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Can You Get Dog Health Insurance

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Pet Insurance Does Not Cover Well

Should You Get Pet Health Insurance?

Pet insurance provides coverage for illnesses and injuries only it does not cover preventive and annual checkup-type services, such as vaccines, annual bloodwork, dental cleanings, or heartworm medications.

Some providers offer wellness plans, which are basically the opposite of pet insurance. Wellness plans do not cover illnesses or injuries, but reimburse you a set amount for vaccines and other well-pet services. You can often add a wellness plan to your illness and injury policy for an additional fee. Wellness plans might be a good idea for people who have trouble budgeting throughout the year, although the cost savings for wellness plans are often minimal or nonexistent.

How To Get Pet Health Insurance

To sign up for pet health insurance, youll need the following information for your pet:

  • Name
  • Pre-existing conditions
  • Vets name and contact information

Have your pet seen by a vet if you havent done so within the past year.

Most pet insurance providers have waiting periods, which means you cant get coverage immediately following an accident or illness. So if you think youd be interested in pet insurance, apply now before you end up needing it.

Healthy Paws Offers Generous Coverage

Healthy Paws covers conditions and treatments that are often excluded from other policies. For example, Healthy Paws covers congenital and hereditary conditions. Some companies don’t. Healthy Paws covers alternative treatments. Some companies don’t.

Remember the Healthy Paws promise:

If your pet needs treatment for any accident or illness, and it’s not a pre-existing condition, you’re covered. It’s that simple.

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Consider Whether You Need Pet Health Insurance

  • A pet health insurance policy reimburses the pet owner for specified veterinary care. As with your health insurance policy, these policies typically itemize covered treatments, deductibles and lifetime or per illness maximums. The cost of the policy may vary based on the amount and type of coverage as well as the breed or species. Estimate the health costs for your animals expected life and take into consideration how much you could afford for emergency treatment or a long illness.
  • A pet life insurance policy covers end-of-life costs for your animal. This can include burial or cremation expenses and even bereavement counseling for you and your family.
  • Pet injury coverage may be part of your auto insurance policy. It covers the treatment of a pet injured in a car accident up to a set limit. Check with your insurance agent or company to determine if your auto policy includes coverage for a pet traveling in your car.

Can I Use Any Vet With My Dog Health Insurance Plan

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Unlike health insurance for people, pet insurance companies like Embrace Pet Insurance,have no networks and let you choose your vet. Embrace works on a reimbursementmethod, so you pay the vet directly, submit your claim, and Embrace will payyou back. You can visit any veterinarian, specialist, or emergency hospital youlike.

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What Sort Of Illnesses Are Covered By My Pet Health Insurance Policy

Your pet health insurance policy will cover a wide range of things, from ear infections to diabetes. Youll also have coverage for a range of hereditary and congenital conditions, from elbow and hip dysplasia to hernias and eye disorders.

But its important to note that many of these may fall under the category of pre-existing conditions. If your pet is diagnosed with such conditionslike cancer or diabetesafter their pet health insurance policys waiting period, theyll be covered. But if they suffer from those conditions, or show signs of them, before getting pet health insurance, treatment related to those specific conditions will not be covered.

TL DR: The best thing you can do is get your furry friend covered with pet health insurance when theyre young, and keep them covered as they age.

Major Pet Insurance Companies

Take a look at this list of pet insurance providers for a brief comparison of some of the most important items to consider when selecting pet insurance. Always read the fine print before choosing a plan for your dog. For more in-depth reviews of these and other pet insurance companies, check out the Pet Insurance Comparison at Canine Journal.

ASPCA

  • Payouts: Up to 90 percent reimbursement depending on the plan you choose
  • Deductible: Annual
  • Hereditary/congenital conditions: Coverage available
  • Multiple pet discount: Yes
  • Payouts: 70 percent, 80 percent, or 90 percent reimbursement depending on the plan you choose
  • Deductible: Annual
  • Hereditary/congenital conditions: Covered if they are not pre-existing
  • Multiple pet discount: Yes

Figo

  • Payouts: 70 percent, 80 percent, 90 percent, or 100 percent reimbursement depending on the plan you choose
  • Deductible: Annual
  • Hereditary/congenital conditions: Covered if they are not pre-existing
  • Multiple pet discount: Yes

Healthy Paws

  • Payouts: 70 percent, 80 percent, or 90 percent reimbursement depending on the plan you choose unlimited payouts
  • Deductible: Annual
  • Hereditary/congenital conditions: Covered if they are not pre-existing
  • Multiple pet discount: No

Nationwide

PetFirst

  • Payouts: 70 percent, 80 percent, 90 percent, or 100 percent reimbursement depending on the plan you choose
  • Deductible: Per incident
  • Multiple pet discount: No

Pets Best

Trupanion

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How To Buy A Pet Insurance Plan

The best way to find a policy within your budget is to compare pet insurance quotes among several different insurers.

