductible

  • Accidents & illnesses coverage up to $15,000
  • Wellness & preventive care $220
  • Advertisement & rewards to $400
  • Kennel fee to $500
  • Pet loss coverage up to $500
  • Trip cancellation up to $500 for surgery
  • Burial coverage up to $100

 

 

Comprehensive Preferred Plus

$49.95

$50 deductible

  • Accidents & illnesses coverage up to $15,000
  • Wellness & preventive care $220
  • Advertisement & rewards to $400
  • Kennel fee to $500
  • Pet loss coverage up to $500
  • Trip cancellation up to $500 for surgery
  • Burial coverage up to $100

 

Petplan USA

Bronze

$7.70+

$200 deductible and 80% claim reimbursement

  • Illnesses, accidents and injuries
  • Hereditary conditions

 

 

Silver

$8.62+

$200 deductible and 80% claim reimbursement

  • Illnesses, accidents and injuries
  • Hereditary conditions

 

 

Gold

$9.63+

$200 deductible and 80% claim reimbursement

  • Illnesses, accidents and injuries
  • Hereditary conditions

Pets Best

Accident A

$5.75

$200 deductible and 80% claim reimbursement

  • No coverage for illness

 

Accident B

$9.92

$75 deductible and 80% claim reimbursement

  • No coverage illness

 

Basic

$20.75

$200 deductible and 80% claim reimbursement

  • Wellness coverage with additional fees

 

First

$30.92

$75 deductible and 80% claim reimbursement

  • Wellness coverage with additional fees

PurinaCare

Plus Preventive

$46.88

$250 deductible and 80% claim reimbursement

  • Accidents and illness
  • Behavior modification
  • Spaying and neutering
  • Annual vaccinations and exams
  • Heartworm and flea medication

 

Without Preventive Care

$31.43

$250 deductible and 80% claim reimbursement

  • Accidents and illnesses
  • No coverage against behavior modification

VPI

Standard

 

$13+
 

$50 deductible and 90% claim reimbursement

  • Standard benefits of dog insurance

 

Superior

$21+

$50 deductible

  • Superior benefits
  • Cancer treatments

Buy the plan

After identifying the best plan for your dog, go ahead and buy it!

Recommendation

Buying insurance for your beloved dog is not complicated as such but with little more effort and research you can ensure you get a great plan satisfying all your needs and requirements.