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"Knowing how to shop for dog health insurance in the USA and understanding policies can save you money and provide the peace of mind that you will be able to afford medical care if your pet becomes ill or is hurt.
Your veterinarian is a highly skilled expert, however, visits to the Vet can be costly. Dog health insurance is a tool for budgeting for the unexpected through the monthly payments paid to the insurance company. Your goal as an owner is to protect yourself against the most expensive of those payments at the lowest cost possible.
Start by pricing coverage for those things that are out of your everyday care budget such as accidents and illnesses, and then add additional coverage until you get to a comfortable monthly price premium. You can also reduce the cost of insurance by accepting a higher deductible, which is the amount you pay out of pocket for every incident and by accepting a lower lifetime coverage maximum."
Overview: Purchasing Dog Health Insurance (USA)
In general, USA policies for dog health insurance cover one of more of the following categories. Each plan has options for only covering one area, such as accidents, while others will cover accident, illness and injuries, with an additional premium for preventative care. We suggest starting by reviewing the plans offered by Pets Best, since they were the first to offer this type of insurance and then compare online quotes provided to those of other plans (see below for suggestions).
- Accidental Injuries
- Preventive Care (tests for heartworm, vaccinations)
- Illness and Injuries
Plans also vary by the deductibles that you pay out of pocket before the insurance kicks in (typically you can choose $100, $200 and $250).
Considerations when Purchasing Puppy or Dog Health Insurance USA Policies
||What to Look For in Dog Health Insurance USA Plans
|Puppies or Young Dogs
|| If shopping for Dog health insurance for puppies consider a policy that pays for costs associated with younger dogs such as vaccinations, spaying, neutering and microchips.
| Older Dogs
||If shopping for older dogs consider features such as payment for dental cleanings, diagnostic exams such as blood tests and x-rays, EKGs.|
||Dog pet insurance US plans specifically state the policy toward different types of pre-existing conditions. Conditions can include hereditary diseases, congenital defects (inherited birth defects), conditions that exist prior to the policy start date (most plans require that your pet be symptom free for at least 6 months).
||Many breeds are known to have certain medical problems. Some plans may exclude your breed based on the medical history of the breed in general.|
||Save money by paying out of pocket for everyday Vet checkups and care, using insurance only for accident and chronic illness protection
Typical Dog Health Insurance Policy Choices
Since every company offering dog health insurance USA policies is different, the best approach is to request 2 or 3 quotes at the same premium level (eg; $15 - $20 a month), and then compare deductibles and benefits in the accident, illness, and preventative care categories. Also check to make sure that your dog health insurance USA plan will pay regardless of where you take your dog for care.
It only takes seconds to request a quote online and no sales person will call. Start with Pets Best as the baseline since they were the first US dog pet insurance company and then compare the others.
Sample Dog Health Insurance USA Illustrations
|| Basic Policy
||Mid Level Policy
|| Pets Basic: $16.61/month
||Pets First: $34.55/month
|| Pets Premier: $55.22/month
|24 Pet Watch
|| QuickCare: $10.95/month
||QuickCare Optimum: $36.96/month
||QuickCare Gold: $73.90/month
||Accident Only: $12.50/month
||Accident Plus Illness:
$42.79/month (depending on deductible, $250 level shown)
Includes the following:
|Accident, Illness Plus Preventative Care: $63.35/month
Includes the following:
Plus Preventive Care:
For more information on dog health insurance USA plans visit canine health insurance.
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