How Do I Find A Good Deal On Dog Insurance
Your dog is a cherished part of your family, so youll want to be sure you can find the best dog insurance to suit your needs. We can help you find the level of cover you want at a price youre happy with.
Get a range of quotes for insurance for your puppy or dog with our price comparison service. Just tell us a few details and get a quote in minutes.
Does Pet Insurance Cover Ear Infections
Yes, as long as the infection is a new condition. If your pet has had an ear infection in the past, some insurers may not cover it. Certain dog breeds may be more susceptible to ear infections and if you know you own one it may be worth looking at pet insurance before the pet suffers from one so that you know you’ll be covered.
If the infection develops into a chronic condition, you may run out of pet cover if you have a time-limited or per condition policy.
Healthy Paws Pet Insurance Plan Coverage Has No Caps On Payouts
If your pet needs treatment for an accident or illness, and its not a pre-existing condition or otherwise excluded under the policy, the Healthy Paws plan has you covered. Its that simple.
Get an instant quote now and take the first step to protect your furry best friend.
“Healthy Paws Insurance has been so easy to deal with in these times of stress. I don’t know how I could have gone through this terrible ordeal without them.”
– Pascale on PetInsuranceReview.com , 9/26/2020
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Our Commitment To Our Customers
The Healthy Paws Pet Insurance plan is easy to understand, it reimburses quickly, and you can count on us to help, especially when it comes to reducing the stress of caring for a sick pet.
Our commitment is to provide you and your pet with the best customer service and a great pet insurance plan. We are grateful to our pet-passionate customers for sharing their love of our plan and service by giving us a 98% satisfaction rating atConsumers Advocate!
“Healthy Paws is amazing! A claim was filed same day as the emergency operation. Within two weeks, money was already reimbursed into our account. The process was easy and straight forward. Healthy Paws even checked on our dog after the money was dispersed. Would highly recommend to anyone looking for pet insurance.”
– John on PetInsuranceReview.com , 9/28/2020
What Does Pet Insurance Not Cover
Excluded treatment will vary by company, but generally, most exclude the same things. Some of these items include pre-existing conditions, cosmetic procedures, experimental therapies, breeding costs, and preventative care.
To better understand how pre-existing conditions and preventative care are handled, check out the questions below.
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And Then Theres The Premiums
And these numbers dont include the annual price of pet insurance premiums. With an average cost of $42.45 a month for dogs and 20.99 a month for cats, insuring your pet could mean your total costs hit $833 for a dog or $515.88 for a cat. If your pet is fortunate enough to avoid any big issues, the cost of pet health insurance could outweigh the savings.
Prescription Food & Supplements
Your veterinarian may recommend prescription food or supplements to help your pet with certain health conditions. With Complete CoverageSM, you can get reimbursed for these products when theyre used to treat a covered condition . Some other providers dont have this coverage or offer it only as an optional add-on. Some also set limits on how long this coverage can be used.
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Our Breeding Risks Cover
Whether you’re a first-timer or seasoned breeder, deciding to breed from your dog or cat is an exciting time for any owner. But with so many things to consider to ensure the well-being of the mum and the litter, this can be a daunting time. Complications during pregnancy and birth do happen, which can be stressful for breeders.
Cover for both the mum and the litter
Breeding risks cover is the first step in ensuring that all your litters can be protected for every step of their journey. This optional benefit can be added to the mums lifetime policy. Not only does this cover protect the mum but it also protects her litter whilst in your care.
5-Weeks Free Insurance for your litter
And, if you make a claim under your breeding risks benefit before the litter is sold, you can still issue Five Weeks Free insurance and the new owner can convert their free cover to an annual policy without exclusions being added.
Easy add-on protection
Breeding risks cover is optional and can even be added after the policy has been set up. There is an exclusion period of 12 weeks before cover will start so you need to set up cover well in advance of your next litter.
Quotes Great service from Agria when there were complications with my dog having pups resulting in a caesarean being needed, very quick reaction to claim and great correspondence from Agria.Quotes 5-Star Review from R Davies
Why Is My Policy Subject To Internal Limits
Your policy is designed to offer realistic cover up to a certain annual amount in vet bills – see your policy schedule for confirmation of the overall amount covered within your policy. We believe that internal limits are a way of helping our policyholders whilst trying to keep your policy premiums and the cover you selected fair and reasonable.
With constant market changes, advances in medical research and the continual increases of cost for general medical care vets can offer, the cost of your pets health care can prove very expensive. Unfortunately this means that in the event your pet suffers from a significant extensive health concern, injury or a condition requiring constant, lifelong care, the annual amount you selected can prove insufficient to cover all costs covered by the policy, throughout the entire year.