You can find free pet insurance quotes:

  • Online: Many pet insurance companies offer free quotes online. Youll typically answer a few basic questions about your pet. You can also use a pet insurance comparison site to look at several options at once.
  • Phone, email or in-person: If you prefer to correspond with someone directly, you can contact a representative from an insurance company or an independent insurance agent.

What Can You Afford To Pay Out Of Pocket

Dog Training : About Pet Health Insurance

Consider how much you can afford to pay out of pocket. If you have a $10,000 emergency fund in a high-interest savings account and you are comfortable spending a good portion of that on your pet, your insurance needs will be different than someone living on a reduced income with no emergency fund. If you make a budget and regularly contribute to a pet fund regularly, you can likely opt for a less expensive policy.

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Dog Health Insurance Protects You And Your Pup

Dog insurance plans can protect you from veterinary costs ranging from the expected to the unexpected. Through Progressive Pet Insurance by Pets Best, you have flexible options for the different stages of your dog’s life. Access the following perks by getting a quote customized to both your budget and your pup’s current needs:

  • 5% savings on a BestBenefit policy
  • Another 5% savings if you insure more than one pet
  • Access to the 24/7 Pet Helpline

See how our pet insurance for dogs can help keep costs down and get a quote for the plan that makes sense for your four-legged best friend.

Which Pet Insurance Covers Pre

Unfortunately, pet insurance companies are unlikely to cover pre-existing conditions. Like with health insurance for a person, you need to get insurance while you are healthy in order to be assured of great coverage in the event of a diagnosis.

The same is true for your pet. Buying insurance early means better access to affordable care.

While no one wants to think of their pet getting sick or injured, when you bring home that little furball and are enjoying the snuggles and puppy or kitty kisses, do not wait to buy insurance for them. Have the peace of mind that they will get to live the longest, healthiest life possible without having to stress about how to pay for their treatment.

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Can I Change My Pet Insurance Policy At Any Time

Companies and policies vary, but with Embrace Pet Insurance you can adjust your policy at any time by downgrading your coverage which could include lowering your reimbursementpercentage and increasing your annual deductible, or upgrading to include enhanced coverage. By upgrading, your policy would be subject to re-underwriting which is basically like getting a new policy.

What Is A Pre

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Pet insurance can help to reduce the veterinary care costs that you face during your pet’s lifetime. But when your pet has a pre-existing condition, pet insurance gets complicated and may no longer be the best option.

Pre-existing conditions are significant problems or conditions that your pet has before you enroll him in an insurance program. For instance, cancer, heart disease, arthritis, and some other very common pet ailments are considered pre-existing conditions. If you know about these conditions, you’re obligated to disclose them to the insurance company.

Each pet insurance company will have its own specific list of which conditions it excludes, but most insurance companies will consider the following to be pre-existing conditions:

  • Diabetes

Even injuries can be considered to be pre-existing conditions.

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All Deductibles Are Not The Same

Depending on the pet insurance company, the deductible will either be annual, per condition/incident, or per visit. The best option is annual once you reach the deductible, you are set for the year, no matter how many times your dog goes to the vet. Per condition/incident means you only pay the deductible once in a calendar year for the same problem.

For instance, if your dog has allergies and goes to the vet four times in a year for his allergies, you only need to reach the deductible once and then all future care is covered. Per visit is your worst option. It means that every time your dog goes to the vet, you must pay the deductible before anything will be covered.

A Should I Get Pet Insurance Decision Tree

  • If you have a healthy puppy or kitten… I would get pet insurance.
  • If your puppy/kitten has a pre-existing condition… pet insurance may still be worth getting to cover any new issues that may appear later in your pet’s life.
  • If you have a healthy mid-age dog or cat… I would get pet insurance before any health issues arise.
  • If your dog/cat has a pre-existing condition… pet insurance may still be worth it if your pet is on the younger side or at risk of other health issues.
  • If you have a healthy senior dog or cat… I would consider pet insurance. 50% of dogs over the age of 10 develop cancer, so if your pet is a healthy senior, pet insurance could add a layer of protection should they need cancer treatment.
  • If your senior dog/cat has a pre-existing condition… pet insurance is probably not a good fit. Instead, I would stay on top of preventative care and maybe increase routine vet visits, while maximizing a pet health savings account.

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Is Pet Insurance Expensive

As with any insurance, youll want to weigh the cost of the insurance over time against potential payouts. But pet insurance doesnt have to break the bank, like human health insurance does. For example, for a pet insurance plan with a $5,000 maximum yearly payout for a Chihuahua puppy, we saw prices as low as $21 a month from Lemonade and Pets Best.

Note that the pet insurance price you pay when your pet is a puppy or kitten will generally increase each year when you renew the policy.

An Example Of How Much Common Emergencies Can Cost You

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Lets take two common examples with some rough averages:

  • A dog with an injured leg who was suddenly found limping: The cost at an ER facility would likely comprise of an exam fee , radiographs , injectable pain medications , plus oral medications.
  • An allergic reaction: Exam fee + injectable medications + oral meds if needed + Blood work if needed .
  • It’s important to note that emergency costs vary based on too many factors to ever predict an accurate total.

