Dog insurance is a great way to keep your dog happy and healthy. You can use it to cover unexpected vet costs like emergency surgery and visits, as well as routine care expenses such vaccinations and wellness examinations.
You can find many different pet insurance providers. Before purchasing a policy, it's best to research your options. You'll want to choose a plan that fits your budget, is easy to use, and offers good coverage.
Accident-only insurance is the least expensive and most useful option for dogs who have suffered injuries like broken bones 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.
Consider purchasing a coverage plan for your dogs that have chronic or serious conditions. As long as the policy is renewed each year, you will be reimbursed for any veterinary care you provide to your pet over its lifetime.
AKC Pet Insurance
American Kennel Club offers pet insurance for both purebred and mixed breed dogs and cats. Their policies cover accidents that occur unexpectedly, hereditary or congenital conditions, other illnesses and new injuries. All claims are processed promptly.
AKC's Pet Insurance is available as a 30-day Free Trial, so you can see the benefits of this insurance before you decide whether to buy it. You can add optional add-ons like exam fees and expenses for the final days of 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 reimburse you up to 80% of eligible medical costs after you meet your annual deductible, and they also offer additional levels of reimbursement for specific elective procedures.
BestBenefit
Before choosing a policy, you should know how the insurer handles pre-existing diseases. Some plans don't cover pre-existing condition, while others have waiting periods that apply to any chronic conditions you or the veterinarian notice before the policy coverage period begins.
There are also plans that require a year-long waiting period before they cover any pre-existing condition, even if it is completely cured. It can be difficult to find a policy that covers your dog throughout their life.
The premiums vary a lot, but are usually affordable enough to be worth it. These premiums will vary depending on the breed and age of your dog.
Average cost of pet insurance is $500 per annum. 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.