Dog insurance works pretty much the same as human health insurance. It basically helps the pet owner to cover the veterinary care costs if the dog becomes ill or injured. There are also certain optional insurance plans that may cover wellness care, such as different testing, vaccinations, and spaying or neutering.
What Does Dog Insurance Cover?
Generally, pet insurance in the U.S. may cover:
- Unexpected injuries: physical injuries caused accidentally, like broken bones, wounds, etc.
- Unexpected illnesses: an appropriate dog insurance plan should include coverage for genetic, congenital, and chronic conditions including cancer.
- Wellness care: these plans are mostly optional and can include microchipping, annual vaccinations, non-routine dental procedures, and spaying or neutering.
When choosing a dog insurance plan, make sure the coverage also includes hospitalization, medication, and emergency boarding expenses in case you are not able to take care of your four-legged friend. There are certain aspects that are not covered by most insurance providers, though, primarily consisting of:
- Preexisting conditions: these are conditions that have shown symptoms before enrolling or before the waiting period has passed. It is recommended to choose a provider that does not consider cancer as being a preexisting condition.
- Behavioral issues.
- Food and diet products and related services.
Types of Dog Insurance
When it comes to picking dog insurance, it can be a little confusing figuring out one package from another. Generally speaking, however, insurance providers fit their options into one of the following types:
- Injury insurance: covering only unexpected injuries as a result of an accident.
- Injury and illness insurance: covers injuries as well as a wide range of non-preexisting illnesses.
- Wellness plans: these are optional plans that include coverage for routine and preventive care treatments.
- Time-limited: these policies are valid for a limited period of time.
- Maximum benefit policies: the limit here is on the amount that a plan pays for a certain condition.
- Lifetime insurance: by covering dogs for their entire lifetime, this recommended option protects your pet so long as the annual payment is made.
How Does Dog Insurance Work?
It all starts with researching and choosing the most appropriate provider and plan for you and your most faithful friend. Enrolling is a simple procedure since all that is needed is to fill in the enrollment page from the provider’s website.
Then, when time comes for the dog to see a vet, the pet parent is usually the one who initially pays for the veterinary treatment, plus the deductible. After this, a claim form is required, which is filled in and sent to the insurance firm. If the claim is approved, then the provider will send you its part of the reimbursement.
It’s worth noting that a handful of providers are willing and able to pay their share of the bill immediately. While this requires certain participating veterinaries and the right insurance provider, to option for the insurer to pay the vet directly can be a lifesaver for many.
Why Should I Get Dog Insurance?
Dog insurance works as a safety net in case your pet develops an unexpected injury or illness that is too expensive to treat. In order to avoid breaking the bank or worse, having to euthanize the pet because of the lack of finances, dog insurance can help with treating some extremely expensive conditions that your furry pal may develop.
Most of the monthly fees of dog insurance are quite reasonable and, if chosen wisely, such a policy can give you the peace of mind you need to relax and enjoy your life together with your pet knowing that if the worst thing happens, you are backed up by a plan that covers any unexpected situation.
More Dog Insurance FAQs
- Should I Get Dog Insurance?
- What Is Dog Insurance?
- What Is the Average Cost of Pet Insurance for a Dog?
- Which Dog Insurance Should I Choose?
Best Dog Insurance of 2020