dog insurance


Get yourself informed about dog insurance


is dog insurance worth it


Dog Insurance, Whether you are looking to keep your loved one healthy or would like to save money on future vet bills, it’s time to venture into the world of dog insurance.

Most people are surprised to find out how complicated and overwhelming the dog insurance industry is. Consumers need to know how to get the best deal and avoid costly mistakes.

On this site, you will get a simplified course in selecting the appropriate dog insurance company based on your specific needs. We will explain the different types of plans available to you, how they work, and which is best for you. You will find money-saving tips and suggestions to make sure your dog insurance experience goes smoothly.

What is Dog Insurance?

At the basic level, pet insurance is the same thing as health insurance for you and me. An unexpected medical problem could cost a large sum of money. We want to keep our furry friend to have a long healthy life, but we don’t want to break the bank in the process. In reality, dog insurance plans are more complex than that. There are many different types of pet insurance plans that are appropriate for a variety of different situations.

Different Types of Dog Insurance Plans

Most pet insurance plans run into one of three categories: Routine Care, Major Medical and Cancer. Many variations are depending on the insurance provider, but most fall into these three categories. Each type of insurance plan provides different benefits. As a dog owner, there are many options to consider and a little research can go along way. For example, your dog’s breed may be prone to have teeth issues. You want to make sure that your specific plan covers routine teeth cleaning. Whatever your dog’s unique needs are there is a dog insurance plan that was designed for you. Read on to discover how to get the right plan for a loved one and save some money in the process.


7 Steps to Finding the Best Dog Insurance:

Things to Consider

There are several things to consider when choosing a dog insurance plan. Consider the max coverage amounts per incident and the max per year. Each plan will have its maximums. You may want to pay a higher premium if you suspect that your dog will need an operation shortly.

Ask yourself these questions:

Do you want pet insurance primarily to guard against major problems and emergencies?

What do you currently spend on veterinary care?

Do you intend to spay or neuter your pet?

Do you want dental cleaning?

Is preventive care important to you?

Comparison-Shopping Made Easy

Here is my step-by-step procedure for comparison-shopping:

1. Evaluate the past year’s vet bills and receipts. The vet will have this information on file if you don’t have it handy.

2. Determine what was necessary and what was extra. Consider all the costs of prevention and routine care.

3. Decide if there is something you would have liked to purchase, but did not for financial reasons.

4. Now, you should have a fairly accurate idea of what you need and what you want.

5. Armed with this data will make comparison-shopping infinitely easier. Most of the insurance provider’s websites have a side-by-side comparison of their particular plans.

6. Choose three to five companies to investigate and start matching plans to your needs and wants.

7. Finally, price out the selections. Of course, you don’t necessarily want to choose the cheapest plan. I like to also consider customer service and claim processing speed.


What dog insurance may Cover?

So when we start searching for health insurance for our dog our first question is: What is exactly does it cover? This is a good question and the answer depends on the type of coverage plan you choose. I have already mentioned that the three major coverage types are: Routine Care, Major Medical and Cancer. Each insurance provider will have variations on the names of the plans, but they should all fit one of the three types. Now, let’s look at each one and see what they cover. Types of Plans

1. Routine Care – This plan could also be called a maintenance plan. It covers all basic health issues that every dog owner should be concerned with. This means vaccinations, heartworm testing, spay/neuter, flea medication, checkups and exams.

2. Major Medical – This plan provides coverage for the unexpected: This usually includes: accidents, surgery, serious illness, x-rays and hospitalization.

3. Cancer – Unfortunately K9 cancer is on the rise and can be very costly if your dog needs treatment. Chemotherapy and radiation treatments can run into the thousands. If this is a concern you will find companies that over coverage. In conclusion, coverage depends on the type of plan you choose.  depending on the money you are willing to spend.


Pet insurance may seem like an unnecessary expense to some dog owners, but reports show that Americans will spend $334 on vet bills this year. That’s more than $25 billion on animal health care and it’s not getting any cheaper. Some new procedures cost more than $5000. Having a solid dog insurance plan could save you thousands in the event of an emergency. It’s important to understand that having your dog insured won’t cover all vet expenses. Just like your health insurance you have deductibles and co-pays. There are also limits to how much the policy will pay out yearly. Dogs are more expensive to insure than cats or smaller pets because they are a bigger animal. Fortunately, bargain hunters have plenty of providers to choose from. You can expect to pay anywhere from $5 to $75 a month, but the average is $25 for $40 for a decent plan. This includes a deductible of around $50 and a copay of 10 to 20%. The costs begin to increase if you have a dog with a genetic or pre-existing health problem. Many companies will not even offer plans. One company that does offer insurance for hereditary conditions is Embrace Pet Insurance. Although these plans are expensive it is a better alternative than going into debt or putting your dog to sleep.

Cheap Dog Insurance

your insurance for dog

Is cheap dog or even pet insurance the way to go?

A lot of people are looking for the cheapest dog insurance on the market. In my opinion, that is not the way to go. I say this for three reasons:

First, your coverage is very limited. Second, cheap pet insurance usually means bad customer service. And third, claims will most likely be difficult to process in a timely matter if at all. Let’s cover the three reasons in detail.

Limited Coverage

Buying the cheapest pet insurance can be the wrong move if the coverage you are looking for is not sufficient.

For example, if your plan covers accidents only then you will be stuck with high bills when an illness occurs. The chances of your dog getting sick are significantly higher than getting hit by a car.

Questionable Customer Service

To me, customer service is one of the top considerations. If I call customer service to ask specific questions about plan details or what-if situations, I want quick and professional answers. If the answers are unclear or if there is a lot of putting me on hold that is a big red flag.

A good rule of thumb is cheap insurance means low-quality customer service. There are exceptions to the rule, but it is something to think about.

Claim Processing

If you read the Internet forums you will find countless horror stories about claims being rejected or delayed. Usually, this happens when people fail to read the policy’s fine print.

The cheap pet insurance plans usually contain numerous disclosures that buyers simply overlook. I can almost guarantee that the cheapest policies will have some pretty important information. In conclusion, the cheapest pet insurance plans usually are not the way to go. Just make sure you read the fine print, ask the customer service department plenty of questions, and heed the adage, “you get what you pay for”.


Remember we not endorse any insurance companies. We aim to educate the individual dog owner on the benefits of pet insurance and knowing what questions to ask before buying.





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