    For example, the exam fee at an emergency animal hospital can be $170 at some hospitals or $75 at others.

    The estimate for parvo disease in puppies is $1000 at some hospitals versus $5,000 to $8,000 at others.

    These price ranges are dependent on the geographical area, hospital size, level of care facility, and other factors.

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    How Much Does Dog Health Insurance Cost

    As with any other types of insurance, pet insurance is also dependent on a wide range of factors. Some of these variables include:

    Breed. Some breeds are generally healthier than others, which can have a drastic effect on the insurance cost.

    Age. As a rule, the older the dog is, the higher the insurance price will be as well.

    Gender. Depending on the breed, the male or female gender can be more prone to illnesses.

    Pre-existing and/or genetic conditions. These issues will also bump the price of dog health insurance. In fact, in the more severe cases, you can easily be turned down.

    Previous health problems. These can, of course, also result in an increased price or a refusal.

    Is the dog sterilized? If your dog is spayed or neutered, it will cost you less for dog health insurance.

    Lifestyle. Does the dog live indoors or in a yard? How much time does he spend outside? How much exercise does he get, and what type of activities is he doing?Generally, the safer the dogs lifestyle is, the more tolerable the price is going to be.

    Where do you live? The difference from country to country is obvious, however, theres also a difference between living in the city and in the country. Dogs living in the city are much more prone to both accidents and diseases, hence the much higher insurance prices.

    Routine Care Dog Insurance

    EssentialWellness and BestWellness plans for dogs

    Routine care coverage can be added to your BestBenefit plan to cover wellness exams, annual vaccines, dental cleanings, and routine or preventative care with no deductible. Particularly popular for younger and older dogs, our two levels of wellness coverage can help you with expected health costs throughout the year.

    EssentialWellness pricing: $16 per month

    BestWellness pricing: $26 per month§

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    Healthy Paws Delivers Great Value For A Lower Price

    We all know Consumer Reports, which is an independent, nonprofit organization. Everybody knows to check Consumer Reports when they’re planning to buy a car. In fact, Consumer Reports is trusted for their ratings of almost everything else you might want to buy.

    Luckily for puppy parents, CR published a report in May of 2016 that addressed the question: “Is Pet Insurance Worth The Cost?”

    What a fine question!

    Consumer Reports investigated pet insurance companies to see how much it costs to buy their insurance compared to how much they pay out to cover claims. Healthy Paws was the best-value winner, “in part because of its lower premiums.”

    Best For Routine Care: Petfirst

    10 DOG DIGESTIVE REMEDIES
    • Coverage types: Accident and illness, preventative
    • Starting price: $125 per year
    • Deductible: $250

    PetFirsts wellness rider gives the best value for routine care with flexible benefits that can be tailored to your average annual expenditure.

    • Wellness benefits available from $125 to $575 annually

    • Deductible of just $250

    • Accident coverage begins the day after enrollment

    • Online resource center

    • Each preventive treatment has its own individual limit

    • Accident and injury limits max out at $10,000 per year

    • Doesnt offer an accident-only plan

    PetFirst offers a single insurance policy that provides coverage for pet injuries, illnesses, and related treatments, including:

    • Hospitalizations
    • Alternative therapies
    • Emergency care

    You can begin using the accident coverage just one day after your enrollment begins, but you have to wait 14 days before using the coverage for illnesses.

    Pet owners also have the option to add PetFirsts Routine Rider Coverage, which pays for the cost of your pets annual vet exam, vaccines, behavioral training, microchipping, and more. This rider is available in five tiers, with $125 to $575 in annual coverage.

    PetFirsts accident and injury pet insurance plan has a fixed deductible of $250. You can get a personalized insurance quote through the website, but these are the starting premiums for accident and illness coverage:

    • Dog insurance: $15 per month
    • Cat insurance: $9 per month

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    Should You Buy Pet Insurance An Honest Review

    By Michele Welton, Dog Trainer, Breed Selection Consultant, Author of 15 Dog Books

    Pet insurance will pay a large portion of your dog’s vet bills if he is ill or injured. Is pet insurance worth buying?

    You have questions about pet insurance? I’m confident my answers will help you decide whether pet insurance is right for you and your dog, and which pet insurance company is the best.

  • First we’ll do a quick question and answer overview of the workings and benefits of pet insurance.
  • Then I’ll tell you why Healthy Paws is my #1 recommendation for the best pet health insurance.

    In a nutshell, Healthy Paws has an unmatched history of great customer service, generous coverage including genetic conditions and alternative treatments, and unlimited lifetime benefits.

  • Finally, I’ll help you get a free quote that includes a special discount the lowest rate available. To get this discounted rate, be sure to follow my link at the bottom of this review.One more thing when you get a free quote, the Healthy Paws Foundation donates money to a homeless pet who needs medical care!
  • OK, let’s get started!

    Ology: Our System For Ranking The Best Cheap Pet Insurance Companies

    Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.

    Here are more details about each factor and how theyre weighted:

    We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.

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