Dog health insurance plans provide peace of mind while alleviating financial strain during an unexpected veterinary bill. Treatments for serious conditions, like cancer, can cost hundreds or even thousands of dollars; an animal health plan covers these expenses so pet owners do not have to decide between providing lifesaving procedures or paying their monthly insurance premium.
Similar to human insurance policies, pet health care coverage usually involves making an upfront payment and then being reimbursed later for the remainder. Our top providers in our review offer customizable annual maximum, deductible and reimbursement-rate options so customers can find policies that best meet their budgets and coverage needs.
Pet insurance companies also provide add-on coverages that can help you budget for expected veterinary visits throughout the year, such as wellness or preventive care visits. These add-ons typically range in cost from $10-50 extra monthly and typically cover routine treatments like annual exams, vaccinations, blood work and spay/neuter procedures as well as behavioral therapy and alternative medicine treatments like acupuncture hydrotherapy and laser therapy treatments.
Hip dysplasia is a breed-specific genetic condition that can lead to joint damage and pain for your dog, with many providers covering its costs if diagnosed after your pet owner’s insurance policy takes effect. Your veterinarian will also identify other hereditary or congenital conditions which will be covered, but there may be an eligibility waiting period before coverage takes effect.
Before purchasing pet health insurance for your pup, it is essential to carefully evaluate its benefits and drawbacks. Most providers do not cover pre-existing conditions – ailments your pet had before you purchased a policy but were not listed in its medical records – nor require waiting periods before covering accidents and illnesses, which can become costly should your dog get sick before this deadline has expired.
There’s an age old saying, if something can make us stronger then we must keep moving in life and that applies here too. So I say bring on those long cold winter evenings. No matter your coverage needs or budget, our reviews of top providers offer policies with flexible deductible, annual limit and reimbursement rate options so that you can find one that best meets them. The best providers also provide comprehensive care plans that cover your pets, from routine and preventive services to budgeting for unexpected visits to a veterinarian. We discovered that many of these companies provide 24/7 customer service teams to address any issues you might encounter, which is especially valuable as many newer pet insurance providers experience high claim volumes and slow processing, leaving customers frustrated and unable to use their coverage effectively.