Insurance is a form of protection against the risk of an uncertain loss. Thus people insure their valuables such as a house, jewellery, car etc to avoid financial loss in case of burglary, destruction etc. (Things you need to know before buying pet insurance)
People also get health insurance, it aids in paying the medical bill. Similarly, people with pets, opt for pet insurance which aids in making payments for the medical expense of the sick or injured animal.
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Dog Health insurance keeps your dog protective
There are several reasons for dog parents to ensure their pet. It aids in giving the best medical services and treatment to the dog.
Some insurance policies also give a lump sum amount in case the pet dies or is stolen. Certain insurances are specialized with dogs. (Things you need to know before buying pet insurance)
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Best pet insurance for dogs
As proper medical treatment is expensive, many insurances provide medical benefits to the dog owners against dog caused injuries like dog bites.
Some policies also provide monetary compensation for the loss of a pet, not that money can replace your loved ones, but it certainly helps, especially if you have other pets. (Things you need to know before buying pet insurance)
Pet insurance for dogs
The reduction in the medical bills, the ease of paying for the insurance, your reduced stressed levels, make pet insurance worth it.
Things you need to know before buying pet health insurance
This type of insurance is called Dog Replacement Insurance. The money paid is calculated by determining the purchasing value of your dog. (Things you need to know before buying pet insurance)
Some insurance companies also provide for cremation or burial costs.
Is pet insurance worth it?
Fun fact you can legally ensure your doggo, twice but you can only claim one policy at a time. A bit of advice, save your money by investing in only one policy, two do not give you any special benefit.
Also if you have multiple dogs, firstly you are damn lucky, secondly several insurance companies provide for insurance for multiple pets and most of these are customized.
Pet plan has one of the best and cheap dog insurance for multiple pets. (Things you need to know before buying pet insurance)
How to buy pet insurance?
The pet insurance companies provide from general to customised insurances.
Generally, insurances cover either accidents only thus paying for the medical bills of the injuries caused by an accident such as broken bones, snake bites etc.
Such insurances generally suit police or hard labour dogs; or accidents and illness, covering both illnesses – cancer, skin condition, hereditary problems etc and the accident caused injuries. (Things you need to know before buying pet insurance)
Can you have 2 pet insurance policies?
It is best for dogs who are susceptible to illnesses; and comprehensive coverage covers all of the above and also vaccinations and other preventive health treatments like de-sexing, dental care etc.
This policy is the best kind of policy, though it does not cover abuse, ambulance costs, pre-existing conditions etc.(Things you need to know before buying pet insurance)
An animal health care plan
One thing to keep in mind is that no insurance company covers pre-existing conditions or injuries or any illness.
If your dog got this injury or condition during the waiting period or even before you applied for insurance, it would not be covered in your selected insurance.
Dog Health Insurance
It is preferable to buy dog insurance as soon as you get yourself a furry friend.
It will help you with the medical bills and other benefits, but again it is on you when you want to buy insurance.
When should I buy pet insurance?
Though some insurance companies such as Trupanion, expect your dog to be below the age of fourteen years. Also, early insurance buying makes sure that no preexisting condition comes up.
To buy a dog insurance policy, you need to decide on your needs first, calculate how much money you can afford to shed. (Things you need to know before buying pet insurance)
Research your dog’s breed so as to learn about the illnesses your dog is predisposed to, talk to your vet.
see your dog’s medicinal history and then research on the existing policies and whichever policy best suits your dog’s and your need, choose that.
Should I have my dog insurance?
Generally, every insurance company has its own site or a number you can call that will get you started with the process, sometimes you might have to either visit their office or write to them.
Remember to research on the insurance policy, read the fine print, the agreement thoroughly, if required use professional help to find the best pet insurance.
Dog insurance companies details
The cost of pet insurance varies widely: a monthly premium may range from as low as $10 to greater than $100, but most pet rage. (Things you need to know before buying pet insurance)
Your pet’s age and breed, as well as your residential area and the package you choose, will all be factored into your insurance rates.
The average cost of insurance is significantly higher for dogs than cats, on average being up to 60% more expensive for accident and illness policies.
Older animals and larger animals tend to face higher pet insurance rates, as they are predisposed towards the most health issues.
Compare pet insurance
So with prices ranging from pocket change to a significant drain on your finances, it can be hard to make sure that you are getting the coverage you need without overspending?
To help you decide, we have done research on the best pet insurance available for dogs in the USA. We compare them for you, making it easier to make a well-informed decision for your fur baby.
