What is Pet Insurance?
Pet dog insurance is a type of pet insurance that covers medical expenses for your dog in the event he gets sick or injured. It also includes coverage in the event that your dog dies from illness, injury, or old age. Pet insurance is similar to human health care and protects you against financial loss if something happens to your furry friend.
We always want a secure life for our loved ones, and hence, we keep on investing in various policies & products that can secure the future of our near & dear ones. So, why leave your little pet behind? The unconditional love offered by these beings is unparalleled, and they demand nothing in return; then why not take the initiative and take a step for the wellness coverage of these animals?
Therefore it is imperative to think that pet dog insurance is what they deserve. Shouldn’t we invest this much for them when they do so much for us? If they could speak they surely would have asked for it. To be considerate, we should!
Is Pet Dog Health Insurance Worth It?
Keeping a pet brings in a lot of responsibilities like their time-to-time vaccination, care during illness, medication during injury, etc. Similar to other financial products that we human beings use for our protection; pet insurance is also a very useful financial tool that underwrites insurance policies for pets. It helps in paying the cost of vet, illness, medication, etc. Some policies also offer you the benefit in case your pet is no more alive or if they are lost.
The sudden rise in the demand for pet insurance is primarily associated with the increasing drug cost & expensive medical techniques. Moreover, owners have higher health expectations for their pets which involve high costs & insurance has emerged as a popular medium to do the same.
What Prompted Pet Insurance Rules
The first insurance policy was written in the year 1890. As per the U.S. Department of Clinical Veterinary Science and thePet Food Institute, in the US only 0.7% of pets are covered by Pet Insurance. The first pet insurance was sold in 1982 in the US. This clearly shows the full scope of the pet insurance industry.
The growing cost of medication & medical equipment now has made people more inclined towards investing in pet insurance, but the scenario was not the same decades ago, in fact, until 1997 the US had only one company, Veterinary Pet Insurance catered the pet insurance.
However, now we have companies like the Hartville Group, Pets Best Insurance, and Embrace Pet Insurance which insure dogs, cats, and sometimes exotic pets in the U.S. To get a more clear picture it is worthwhile to compare dog insurance policies for quick reference and to make a better choice.
Aside from offsetting hundreds to thousands of dollars of future vet bills, getting pet insurance also affords you the following benefits:
- Your pet insurance policy allows you to pick a veterinarian of your choosing. This makes it easier to find flexible veterinary care depending on your location or the level of expertise you’d want for your pet.
- A pet insurance policy applies to the most common pets of all ages and breeds.
- Getting a separate policy for your pet allows you to save money and not get tempted to dip into your savings in case of an emergency.
- Getting pet insurance gives you peace of mind knowing that your pet will be given proper and adequate medical care such as accident and illness coverage without you having to take out high-interest loans or damaging your financial plans.
Your pet is exposed to risk, even at home. Having the right pet insurance policy is the buffer you need to lessen the financial stress of the situation so you can focus on the things that matter including annual limits.
How much is pet insurance for dogs?
The cost of pet insurance for dogs can differ depending on your plan and coverage. There are a few different factors that determine the price of pet insurance, including age limits, breed, zip code, medical history, and many other chronic conditions. The monthly premiums also vary from company to company but prices generally range between $30-80 per month ($360-$960 per year). So the pet parents should file a claim when the problem arises.
However, it’s important to consider how much you will pay out each time your dog needs treatment or surgery before deciding if a pet insurance plan is worth it for you and the pet insurance companies that will cater to your needs.
Is it worth getting pet insurance for my dog?
Many dog owners have probably asked themselves at one point or another whether it is worth getting pet insurance for their dog. This is a great question, and the answer largely depends on what you are looking for from your dog’s health care. Here you might also think which company is the best for pet insurance.
If you are not worried about unexpected costs like emergencies that can range in cost between $1,000 and $2,500 per incident, then it may be better to save money by skipping pet insurance altogether.