As a pet insurer its our job to make sure that the policy you chose to purchase provides sufficient levels of cover throughout the year. This means that some of the costs for the treatment covered by your policy must be subject to a limit. This allows us to make a significant contribution towards the cost of treatment but prevents a claim for a single condition using all of your annual cover
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Emergency And Specialty Veterinary Care Coverage
Just like human medicine, veterinary care is constantly advancing â including emergency rooms, urgent care, and veterinary specialists. Embrace Pet Insurance covers emergency and specialty pet care no matter where you go so you can rest easy knowing your pet is covered for every unexpected accident and illness.
Dog Cesarean Section Considerations
Anesthesia can cause complications to arise in the mother. The effects of general anesthesia on the puppies are associated with greater risks, and therefore use of gases or injections should be limited. Approximately 70 to 90% of puppies survive a cesarean section, while up to 99% of mothers fully recover from the procedure. Hemorrhage during surgery is a possibility, which may result in the need for oxytocin administration, and in severe cases, an ovariohysterectomy. Hemorrhage may also occur after the operation, which can be more life-threatening. Infection of the uterus or surgical site may follow the procedure.
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Protection For Every Step Of The Journey
Up to £1,000 each year
for vet’s fees around complications from gestation and whelping including caesarean section and fading puppies and kittens
Vet’s fees for litters
Agria Pet Insurance Ltd is authorised and regulated by the Financial Conduct Authority, Financial Services Register Number 496160. We are an insurance intermediary acting for the insurers Agria Frskring and Ecclesiastical Insurance Office plc. Agria Pet Insurance is registered and incorporated in England and Wales with registered number 4258783. Registered office: First Floor, Blue Leanie, Walton Street, Aylesbury, Buckinghamshire, HP21 7QW.
Pet Insurance Plan Exclusions
We’re all about helping protect your pet from unexpected accidents and illnesses and you from the financial burdens of their treatment.
The Healthy Paws plan does not cover the following:
- Pre-existing conditions
- The examination fee
- Pre-existing cruciate ligament injury has a bilateral exclusion. If the cruciate ligament on one leg is injured prior to enrollment or during the 15-day waiting period, then the cruciate ligament on the other leg is excluded from coverage. This is the only bilateral exclusion.
- Preventative care
- Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, de-worming, nail trim, and grooming.
- Parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available.
- Dental health care, however if injury to teeth is caused by an accident, the plan does cover the cost of extraction and/or reconstruction of damaged teeth.
- Spaying and neutering.
- Anal gland expression.
The plan does not reimburse the costs, fees or expenses associated for elective procedures, boarding, behavioral modification, training, therapy or medications for behavioral modification. Please see for more information on exclusions.
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Are Worming And Vaccination Safe For Pregnant Dogs
Deworming during pregnancy is recommended. Consult your veterinarian about the type of dewormer you need to use in order to ensure your dog does not pass worms to her puppies.
It is best to make sure your dog is up to date on her vaccines before she gets pregnant in order to ensure optimal protection for the puppies.
Vaccinating during pregnancy is not usually recommended.
How We Determined The Best Pet Insurance Companies
Our team conducted over 40 hours of research to compare all of our partners based on policy terms, coverage inclusions and exclusions, quotes we received for different pets, and customer reviews to determine the best pet insurance companies.
Here is a brief breakdown of what we looked at and what we valued within these four categories.
- Policy terms: Some factors we considered included deductibles, reimbursement rates, benefit limits, and discounts. We valued customization and pet insurance plans that clearly outlined what a policyholder could expect if they enrolled.
- Coverage inclusions and exclusions: This was where we dove into sample policies and company resources to identify what would and wouldnt be covered for your pet. We valued comprehensive coverage.
- Quotes we received for different pets: We submitted at least five quotes for each pet insurance company to gather a picture of how affordable their premiums would be. We valued companies with fair pricing and premiums that wouldnt break the bank.
- Customer reviews: We primarily used Trustpilot to see how customers felt about each company, the customer service experience, and the policies they offered. We valued positive customer reviews as happy customers are a good sign for any product.
Now that you can better understand what we looked at when determining which companies were the best, here is a full list of the pet insurance companies considered in our review.
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What Affects The Price Of Dog Insurance
The price of your pet insurance depends on several factors, including your dogs:
Why Is My Claim Subject To Outstanding Premium Deduction
Your policy is provided to you as an annual contract, which can be renewed each year. Each year the insurer offers you annual cover for the cost of any treatment your pet requires within that year subject to you, the policyholder accepting the annual premium quoted to you. For your convenience your annual premium can be paid in monthly instalments or as a one off annual payment.
