It’s crucial to find the right health insurance for you and your family members, and that includes your beloved pet.
When it comes to taking care of your dog, costs for veterinary care can add up in a hurry. That’s why finding a pet insurance company that has you and your dog’s best interests in mind is crucial to ensuring your “man’s best friend” lives a long, healthy, and happy life.
So what goes into the search for a quality pet health insurance policy? Here’s what you need to know about keeping your furry friend happy and healthy.
Types of Pet Health Insurance For Dogs
When it’s time to select a health insurance policy for your pup, you will choose between two types of pet insurance plans. Accidental-only dog insurance covers emergency care for injuries and other unpredictable situations such as accidental poisoning. Since these plans don’t include wellness care, they are the cheaper option with an annual deductible of less than $200 and a monthly premium of around $20.
The other typical pet insurance coverage is for both accidental and illnesses, including, but not limited to, cancer treatments and heartworm medications. This coverage option covers wellness care, vaccinations, chronic conditions, dental cleanings, routine care, and more. The monthly premiums for this type of insurance policy usually are affordable, with an annual deductible of around $585.
If you expect regular veterinary care for your dog, this plan is worth it for several reasons.
How Do I Know Which Pet Insurance Plan Is Best?
If your dog requires medical care due to pre-existing conditions, hereditary conditions, or congenital conditions such as hip dysplasia, you can expect routine care and regular veterinary care. In this case, an accidental/wellness plan would be best for you.
If your dog has no known pre-existing conditions and is a younger age, only an accidental dog health insurance plan may be necessary. However, it is worth noting that some insurance agencies have age limits for senior dogs. This is important to know as you don’t want to wait until it’s too late to find the right insurance plan for your furry friend.
For pet owners who spay/neuter their dogs, insurance costs typically are lower.
How Do I Choose The Best Pet Insurance Company?
Now that you know how to pick the right pet insurance policy for your pup, it’s time to choose the pet insurance company with a new pet parent and, of course, a dog’s best interest at heart.
Wagmo, Healthy Paws and Trupanion are popular pet insurance companies that cover many prescription medications but offer minimal coverage for vet visits and exam fees. Embrace Pet Insurance is an insurance agency with diagnostic testing and preventative care, but there are long waiting periods and limits on teeth cleanings.
No matter what pet insurance plan or pet insurance company you choose, the peace of mind that comes with knowing your dog is safe is worth every penny of the insurance costs.