Insurance for Dogs: Flexible Coverage for Any Budget

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Insurance for Dogs

The reason you need insurance for dogs like yours is because 1 out of 3 dogs suffer from an accident or injury before they turn 3 years old and it isn’t until you’re faced with a $3,000 bill for your dog’s emergency room services after she swallows a bottle of your Ibuprofen that you wish you had signed her up for dog health insurance.

This news brief will help you make sense out of the confusing insurance jargon you may have already read.  After reading this article, you’ll be clear about what’s covered and not covered through insurance.  Most people may not know that dog health insurance provides you flexible payment options that will fit any budget to keep your dog healthy. 

Insurance for Dogs:  What’s Covered and Not Covered

What’s Covered:

  1. Illnesses, Injuries, Accidents – With dog health insurance, your dog will be covered for treatment of new accidents, illnesses and injuries after your enrollment.  You may have a 2 week waiting period for dog insurance companies to check out your Insurance for Dogsdog’s medical records and notes from your veterinarian that would show pre-existing conditions which could prevent approval of insurance coverage.
  2. Hereditary and Congenital Conditions – Some dog health insurance companies cover your dog for hereditary and congenital conditions like eye disorders or knee issues.  This means that your dog could qualify for insurance coverage even if you may have thought these conditions were considered pre-existing.
  3. Unlimited Lifetime Benefits   Look for insurance for dogs with no annual or per incident limits.  Shop around for a plan with no incident caps or maximum limits.
  4. Customized Reimbursement – You can create a flexible plan that fits your budget with deductibles and reimbursement levels you can change as needed.
  5. Veterinarians, Hospitals, Specialists – You can select a dog Insurance for Dogsinsurance company that allows you to use any licensed veterinarian including animal emergency hospitals and specialists.  Your dog’s coverage includes: diagnostic testing, x-rays, hospitalization and treatments, surgeries and prescriptions.
  6. Hip Dysplasia – You can get lifetime coverage for your dog’s hip dysplasia, however you need to enroll your dog before she turns 6 years old.  Maryland and New Hampshire are the only states in the U.S. that don’t have a 12 month waiting period before hip dysplasia coverage takes effect.  This means you need to sign up for insurance for dogs with hip dysplasia before your dog is 5 years old for this coverage which requires a complete physical hip exam.

What’s Not Covered:

  1. Pre-existing conditions – Your dog may have a pre-existing condition like allergies or diabetes that has been treated by your veterinarian before your dog’s health insurance coverage starts.  No dog insurance company covers pre-existing conditions.
  2. Veterinarian exams – Annual veterinarian visits are not covered because this is part of the responsibility of dog ownership.
  3. Spay/neuter procedures – These procedures are not covered by dog insurance companies because they don’t qualify as an illness, injury or accident.
  4. Preventative care Insurance for dogs does not cover vaccinations or a titer test, heart-worm medication, de-worming, grooming and nail trim.
  5. Dental care – Your dog’s dental cleanings and care are not covered.  The only exceptions are when your dog’s teeth are injured in an accident which requires extractions or reconstruction.
  6. Behavioral treatments – Training, medications for behavioral conditions and therapy for behavioral modification is not covered by dog health insurance.
  7. Parasite control – Prophylactic treatments for internal and external parasites are not covered by dog insurance companies.
  8. Housing, Exercise and Food  Dog health insurance does not cover the cost of your dog’s housing, exercise, toys, treats and food.

This news brief gives you all the information you need to know about what’s covered and not covered by insurance for dogs.  You can use these points to find flexible insurance coverage for your dog that fits any budget.

Share this article with your friends and family so they have a checklist to use when they look for health insurance coverage for their dog.  You can always depend on the best dog health strategies from Dog Health News.

Add your comments about your dog’s health insurance experience below so others can benefit from your story.

SPECIAL BONUS — If you would like breaking news on how to NOT overpay for your dog’s healthcare costs and reduce the number of times your dog gets sick, then claim your FREE ACCESS to the “How to Control Your Dog’s Healthcare Costs” video news . Go HERE to get it FREE.

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Comments

  1. Can anybody tell me any good insurance for the pet? I am seriously thinking of getting one but just can’t decide which one to go with. Thanks for the response in advance,.

    • Hi Chris, Thanks for your question on pet insurance. You can click on our ad for Healthy Paws. There are several options you can compare your quote with and then you can make your decision. Hope this helps you to get started.

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