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.

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