Insurance for dogs is an excellent way to help keep your pet happy and healthy. The insurance will cover any unexpected veterinary costs including emergency visits, surgery, and routine care such as vaccinations and wellness checks.
There are many pet insurance companies out there, and it's important to consider your options carefully before purchasing a policy for your dog. You'll want to choose a plan that fits your budget, is easy to use, and offers good coverage.
Accident-only plans are less expensive, but they may be best for dogs who suffer injuries such as fractures or bite wounds. They don't include illness coverage, so these plans are not an option for dogs who are older or have chronic conditions.
If your dog has chronic or severe ailments, you might want to look into a life-time coverage plan. If you renew your policy every year, this type of insurance will cover all veterinary expenses you incur for the life of your pet.
AKC Pet Insurance
The American Kennel Club (AKC) offers a pet insurance policy that is not only available for registered purebreds, but also for mixed-breed dogs and cats. The policies of the American Kennel Club (AKC) cover unexpected or new accidents, congenital and hereditary conditions, and other illnesses. Claims are processed quickly.
AKC offers a free 30-day trial of its pet insurance, allowing you to test the coverage before you buy it. Optional add-ons include exam fees and final costs for your pet.
Accident-and-illness policies are a more comprehensive type of coverage, and they can reimburse you for vet bills that aren't covered by an accident-only plan. These plans offer up to 80% reimbursement of eligible medical costs once you have met your annual deductible. Additional levels of reimbursement are also available for elective procedures.
BestBenefit
Understanding how the insurance company treats pre-existing health conditions is important when selecting a pet plan. Some policies do not cover preexisting conditions. Others have a waiting time for any chronic condition that you or your vet observes before the start of coverage.
Even if the pre-existing condition has been fully treated by the end of coverage, some plans still require an annual waiting period. It is difficult to find coverage for your dog that lasts the rest of its life.
The plans' premiums are variable, but usually they are affordable. These premiums are based on factors such as your dog's breed and age.
A pet insurance policy costs on average $500 per year. However, the premium can be reduced by choosing a lower deductible and coinsurance rate. This is helpful for pets with health issues or those who are prone to disease.