Purchasing a dog insurance plan can make a world of difference in your pet’s life — and on your wallet! Here are answers to some of the most commonly asked questions about dog health insurance:
What is the purpose of dog insurance?
Peace of mind for the owner. And improved quality of life for the pet!
There are many benefits to purchasing a dog insurance plan for your pet. The primary purpose is peace of mind for the pet-owner that in the event of sudden illness or unexpected injury, you won’t be slammed with steep and unexpected veterinary bills. Overall, having a health insurance plan for your dog will save you money — even if you only take your canine friend to the vet for preventative care!
How does dog health insurance work?
Similar to human health insurance, dog insurance plans come in many different packages. Some cover specific early care veterinary services. Others focus on preventative or emergency care. In general, most pet insurance policies on the market operate with a reimbursement plan. The total amount paid in reimbursement varies depending on the plan. On average, pet insurance policies tend to reimburse up to 80 percent of veterinary costs (after reaching a deductible).
What do I need to do to get dog insurance?
Ask your veterinarian! And even then, we recommend that you do your own research before selecting a pet health insurance plan. There are so many dog insurance policies to choose from. Pay close attention to plans that meet specific needs of your dog’s breed, pre-existing conditions and/or age.
What does health insurance cover for a dog?
Every plan is different. (And there are many, many options to choose from!) Some dog insurance plans, such as ‘puppy plans,’ will package early veterinary care services for a discounted rate. This is generally cheaper than paying for each service individually (i.e. spaying/neutering, bloodwork, etc). Some plans will cover regular preventative care visits while others will only cover a percentage of emergency care costs. Plans vary in terms of coverage, so it is important to look for a dog insurance plan that meets the individual needs of your pet.