However, if you want peace of mind knowing that your dog will get the best treatment possible even during an emergency (without worrying about how much it will cost), then there is no question – yes!
Hence we have covered some of the best pet insurance companies for you as a matter of reference for the accident and illness of your furry friend.
What is the cheapest pet insurance?
Are you looking for the cheapest pet insurance? You are not alone. The search term “cheapest pet insurance” was searched over 5 million times in a year, and there are many low-cost options available to choose from.
Unfortunately, finding the cheapest option can be difficult because of all the different variables that go into pricing – including location and type of coverage.
Does pet insurance cover vet visits?
Pet insurance is a great way to protect your pet in case of injury or illness. It can help you avoid the financial burden of expensive vet visits and cover unexpected medical expenses without breaking the bank. The answer is yes, but it depends on the type of plan that you have selected for your pet.
5 Best Pet Insurance Companies Of Our Choice
Many companies are operating in the US, but we have handpicked the top 5 best-rated Pet Dog Insurance companies for you:
This is among the best pet insurance companies. Since its inception in 2005, has given off $100 million in insurance claims. It helps in reimbursing your veterinary bills in case your dog or cat is sick or injured, but he should be a licensed veterinarian. Moreover, Pet Best also takes care of the routine coverage of your pet. This best dog insurance company to our liking offers three insurance products:
- Dog Insurance
- Cat Insurance
- Routine Care Coverage
Does Pets Best insurance cover neutering?
Pets are a lot of work! They require food, water, medical attention, and endless love. If you have a pet that isn’t spayed or neutered, it may be costing you more than just the price tag for pet insurance.
Neutering is an important procedure that should be done to prevent unwanted litters which can lead to overcrowded shelters and euthanasia for animals. Pet’s best insurance covers neutering procedures so you can make sure your furry friend is happy and healthy throughout their lifetime!
The foundation stone of this company was laid in 2009, and since then it has grown exceptionally well. The company caters to the insurance of pets’ injury and also incurs the claims for treatment of cancer to ACL surgeries. Going with the pace of technological advancement, Healthy Paws has launched an app for iPhone users for easy accessibility.
The company offers the following coverage:
- Illnesses & Accidents
- Emergency & Specialty Hospitals
- Alternative Care
- Cancer Coverage
- Hereditary & Congenital Conditions
- Chronic Conditions
The company was started in 2003 and caters the pet insurance for dogs and cats. The company offers the following coverage plan:
- Insurance for Dogs and Puppies
- Insurance for Cats and Kittens
Does the Pet Plan cover neutering?
Many people are unaware of the pet insurance company Petplan’s coverage for neutering. The good news is that Petplan does cover neutering!
The company was started in 2004, and since then it has worked arduously to become one of the most preferred choices for insurance of cats & dogs. The company offers packages that cover most of the common diseases which otherwise are missing in other companies’ insurance plans. Here is what Pet First covers:
- Dog Insurance: Which covers ear infections, allergies, diarrhea, bladder problems, arthritis, eye infections, & skin infections.
- Cat Insurance: This includes upset stomach, diarrhea, allergies, UTIs, diabetes, colitis, hyperthyroidism, & URIs.
The Company is one of the largest pet insurance providers in the US and is operational since 2006. The company offers insurance plans for both cats & dogs.
How to Find the Right Pet Insurance Company?
