Dog Insurance

Pet Insurance for Dogs

We love our dogs and want to take care of them the best we can. We provide warm and comfortable shelter, nutritious dog food, and clean water. We throw the ball, go for walks, and scratch behind the ears. We take them to the vet for check-ups and shots. If you are like most dog owners, you consider your dog to be a true companion or family member.

The life span of the average dog is 12 years or more, but varies depending on the level of care , breed, and body size. Typically, smaller dog breeds live longer than larger dog breeds.

Even with your best efforts to keep your dog safe and healthy, however, unexpected events happen. Illnesses, accidents, and injuries can happen quickly and without warning. If your puppy is hit by a car or your dog develops a chronic illness, dog insurance can help you provide the necessary veterinary care to return your pet to health and extend life.

Dog Insurance Coverage

Dogs of all ages - puppies, adult dogs, and mature dogs - can become sick or injured and require veterinary care. Pet insurance will help you afford the expense of veterinary treatment.

When shopping around for dog insurance you have many options and need to consider what type of coverage you want to purchase.

Dog Health Insurance

Types of coverage:

  • Accident
  • Illness
  • Routine Care

Accident Coverage

Insurance coverage for accidents is the most basic and affordable type of pet insurance. Most dogs qualify for accident coverage, regardless of breed, age, or health conditions.

Some of the covered types of dog accidents include broken bones, burns, insect bites, bee stings, poison ingestion, lacerations, and injuries resulting from falls and car accidents.

  • Find out under what conditions coverage can be denied. Some policies exclude breed specific accidents (dog bites for aggressive breeds) or preventable accidents (not following a leash law).

The veterinary expenses that are typically covered for accidents are emergency care, surgery, diagnostic tests, X-rays, hospitalization, treatments, and prescription medication.

Basic Annual Expenses for Dog Owners

Dog Expense
Source: 2007-2008 APPA National Pet Owners Survey

Illness Coverage

Many pet owners choose to insure for illness as well as for accidents. Many dogs qualify for illness coverage, but some dogs may not due to age or breed. Eligibility and covered conditions varies between companies, especially for breed specific hereditary health issues.

Some common illnesses which occur in dogs are allergies, asthma, arthritis, bone and joint issues, cancer, canine epilepsy, cruciate ligaments (knee injury), ear infections, eye disorders, gastro-intestinal problems, heart disease, hip dysplasia, patella luxation (knee injury), skin problems, thyroid disease.

  • Be aware that illness coverage may be denied for preventable illnesses. Make sure that your dog gets the recommended vaccinations to prevent some of the more common dog diseases. If you don’t vaccinate your dog and it comes down with the associated illness, coverage may be denied for the related veterinary care.

The veterinary expenses that are typically covered for illnesses are veterinary care, diagnostic tests, hospitalization, treatments, and prescription medication.

Routine Care Coverage

Coverage for routine (wellness) care is an option for dog owners who want more comprehensive insurance coverage. Wellness care coverage typically includes annual check-ups, vaccinations, heartworm tests, spaying or neutering, and routing dental care (tooth cleaning). Not all insurers offer routine care coverage and with some insurers the option will vary by state.

Cost of Dog Insurance

The average cost of dog insurance is around $25 per month, although your specific policy may be more or less than the average due to the breed of your dog, the age of your dog, where you live (state or zip code) , and the amount of coverage you get.

The more comprehensive the coverage you get, the higher the premium will be. If you want to keep the premium low, opt for accident only coverage and a high deductible. Adding illness coverage is the next step in pet plan benefits, but it will raise the premium as well. The most expensive pet plans are those that cover routine care and wellness visits.

Some of the discounts that apply to pet insurance rates are given if your dog is microchipped and spayed or neutered.

Choosing a Dog Insurance Plan

When comparing insurers and dog health plans, consider the following:

  • The age of your dog - what ages are accepted, do premiums rise with age
  • The breed of your dog - some breeds may not be accepted, some breed related conditions may not be covered
  • The type of coverage - accident, illness, or routine care
  • Are there deductibles and co-pays?
  • Are there limits per incident, per policy period, per pet, per lifetime?
  • How is reimbursement calculated - a percentage of vet bill or rate schedule?
  • Does your dog have a pre-existing condition? They are often not covered.
  • Are hereditary conditions covered? This varies by insurance company.
  • Is pregnancy covered?
  • Are prescription drugs covered?
  • What is the waiting period for illnesses? For accidents?
  • What conditions are excluded from coverage?
  • What is cancellation policy? If you cancel? If insurance company cancels?

Each pet insurer has different rules and guidelines so it pays to shop around and compare the various companies and pet plan options. Finding the right plan for you and your dog will help you provide veterinary care for your dog when it is needed at a price you can afford.