This policy has an early exit clause. Since the monthly policy premium cannot continue, the full remaining annual premium becomes payable at the time of premature termination. This clause is not applicable in case if your policy was not used i.e. if you did not submit any final successful claims.
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Preparing The Home Space
After the due date is set and the C-section is scheduled, you can now plan accordingly. You need to set up a comfortable whelping box to welcome home the mum and her new litter. Choose a safe spot in the house to create a nesting atmosphere away from noise and distractions where the mother will be doing her bonding and nursing.
The pups need to be kept warm so be sure to heat up the area before arrival and keep it warm. Having certain tools required for whelping will help greatly and save you time and energy of running to the store such as bulb syringes, mucus traps, feeding tubes and scales for weighing the puppies. Having formula prepared and feeding bottles for when the pups cant nurse will aid greatly in the process.
Can I Insure A Dangerous Dog
If you own a breed thats classified as dangerous, under the Dangerous Dogs Act, then they would need to be added to the Index of Exempted Dogs and given a Certificate of Exemption. If you successfully manage this, you will be able to insure your dangerous dog, as long as your policy includes third-party liability cover.
You cant currently compare dog insurance for dangerous dogs through Compare the Market, so youll need to look for specialist cover through providers directly.
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Which Pet Insurers Pay 100% Of The Vet Bill
Pet insurers that have no excess will pay 100% of the vet bill as long as it falls within your cover limits. Bought By Many has a zero excess option for pets under 9 and we can pay you or the vet directly.
Other pet insurers will pay the full cost of the vet bill minus your excess. Pet insurers will not pay vet bills for routine appointments like check-ups.
Get Affordable Customizable Pet Insurance To Cover The Expensive And Unexpected
With Progressive Pet Insurance by Pets Best, you can select a plan and customize your coverages to create a policy that fits both your budget and your pet’s needs. When you get a quote for cat or dog insurance, you can save 5% on a BestBenefit policy, plus another 5% if you insure more than one pet. Plus you can access the 24/7 Pet Helpline, connecting you with veterinary experts who can answer all your pet parenting questions, like Should I worry if Spike ate an entire roll of paper towels?
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How Much Does Pet Insurance Cost
While individual costs will vary based on your pets breed, age, health and the tier you opt for, across 11 of the top pet insurers, the average monthly cost for dog insurance is $42.45, while pet insurance for cats costs an average of $20.99 per month, according to Value Penguin.
Have an exotic pet ? Your options are a bit more limited, but you can still find coverage. Check out Pet Assure and Nationwide for plans for birds, rabbits, reptiles and other members of the animal kingdom.
Average Veterinary Care Costs
The connection between humanity and animals stretches back into the dawn of history as humans have taken them into their homes and hearts. In many cases, pet owners see their pets in the same way they see their children. Progress in veterinary science allows owners to seek out many procedures for their animals that were previously for humans only. These procedures can be expensive. As CNBC reported, PetPlan states that the average cost of an emergency veterinary treatment runs between $800 and $1,500 for cats and dogs.
Primary pet care includes annual exams and vaccines, blood work, and dental cleanings. However, there is explosive growth in specialized areas of pet care such as neurology and oncology. Also, pets may have medical emergencies, just like their human owners. PetCareRx.com lists the average annual examination cost between $45 and $50, while vaccines run around $18 to $25 each.
For some potential pet owners, the prospect of high medical expenses can be a deterrent to adopting a pet. Additionally, for those who do adopt, the possibility of expensive procedures and medicines can lead to a decision to put a pet down, known as economic euthanasia.
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How Progressive Pet Insurance By Pets Best Compares
While comparing pet insurance policies, consider what benefits the insurer offers. In addition to its customizable plans and transparent pricing, here are a few key advantages Pets Best provides over other pet insurance companies.
- One annual deductible: You’ll pay just one deductible per year, rather than one deductible per claim.
- Fast claims processing and payment: Claims are processed quickly and can be direct deposited to your bank account.
- No upper age limits: Enroll your pet in an accident or illness plan at any age and keep the same level of coverage as they grow older.
- Optional exam fee coverage: You can add coverage for exam fees for any covered accident and illness.
- Choose a payment plan: You can pay your premium monthly, quarterly, or annually to fit your budget.
- Unlimited plans available: With a BestBenefit plan, you can choose to have no annual limit on your accident and illness policy.