It sometimes becomes difficult to decipher the right company which can insure your pet completely. Although many companies are now emerging in the US, here we give you apet insurance comparisonchart of three popular names:
Key Features | ASPCA Pet Health Insurance Company | Embrace Pet Insurance Company | Healthy Paws Pet Insurance Company |
|---|---|---|---|
Annual Coverage | $2,500 to $7,000 | $5,000 to $15,000 | No annual coverage |
Reimbursem*nt Level | 70%, 80%, and 90% of the usual treatment cost | 65%, 80%, or 90% | 70%, 80%, and 90% |
Plan Coverage | Accidents and accidents only. It also includes chronic diseases, and hereditary diseases and also gives you insurance for alternative therapies | Accident-only plan and a comprehensive plan covering both accidents and illnesses. Also, covers breed-specific conditions | Accidents and accidents only. It also includes chronic diseases, and hereditary diseases and also gives you insurance for alternative therapies. Also, includes hip dysplasia if pets are registered before the age of 6 |
Rating by A.M. Best | A | A+ | A+ |
Age limits | 8 weeks for cats and dogs; the illness coverage for dogs is up to 12 years, and for cats, it is up to 14 years. | Age 14 and younger for cats and dogs. | From 8 weeks up to age 14 for cats and dogs. |
Dog Health Insurance Reviews
Healthy Paws
Everyone loved Bruno since the day this little four-legged being stepped into our house. The moment we had our little dog living with us, our friends asked us to get him insured with Healthy Paws. Well, we did some research, and after that, we concluded that Healthy Paws would be the right option.
Later, when we had to take Bruno for an emergency visit, we were amazed to see the long list of medical bills, but thanks to Healthy Paw’s lofty and customer-friendly policy, our application got processed, and we received our reimbursem*nt in less than a week. We highly recommend this company.
EmbracePet
Our little kitten Nika was very close to all of us, but we were unsure about the pet insurance as this was an alien concept for our family, after much research and findings we ended up buying an insurance policy from Embrace Pet. The company is highly customer–focused and is very quick in its response time. Moreover, they cover breed-specific diseases which has made us relaxed.
Does embrace pet insurance cover neutering?
Neutering a cat or dog before its first heat cycle can reduce aggression against humans by 90%. Embrace has three different plans to choose from, with varying levels of coverage ranging from $0 deductible to no limit on lifetime benefits.
Regardless of which plan you select, our veterinarians will provide guidance in choosing an affordable service option that best suits both the needs and financial condition of each client’s personal situation.
ASPCA Pet Health Insurance
We had heard a lot about this company, so we trusted the reviews and laid our bet on this company ASPCA completely abides by every word they mentioned before selling us the insurance policy. There was no delay in the insurance claim and the company also supported us.
Why Do You Trust Our Reviews?
Our Company is an unbiased platform created to provide you with the best information. We are here to give you an analysis of what is existing in the market. Our organization does not promote a single brand rather we are a customer-centric company and hence our reviews and data are authentic and highly credible. For more details, we take the opportunity to put some added information that you may find handy.
Frequently Asked Questions (FAQ) that may be in your mind
Can I get pet insurance before surgery?
If you have pet insurance, it might already cover your dog. You’ll need to check with the company that offers the plan if what’s covered in case of an emergency situation and set up a vet appointment so they can determine if surgery may be needed.
Does pet insurance cover prescriptions?
In case your pet gets is sick or accidentally hurt, you may need prescription medication to help in the alleviation of pain, reduce the inflammation, or try to remove an infection.
Medication may be needed to suppress chronic conditions, such as thyroid problems. There are some companies that offer prescription medication coverage only for covered conditions including vet bills.
Does pet insurance cover emergency visits?
Your vet will know how much the emergency visit will cost. Whether it’s covered by your pet’s plan. There are some plans that offer coverage for a certain number of hospitalizations. Others have a flat monthly fee with unlimited hospital stays per month (usually 31 days).
Talk to your veterinarian about what kind of insurance coverage you want before deciding on a plan because not all policies provide benefits in every area or at every location nationwide; consider where you live and travel when looking into different options.
Can I put my dog on my health insurance?
If you’re a pet owner, chances are that at some point in your life you’ve thought to yourself about the well-being of your furry friend. The short answer is no. But there are some other things that need to be considered before making any decisions about how to fund the care for your pet’s healthcare. needs.
Post Update: 27/12/22