Dog insurance comparison chart
Here you can see the comparison of the dog’s insurance company. (Things you need to know before buying pet insurance)
ASPCA dog health insurance
The American Society for the Prevention of Cruelty to Animals offers a solid plan within a range of 30$ to 50$. They offer coverage of not only illness and accidents but also cover routine care.
They also have the option to make direct payments to the vet so you don’t have to pay a hefty bill and wait for reimbursement.
ASPCA health insurance details
pet insurance that covers dog pre-existing conditions On the other hand, when speaking of reimbursements several customers have reported low reimbursements.
Added to a 14 day waiting period to process claims for illness and accidents, which include knee and ligament injuries, the ASPCA is not without its cons.
Petplan pet insurance
Petplan is a strong contender for best pet insurance in the USA.
It provides all the benefits of the ASPCA, (Things you need to know before buying pet insurance)
as well as a 24/7 helpline and assurance of 5-day claim processing.
It is comprehensive, fast and has some of the best reimbursement rates.
Dog insurance pre-existing conditions
The only catch is the price. Witch prices for a plan for your dog ranging between 80$ to 120$.
It is definitely one of the more expensive options.
If you’re willing to shell out the extra cash, Petplan is the insurance for you.
Check https://www.gopetplan.com for more information. (Things you need to know before buying pet insurance)
Trupanion pet insurance
Trupanion offers a multitude of different packages and optional benefits, allowing you to cater to the specific needs of your pet.
These can cover additional expenses as diverse as physical therapy, hydrotherapy, acupuncture and even behavioural modification.
They also offer up to 90% reimbursement with no limit on payouts.
With Trupanion you can rest easy with your dog covered in the USA, Canada and Puerto Rico.
Trupanion pet insurance details
However, this is another option that may be a little hard on the pocket.
with the monthly instalments hitting over 100$ on average for larger dogs.
It is also important to note that they do not cover the cost of an examination by the vet.
Check https://trupanion.com for more information. (Things you need to know before buying pet insurance)
Healthy Paws pet insurance
Healthy Paw is a personal favourite. They offer all the benefits of the more expensive plans with refreshing rates, not exceeding 60$.
They offer unlimited lifetime coverage so you are spared annual or per incident limits on claims.
Your pet is covered in both the USA and Canada.
They also have a great record of customer satisfaction with timely responses and quick processing.
Healthy Paws pet insurance importance
While they lack coverage of veterinary exams (similar to Trupanion) or behavioural modification.
The price vs coverage is hard to beat.
While Healthy Paws is on average the best plan we can recommend, it is not for everybody.
A major downside is that if your dog is over 6 years old it cannot be covered for hip dysplasia (a very common complaint of large breed dogs). (Things you need to know before buying pet insurance)
Dog best plan details
If it is over 8 years old your dog will be restricted to 60% reimbursement and a 750$ annual deductible.
If your pet falls in either of those categories, Healthy Paws may not be for you.
Check https://www.healthypawspetinsurance.com for more information.
Nationwide pet insurance
So while Nationwide may appear to be a good option for anyone out there with a more exotic breed, remember to be wary.
Nationwide display things differently than the competition, in a good way. For example, they provide an exhaustive list of the exact illnesses that are or are not covered.
Which is a blessing if your dog breed is prone to a particular illness that may not be commonly covered by insurance.
Nationwide pet insurance details
They are one of the few companies to cover exotic pets and rare conditions. The price is not too heavy either with quotes as low as 25$ monthly.
However, there is a laundry list of complaints from customers ranging from long waiting periods to fraudulent checks.
Check https://www.petinsurance.com/ for more information. (Things you need to know before buying pet insurance)
Petsmart insurance plan for dogs
While often referred to as insurance, Petsmart’s insurance/medical care plans are a little different. They offer a range of what are referred to as “wellness” plans for your pet.
These plans have a focus on the provision of regular preventative medicine and care.
Petsmart is an investment partner at Banfield Hospitals, which are available at select Petsmart locations. (Things you need to know before buying pet insurance)
Petsmart insurance plans details
With over 900 locations, the goal of a Banfield Petsmart insurance/Wellness plan is to encourage you to bring your pet to their vets for regular check-ups and medical treatment affordable.
This is definitely a rather unique option, but may just be what you’re looking for to take regular care of your dog.
Thus read a little, research a little more and choose the plan that suits your pet the best!
I hope this article was useful, stay tuned for more! (Things you need to know before buying pet insurance)