Insurance for Dogs: Flexible Coverage for Any Budget

 

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.

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Dog Health Insurance: 6 Key Frequently Asked Questions

Dog Health InsuranceDog health insurance became available in the US when Dr. Jack Stephens launched his business in 1982 and presented his first dog health policy to the famous television star, Lassie.  Dr. Stephens’ primary mission with VPI was to end euthanasia for dog owners who couldn’t afford veterinary medical treatments for their dog.  Dog Health News wanted to learn more about the benefits of health insurance for dogs so we could share information with you that will help you make the best choice for your dog.

This news brief gives you 6 key questions to ask when you look at dog health insurance for your dog so you get the best coverage.

Dog Health Insurance: 6 Coverage Questions

  1. What’s covered? – You want to know if your dog will be covered for hereditary or congenital conditions as well as a new illness, accident or injury your dog has after you enroll. Ask if the benefits are unlimited with no annual or incident limits so your dog will be covered for his lifetime.  You can also ask for custom plans that meet your budget.  Make sure to verify that you can use any licensed veterinarian for your dog.  This means that you want to have coverage from specialists and emergency animal hospitals.  Coverage includes: prescriptions, surgery, hospitalization and care as well as diagnostics like x-rays or blood tests.
  2. What’s not covered? – Dog health insurance companies do not cover pre-existing conditions.  This means that your dog will not be covered for any condition that showed up before your dog’s health insurance coverage started.  Examples could be if your dog had hot spots, ear infections or allergies.
  3. Dog Health InsuranceWhat about preventative care? – Coverage may vary for preventive care, however most pet insurance companies do not cover the following:  vaccinations, grooming, flea control, heart worm, spaying, neutering, dental cleanings and parasite control.  This means that you want to verify all the items that are considered preventive so you’re clear about your dog’s policy coverage.  Most pet insurance companies do not cover things like training, therapy, exercise and feeding. 
  4. Are office visits covered?  Dog health insurance does not cover office visits for your dog. This is considered your responsibility as a dog owner and allows the insurance companies to keep your payments affordable to cover all the other bills for accidents and illnesses.
  5. What’s the coverage for hip dysplasia?  Because there’s a 12 month waiting period for coverage in the US except for Maryland and New Hampshire if your dog is over the age of 6, it’s a good idea to look into dog insurance when you get your puppy.   This means you want to ask about coverage for hip dysplasia whenever you shop for insurance for your dog.
  6. What can I expect to pay for coverage? –  Most dog health insurance companies offer choices for deductibles, so you want to see what plan works with your budget.  On average, smaller Dog Health Insurancedogs are less expensive to cover than larger dogs.  A simple estimate is between $1- $3 per day to cover your dog with insurance.  It could be a trade-off for less treats and toys for peace of mind for you and your dog.

This news brief gives you questions to ask when you shop for dog insurance so you can get the best possible care for your dog.

Share this article with your friends and family so they are informed about the questions they should ask about dog health insurance.  You can always depend on the best dog health strategies from Dog Health News.

SPECIAL BONUS — If you would like more video news on how to Keep Your Dog Well and NOT overpay for it, then claim your FREE ACCESS to the “How to Cost Effectively Keep Your Dog Well” video news. Go HERE to get it FREE.

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